InsuranceComplaintCheck

Grange Insurance — Insurance Complaint Report

Grange Insurance: Below Average Complaints, Recent Issues

Key Metrics

  • Total Complaints: 173
  • NAIC Complaint Ratio: 0.82
  • Market Share: 0.3%
  • AI Risk Score: 50/100
  • Most Recent Complaint: 2024-06-01

AI Insurer Analysis

Grange Insurance has accumulated 173 insurance complaints on record. Their NAIC complaint ratio of 0.82 is below average, meaning they receive fewer complaints than expected for an insurer of their market size. With approximately 0.3% market share, Grange Insurance is a smaller player in the insurance market. The most common complaint categories are: auto (11), homeowners (9). Grange Insurance has a below average complaint ratio but a high number of recent complaints. The majority of complaints are related to claim denials and delayed payments. Complaints are spread across multiple states, indicating a broader issue rather than a localized problem. The insurer has not faced any regulatory actions in recent years. Trend shows an increase in recent complaints, despite a generally low complaint rate. Areas of concern include: High number of recent complaints; Multiple types of complaints, including claim denials and delayed payments. On the positive side: Below average complaint ratio.

Risk Breakdown

  • regulatoryActions: none
  • complaintRatio: moderate
  • claimDenialRate: moderate
  • responseTime: poor

Red Flags

  • High number of recent complaints
  • Multiple types of complaints, including claim denials and delayed payments

Green Flags

  • Below average complaint ratio

Consumer Tips

When dealing with Grange Insurance, keep these practical tips in mind: 1. Check your policy details to understand coverage limits and exclusions. 2. Be proactive in reporting claims and follow up regularly. 3. Review premium increase notifications and understand the reasons for any hikes. 4. Ensure you have adequate coverage and review your policy annually. Before purchasing a policy, compare Grange Insurance's complaint ratio (0.82, below average) with competitors offering similar coverage. Always read the full policy document, paying attention to exclusions and limitations. Document all communications with the insurer in writing. If you experience a dispute, file a complaint with your state Department of Insurance — it is free and often results in faster resolution.

Trend Analysis

Trend shows an increase in recent complaints, despite a generally low complaint rate.

Frequently Asked Questions about Grange Insurance

Is Grange Insurance a good insurance company?

Grange Insurance has 173 complaints on record. Their NAIC complaint ratio is 0.82, which is below average. They hold approximately 0.3% market share. A complaint ratio below 1.00 indicates fewer complaints than expected for a company of this size; above 1.00 indicates more.

What are the most common complaints about Grange Insurance?

The most common complaint categories for Grange Insurance are: auto (11), homeowners (9). The leading specific issues are: Claim denial (6), Delayed payment (5), Premium increase (3).

How does Grange Insurance compare to competitors?

Grange Insurance's NAIC complaint ratio of 0.82 is below average. Companies with ratios below 1.00 receive fewer complaints relative to their size. When comparing insurers, also consider financial strength ratings, coverage options, and premium pricing alongside complaint data.

Should I file a DOI complaint against Grange Insurance?

If you have an unresolved dispute with Grange Insurance, filing a complaint with your state Department of Insurance (DOI) is a free and effective option. Steps: (1) Gather all documentation including your policy, correspondence, and claim records. (2) Contact your state DOI — most Grange Insurance complaints come from New Hampshire. (3) File online or by mail. (4) The DOI typically responds within 30-45 days.

Are Grange Insurance complaints getting better or worse?

Grange Insurance has 173 total complaints. In the most recent data, 20 complaints were recorded across 2 coverage categories. Check the NAIC Consumer Information Source for the most current complaint ratio trends.

What insurance companies have the lowest complaint ratios?

Insurance companies with the lowest complaint ratios typically include mutual insurers and member-owned companies. To find alternatives to Grange Insurance, compare NAIC complaint ratios for companies offering the same coverage types (auto, etc.). Your state DOI website provides complaint data specific to companies licensed in your state.

Has Grange Insurance been fined or sanctioned by insurance regulators?

Regulatory action information is available through your state Department of Insurance and the NAIC. Grange Insurance has 173 consumer complaints on record with a complaint ratio of 0.82. For specific regulatory actions, check the NAIC Regulatory Actions database and your state DOI enforcement records.

Which states have the most complaints against Grange Insurance?

The states with the most complaints against Grange Insurance are: New Hampshire (2), Vermont (2), Kentucky (2), Wyoming (1), District of Columbia (1). This distribution may reflect the company's market presence in those states rather than indicating worse service in specific locations.

What patterns emerge from Grange Insurance's complaint data?

Grange Insurance offers both auto and homeowners coverage, with complaints distributed across multiple states.

How does Grange Insurance handle claims compared to peers?

The majority of complaints are related to claim processing issues, indicating potential inefficiencies in the claims handling process.

What is the complaint trend for Grange Insurance?

Trend shows an increase in recent complaints, despite a generally low complaint rate.

What should prospective policyholders know about Grange Insurance?

The insurer has not faced any regulatory actions, suggesting a generally compliant business practice.

Are there systemic issues in Grange Insurance's complaint history?

Recent complaints suggest a need for improved customer service and claims handling.

Recent Complaints Against Grange Insurance

Grange Insurance Complaints by State

Grange Insurance Complaints by Coverage Type

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This analysis is based on NAIC complaint data and AI interpretation. Not legal, financial, or insurance advice.