Main Street America Insurance Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Main Street America Insurance Score
4.5 Stars
We award Main Street America (MSA) Insurance a final rating of 4.5 out of 5 stars. The carrier has been in the industry for more than a century and has high ratings through AM Best and the BBB.
MSA offers a large catalog of insurance products for individuals and businesses alike, though coverage is only available in select states. The insurance company offers 24/7 phone and online claims reporting and a highly user-friendly experience.
We also love that the carrier works exclusively with independent insurance agents, to further provide their customers with the best all-around experience possible. So, if you’re located in an area where coverage is available, we recommend looking into Main Street America with your independent insurance agent to be your next trusted carrier.
Main Street America Insurance was founded in 1923 and offers a large catalog of coverage options for individuals and businesses, including umbrella insurance, auto insurance, home insurance, renters insurance, landlord insurance, cyber breach insurance, commercial auto insurance, business owners insurance, and more. The company is headquartered in Jacksonville, FL.
Main Street America Insurance Pros and Cons:
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Main Street America Insurance Products by Type
Main Street America offers a variety of coverage solutions for individuals and businesses. Its products include:
Vehicle & Auto Insurance:
Business Insurance:
Home & Property Insurance:
Main Street America Insurance Auto Insurance
Main Street America offers all the standard auto insurance coverage you could need, including bodily injury and property damage liability, uninsured/underinsured motorist, medical payments, collision, and comprehensive. The carrier also offers many additional coverage options for its personal auto policies, including new vehicle replacement coverage, accident forgiveness, road trip interruption, other valuables coverage, and full safety glass coverage with no deductible. Some additional coverage options are outlined below.
Coverage types, features, and benefits:
Emergency roadside assistance
Main Street America offers optional coverage for potential incidents that might leave you broken down on the road. If you need professional help while stranded, such as a towing service, you can get the reimbursement you need from MSA's emergency roadside assistance coverage.
OEM parts replacement
Main Street America aims to assist customers who need vehicle repairs by offering additional coverage for original manufacturer parts. This coverage helps you get any damaged or broken parts of your car replaced by the same parts the vehicle was built with.
Diminishing deductible
Main Street America likes to reward customers who remain accident-free and ticket-free. For every year a customer goes without filing a car insurance claim, MSA decreases their policy's deductible by a set percentage.
Loan or lease assistance (GAP)
Main Street America offers optional gap insurance in case your vehicle is declared a total loss. After an accident or another incident that renders your vehicle a total loss, this coverage can help you pay off the difference in what you may still owe on your loan or lease after receiving compensation for the vehicle's current value.
Main Street America Insurance Auto Insurance Average Prices
Main Street America doesn't readily provide its auto insurance rates on the official website. Prospective customers can either contact the carrier directly or work with an independent insurance agent to get an exact quote.
Main Street America Insurance Homeowners Insurance
Main Street America offers the typical home insurance coverage you'd expect to find in a standard policy, including liability, dwelling, contents, loss of use, and additional structures coverage. But the carrier also offers additional options to help increase your home's protection, such as cyber and identity fraud coverage, valuables coverage, personal injury coverage, service line coverage, and equipment breakdown coverage. Some additional coverage options are outlined below.
Coverage types, features, and benefits:
Water backup and overflow
Main Street America offers homeowners a chance to protect their property, including the dwelling and contents, from damage and destruction caused by sewer or other water backup and overflow. In standard home insurance policies, coverage for these incidents is typically excluded. However, most insurance companies offer endorsements to cover these types of losses. MSA is no exception.
Home business property
Main Street America allows customers the option to add protection for business property stored at the home or home-based business property. In standard home insurance policies, coverage for business property is typically either excluded or capped at a small limit.
Flood
Main Street America's optional flood insurance coverage can help policyholders protect their property even further from water damage. This optional flood coverage can protect your home and belongings against damage and destruction stemming from natural water sources, such as tsunamis, heavy rainfall, and melting snow.
Main Street America Insurance Home Insurance Average Prices
Main Street America doesn't readily provide its home insurance rates on the official website. Prospective customers can either contact the carrier directly or work with an independent insurance agent to get an exact quote.
What Discounts Does Main Street America Offer?
Main Street America offers many competitive discounts on its coverages, especially for home and auto insurance. Some of the carrier's discounts are as follows:
- Pay-in-full discount: Offered to customers who pay their entire annual premium up front in one lump sum.
- Multi-policy discount: Offered to customers who purchase more than one type of coverage through Main Street America.
- Loyalty discount: Offered to customers who stay with Main Street America for a set number of years or more.
- Accident-free discount: Offered to MSA auto insurance customers who remain accident-free for at least a year.
- Violation-free discount: Offered to MSA auto insurance customers who remain ticket and violation-free for at least one year.
- Multi-vehicle discount: Offered to customers who insure more than one vehicle with MSA.
- Defensive driver course discount: Offered to MSA auto insurance customers who complete a state-approved defensive driver course.
- Good student discount: Offered to MSA auto insurance customers who have a student who maintains a certain GPA.
- Auto safety equipment discount: Offered to MSA auto insurance customers whose vehicles are equipped with various kinds of safety equipment.
- New home discount: Offered to MSA customers who insure a new home.
- Loss-free discount: Offered to MSA home insurance customers who remain claim-free for at least a year.
- Alarm and safety equipment discount: Offered to MSA home insurance customers whose homes are equipped with burglar alarms, security cameras, and/or other safety equipment.
- New roof discount: Offered to MSA home insurance customers who replace or update their home's roof.
An independent insurance agent can help you find more information about further discounts and additional ways to save with Main Street America, as well as provide you with quotes and help answer any other questions you may have.
Main Street America Customer Service
Main Street America allows its customers to file claims online or over the phone 24/7. The carrier provides the following customer service options:
- 24/7 phone claims reporting
- Online claims reporting
- Online bill pay
- Snail mail
The customer service phone department has the following hour restrictions:
| Days | Hours (ET) | ||
| Monday-Friday | 8 a.m.-4 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
The best way to handle your customer service needs is to work with an independent insurance agent. These agents help make customer service easier for you by handling claims and other concerns.
Connect with a Main Street America Agent Today.
Shopping for insurance? Main Street America has you covered.
Main Street America Insurance FAQs
Main Street America allows customers to file claims 24/7 through its website or over the phone. The carrier’s official website states that it will contact the customer within three business days of filing a claim.
Main Street America’s phone line for customer service issues is available at standard hours, Monday-Friday. The insurance company allows customers to file claims through multiple mediums at any time, including 24/7 over the phone. The carrier also has an extensive social media presence on Facebook, X, Instagram, YouTube, and LinkedIn, which makes it highly accessible to customers.
Main Street America allows customers to file claims through a few different mediums. The official website, however, does not break down a specific claims process beyond informing customers of how to file. If customers have questions about claims, they can reach out to their independent insurance agent, or contact the carrier directly.
Main Street America’s website is highly intuitive and easy to navigate. Users can easily find pertinent information. The insurance company offers several modern customer service options such as 24/7 phone claims reporting, online claims reporting, online match-an-agent services, and more. Main Street America also has a strong presence on social media, making for a very user-friendly experience overall.
Main Street America has been in the insurance industry for more than a century. The insurance company is highly rated by AM Best and the BBB. The carrier also provides a large selection of coverage options for individuals and businesses.
Main Street America offers a very user-friendly experience for its customers and has plenty of glowing reviews. Overall, Main Street America can indeed be considered a good insurance company.
Main Street America provides a good selection of coverages for individuals and businesses, including business owners insurance. The carrier’s business owners insurance policies are highly customizable, with the following coverage options:
- Liability coverage
- Buildings and business personal property coverage
- Loss of income and extra expense coverage
- Employment practices liability coverage
- Equipment breakdown coverage
- Cyber breach insurance
Main Street America offers business owners insurance for businesses of many different kinds. Your independent insurance agent can help you find even more information about Main Street America’s business owners insurance, as well as its many other coverages.
MSA doesn't provide its average auto insurance premium rates on the official website. If you're interested in the carrier's auto insurance, you can work together with an independent insurance agent, who can get you an exact quote for coverage, or contact Main Street America directly.
Main Street America's insurance products are right for many different customers, including those seeking coverage for their home, business, or vehicle. Landlords, renters, and business owners can all find a policy from MSA.
https://msainsurance.com/
https://news.ambest.com/newscontent.aspx?altsrc=23&refnum=156416
https://www.bbb.org/us/fl/jacksonville/profile/auto-insurance/main-street-america-insurance-0403-182943846