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Celina Insurance Group Homeowners Review

Celina Insurance Group Homeowners Review

Celina Insurance Group Homeowners Review

Celina Insurance Group is a group of four mutual insurance companies that write a variety of basic commercial and personal insurance policies. They are already more than 100 years in the insurance industry. 

The National Automobile Association founded Celina Mutual Casual Company in 1919, handling the liability side of their business. They moved to a bigger headquarters in 1925 and built an entirely new headquarters one year later in Celina, Ohio. 

Over the years, the company grew, adding two additional member companies and today, the group consists of Celina Mutual Casualty, West Virginia Farmers Mutual, National Mutual Automobile Association, and Miami Mutual. Through these group members, Celina grew more and started providing services outside Ohio. However, these companies operate separately, even though they’re just in one group. 

Celina offers home insurance, business, farm, and auto insurance. They are operating in 6 Midwestern states as of today, including Iowa, Indiana, Tennessee, West Virginia, Kentucky, and of course, Ohio

The Claim

They claim that they’re providing high-quality insurance coverage at an affordable price. They also claim that they are working hard to offer excellent claims service to their policyholders. 

The Truth

Their claim about high-quality insurance coverage might be true as they have a comprehensive list of home insurance coverage for homeowners. However, the company doesn’t have an online quoting feature available on their website, so we’re unable to determine their rates, meaning we can’t compare their rates to other companies. Quotes are handled by their agents by using the agent locator on their website or you can fill up a contact form for quotes. 

Car glass-only claims are the only claims that you can file on their website, other than that, you have to talk to their agents in order to process your claim or email them at claims@celinainsurance.com

In their website, there’s a lot of positive reviews about their customer service. However, if you try to look for customer reviews on other websites, Celina policyholders are quite disappointed with how the company handled their filed claims. 

Celina Home Insurance Products

Celina writes home insurance for vacant, rental, and owner-occupied homes. 

The home program has a base policy coverage of personal liability, structure, and personal property in one. Also included in the base policy is the LifeStages identity theft package.

In addition to the basics, you can also add the following endorsements to your standard home insurance policy:

  • Equipment Breakdown
  • Replacement Cost on Contents
  • Water Backup of Sewers or Drains Coverage
  • Personal Injury
  • Enhanced Dwelling Limits
  • Refrigerated Property Coverage
  • Scheduled personal property
  • Recreational Vehicles and Watercraft

Available Home Discounts

  • Auto and home bundle
  • Rewards you for loss-free coverage.
  • Electronic Fund Transfer – A discount is provided when you choose to enroll in automatic bank withdrawal premium payment plan
  • Empty Nest -Discount is available for named insureds age 40 and over if there are no other members in your household
  • Renewal Rewards – When you renew with Celina
  • Home Modernization – The older wiring, heating system, and roof on your home, the greater the chance of loss. The Home Modernization credit provides a discount when these systems are recently updated
  • Protective Devices – Receive discounts for devices that protect your home from loss or minimize loss, such as burglar and fire alarms, smoke detectors, and sprinkler systems

Financial Strength And Consumer Ratings

Celina earned 3.86 out of 5 stars in Clearsurance. 94% of the customer reviews have 4- and 5-star ratings, which means policyholders liked the company’s service. Some of them say that Celina really values their clients and that their customer service is excellent. We didn’t see any negative feedback about the company. However, even though the positive ratings are high, it doesn’t totally mean that all customers are satisfied. Only 19 Celina policyholders gave a review, which is really few. 

However, on the Google reviews we’ve gathered, a lot of Celina policyholders gave negative feedback about the company. Some of them say that the company will find any reason to not reimburse their claims and that Celina is sending a letter telling that they will not renew the homeowners policy when filing a claim. This sounds a little alarming. Make sure to research more and look for other reviews online before applying for Celina. 

When it comes to their financial strength, A.M. Best gave the company an A- or Excellent rating, which means they have the financial backing to pay out claims of their homeowners and other policyholders.

The Pros and Cons

Here are the advantages and disadvantages of Celina:

PROS

  • Comprehensive home insurance coverage
  • A lot of discounts

CONS

  • Only available in 6 states
  • No online quoting

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