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Celina Insurance Group Homeowners Review (2023)

Celina Insurance Group is an insurance company offering homeowners policies in 3 states. They have received mostly positive reviews from its customers online and have solid financial scores from rating agencies.

Read Time: 9 mins

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Celina Insurance Group Homeowners Review
4.5
★ HOIC RATING
Premiums 5
Claims 5
Customer Satisfaction 4
Financial Standing 4
PROS
  • Amazing customer reviews.
  • Inexpensive yearly premiums are possible.
  • Positive financial ratings.
CONS
  • No online quote tool.
  • Only available in 3 states. 

Since its beginning in 1914, Celina Insurance Group has focused on rendering the best insurance possible for Ohio residents. They started their business as an automobile fire insurer and quickly spread to include more territory and insurance products. Despite remaining in Celina, OH, throughout its growth spanning over a century, the firm now spans these five states with a multitude of insurance offerings: Indiana, Kentucky, Ohio, Tennessee, and West Virginia.

According to their website, Celina’s home insurance is underwritten by The Celina Mutual Insurance Company and The National Mutual Insurance Company. This involvement makes homeowners insurance available only in Indiana, Tennessee, and Ohio.

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The Celina Insurance Group vows to be empowered by ‌change, to do what is right, and get the job done. As well thought out as their core values are, we’re here to get down to the truth. 

Keep reading to see our review of the Celina Insurance Group. We’ll see if their coverage will truly get the job done for you. Plus, we’ll look at their financial validity, and what customers have to say about their ethics and moral standards.

Celina Insurance Group homeowners insurance coverages 

‌Celina Insurance Group focuses on ‌the personal insurance experience. As such, they work with a network of experienced agents who help their customers receive the best policy possible. So, in order to get the perfect quote, you’ll need to get in touch with the Celina Insurance Group to find an agent in your area. 

Fortunately, we can get an understanding of their protections and options through their site. Here are the home insurance coverages offered by Celina Group:

  • Dwelling: The foremost coverage is Coverage A due to its significant importance. This coverage shields the home and other essential elements such as chimneys, adjoining patios, porches, garages, etc. Its cap is set according to the cost of replacing the home in case of any unfortunate incident.
  • Other structures: Similar to dwelling coverage, other structures’ coverage protects various unattached constructions like fencing, driveways, guesthouses, barns, gazebos, greenhouses, etc. However, it typically excludes coverage for peripheral buildings used for commercial, farming, or ranching activities. You may be likely to find coverage for these types of structures through Celina Group’s Farm insurance.
  • Personal property: The Personal Property Coverage safeguards all your movable possessions ranging from home appliances, electronic gadgets, and recreational items to furniture and clothing. The standard limit is 50% of your dwelling coverage, but you may be able to add a little lee-way to fully protect your things.
  • Loss of use: This coverage assists in case of a catastrophe that renders your home unlivable. During the repair or reconstruction process, this coverage can help with expenses such as temporary accommodation, food delivery, laundry, transportation, pet boarding, etc. Typically, this coverage comes with a time limit as well as a standard 20% of your dwelling coverage.
  • Personal liability: With this coverage, you are shielded from any legal or financial consequences of bodily harm or destruction of property due to a covered accident. Protection in this case offers coverage for unforeseeable mishaps and gradually occurring events, even if the incident happened outside your home. The standard limit is $100,000 per occurrence, but the Celina Group may be able to adjust this for you.
  • Medical payments: Medical Payments Coverage is coverage that shields individuals from minor medical expenses incurred by someone else injured on their property. This can be regardless of whether the individual is at fault or not. The coverage complements the injured person’s health insurance and accounts for minor medical expenses such as hospital bills, ambulance rides, physical therapy, or x-rays. Payouts with this protection usually range from $1,000 to $5,000 per accident.

There is also a collection of optional coverages offered by Celina Group. They include:

  • Additional insured: This is a unique coverage that will extend your personal liability coverage to include other dwelling members unrelated to you.
  • Assisted living: This is a unique coverage that will extend your personal property coverage to include items in a nursing facility.
  • Child care: In-home daycare owners – this is for you. This is a unique coverage that will protect you from lawsuits and damages associated with daycare centers from your home. It offers coverage for liability claims that deal with damage to property or bodily harm caused by others. Additionally, it may provide compensation for harm done to personal property under certain policies.
  • Business pursuits: This add-on includes business property and liability in your policy coverage, thus protecting your business pursuits from any harm.
  • Debris removal: Typically, homeowners’ insurance policies can only provide so much coverage for debris removal after a loss. This endorsement raises those limits to make sure you’re fully protected.
  • Computer: Similar to Scheduled Property coverage, this endorsement offers extra protection for households that have expensive computers. While a conventional policy offers some coverage, this extension broadens it.
  • Water backup: This coverage adds an extra peril to your policy, allowing coverage for water or sewage that backs up into your home.
  • Identity fraud: With this endorsement, you can be protected from paying the costs of recovering your identity after it was stolen. This coverage could include loan applications, legal fees, etc.
  • Refrigerated items: This is a small coverage (sometimes up to $500) that will help pay for the cost of food loss from a covered peril.
  • Service line coverage: This coverage will protect you from paying the costs associated with the pipes and cables under your home. 

Based on the state and insurer, not all homeowners may be entitled to some of these endorsements.

Celina homeowners insurance premiums and possible discounts

As we mentioned earlier, we’d be hard-pressed to get a price quote on a home in one of their insured states. So, to make Celina Group a little more transparent with their prices, we did a little digging.

According to online reviews, many customers revel in how they switched from big, reputable companies to Celina Group for a better price. According to their customers, Celina Group offers great rates, with new discounts and cheaper prices.

Speaking of discounts, here are some we could find from Celina Group:

  • Auto and home bundle: receive a discount for bundling Celina Group’s home and auto insurance. 
  • Claims free: get rewarded for going without filing a claim. 
  • Empty Nest: receive a discount if you are 40 or older without any other insureds in your home.
  • Renewal Rewards: when you renew with Celina.
  • Electronic Fund Transfer: receive a discount when you choose to enroll in the automatic bank withdrawal premium payment plan. This plan allows you to pay an additional amount each month to cover the bank fees associated with making withdrawals from your account.
  • Protective Devices: receive a discount for having protective devices in your home, like fire, smoke, or burglar alarms. 
  • Home Modernization: receive a discount for upgrading or renovating your home with more modern roofing, appliances, electric or plumbing systems, and more.

Celina home insurance claims process

To file a claim with Celina Insurance Group, you have a few options. In their online claims center, you can press a button to email their claims team. You can also call them at any time at 1-800-231-2318.

Negative reviews about Celina Group are hard to come by. As such, it seems their claims process is just what they say it is: responsive, helpful, and successful.

What customers think about Celina Insurance Group

For the first time‌ in our experience, we noticed there were 0% complaints on the NAIC National Complaint Index for 2022. This level is normally set at 1 by default. To have 0% complaints means that there were no complaints issues toward Celina Group at all in 2022. With only a 0.008924% stake in the share of US market premiums, even one complaint will be enough to tip the scales. 

Celina Group customers seem to corroborate the NAIC report. There’s another “first” in this review, and that’s the fact that this insurance company has 4.65 stars for BBB’s customer reviews. They’ve only had 2 complaints in the last 12 months, and each of them was closed. 

Everywhere else you look on the internet, their customer base is in agreeance. Celina Group insurance is notorious among its insured as being courteous, friendly, and highly recommended. Even on Google reviews, they have 4.2 stars from a collection of 255 reviews as of March 2023. Most of them are positive reviews thanking the company for years of quality service and easy claims. 

Celina Insurance Group’s financial strength

Celina Group is an accredited A+ business by the BBB. They were officially accredited in 2017.

AM Best rates Celina Group with an A for both financial strength and long-term issuer credit. They used to be rated with an A- until June of last year. The ratings reflect Celina’s strong balance sheet and good operating performance. They also have a neutral business profile and good enterprise risk management.

According to Weiss Ratings, Celina Group is awarded a solid C for insurance safety. This means that Weiss believes they offer fair financial security and are currently stable. During an economic downturn, they feel Celina Group may encounter difficulties maintaining financial stability.

Final thoughts

If you live in Ohio, Tennessee, or Indiana, Celina Group is a solid contender for home insurance. For a fair price, you can receive all-encompassing home insurance that you can adjust as needed. 

There are a few discounts available, some of which we’ve never seen before. Plus, if you need to file a claim, you’ll be met with a simple process and courteous treatment. Even financial insurance reviewers back Celina Group as a solid business. 

Suffice it to say, if you value quality service and a great deal, Celina Group might be the home insurer for you.

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ABOUT AUTHOR

Lauren Bell is a data analyst by day, content writer and editor by night. When she’s not making data discoveries, she’s writing about them! She also enjoys writing about lifestyle and finance; two of her favorite topics.

As an Arkansas native, Lauren loves the fresh air. When she’s not hard at work in front of a computer, you could catch her spending time on an outdoor adventure with her two kids.

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