Donegal Insurance Group provides personal and commercial insurance in 20 states. Donegal Group Inc. offers home, auto, and farm insurance, as well as personal umbrella policies.
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Donegal Insurance Group is a trusted alternative to large-name insurance companies. They have a rich history and offer a wide range of products. They offer commercial and personal insurance in a growing number of locations.
What is Donegal Group Inc?
Donegal Group Inc. was founded by farmers from Marietta, Pennsylvania as a mutual company that protected farms and homes. The original name of the company was Donegal and Conoy Mutual Fire Insurance Company. It began operations in 1889.
The company was renamed Donegal Mutual Insurance Company in 1949. It began adding auto insurance to its portfolio, as well as fire insurance. In the 1970s, the company acquired other companies and expanded into new states. Donegal operated in Maryland, Delaware, and Virginia, in addition to their home states. In 1986 Donegal founded Donegal Group Inc. and made it public.
Donegal Group Inc. serves twenty states today through a network of companies and independent agents. They have seven branch offices across the country, in addition to their Marietta headquarters. These are the companies that make up the group:
- Donegal Mutual Insurance Company
- Atlantic States Insurance Company
- Southern Insurance Company of Virginia
- Le Mars Insurance Company
- Peninsula Insurance Company
- Peninsula Indemnity Company
- Sheboygan Falls Insurance Company
- Southern Mutual Insurance Company
- Michigan Insurance Company
- Mountain States Commercial Insurance Company
- Mountain States Indemnity Company
Donegal Group Inc. offers both personal and business insurance policies. Options vary by state. Conestoga Insurance is one of Donegal’s subsidiary companies. It writes title insurance.
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What products does Donegal Insurance Group offer you?
What Products Does Donegal Insurance Group Offer You?
Donegal Group Inc. products vary by state and may be underwritten by any of the other companies within the group. They offer a basic line of personal insurance products and farm and business insurance packages. The company website provides only a limited amount of information about the products.
Home Insurance
Donegal’s standard home insurance policy covers your dwelling, personal property, liability, and loss of use. Customers can use many options to add coverage options to personalize the policy. These options include home replacement cost coverage, personal property replacement cost coverage, identity theft coverage, and riders to protect high-value items.
Donegal also offers a Dwelling Fire product. This policy can be used for both rental and owner-occupied homes.
Auto Insurance
Donegal’s auto policy seems as simple as its home program. The coverage includes the basic requirements of standard options and state minimums, including comprehensive coverage, collision coverage, and roadside assistance.
First accident forgiveness is an option Donegal offers. This is a common additional offered by many large auto insurers. A high threshold is set up for chargeable accidents. This means that only those accidents which exceed this threshold cost will be subject to a rate increase.
There are many discounts available on premium rates, including discounts for good students and good drivers, discounts for insuring more cars, or bundling auto and home insurance.
Like home insurance, coverage can vary from one state to the next.
Insurance for Boat Owners
Donegal offers coverage for many boat types. This includes protection for the boat and contents as well as the trailer. You can also get liability insurance, as well as options such as boat towing and replacement cost coverage.
Donegal offers credit on boat policies when Donegal also covers the home.
Personal Umbrella Insurance
Although the site doesn’t list the coverage limits, Donegal offers an umbrella policy that provides additional liability coverage beyond those of the underlying policies. You can get additional coverage for your boat, home, and auto policies.
Commercial Insurance
Donegal’s insurance products for commercial purposes are comprehensive. They offer both packages as well as a la carte options so that any business can have a policy that suits its needs.
The Business Owner’s Package (BOP), which can be purchased as a standard or select package, is for businesses that require more specific coverage. This policy provides all the essential coverage a business requires, along with customizable options.
Donegal has a policy for commercial packages, which is flexible and can be customized to suit the needs of businesses not falling within the BOP.
There are many coverage options available:
- Contractor’s Insurance
- A Commercial Auto Insurance Policy
- Commercial Umbrella
- Garage Insurance
- Workers Compensation Insurance
- Liability for Employment Practices
- Liquor Liability
- Contractor’s Omissions and Errors
- Loss Control Services
- Group Programs
Farm Insurance
Donegal started farming insurance as a product and continues to offer package policies for different farms.
The policy covers the farm, home, and farm structures, equipment, crops, liability, as well as livestock and crops. Dairy farmers can also get a specialty policy. Donegal has a policy that is specifically tailored for farms.
Are Donegal Insurance Group Rates Reasonable?
Donegal does offer no online quoting to purchase a policy premium. This is expected considering that many companies are offering different rates and coverage options. Policies are also sold through independent agents.
This website provides a locator for agents that uses a ZIP Code search to direct visitors to local agents who can provide quotes.
How are Donegal Insurance Group Claims Dealt With?
Donegal Group Inc companies appear to have centralized claim reporting. Two main ways to report a claim are available: A 24-hour toll-free claim line and an online form that you can use to submit a claim online.
A separate number is available for auto glass claims. It uses the company’s EZ Glass claims system. You can also report glass claims online using a separate online portal.
The website has an inquiry form that allows users to ask questions about existing claims. Users don’t need to log in to the system to use the form. You can also call a variety of local numbers to ask questions about a claim.
The website of Donegal does not offer much more than contact information to file a claim online. The website does not provide any information about the claim process, how long it takes, or what to expect during that process. Although it is easy to find claims contact information, existing customers can access more information about claims than what is available to the public once they log in.
What is the Donegal Insurance Group’s Bottom Line?
Donegal has a solid reputation and offers a basic but solid range of products. If you are looking for an alternative to large insurance companies, Donegal and its group of companies might be worth a closer inspection. We are unable to provide any rates so we cannot speak about the Donegal’s value.
However, as with all insurance companies, each customer should consider the whole package when purchasing insurance.
FAQs: Donegal Insurance Group Review & Complaints
What is Donegal Insurance Group?
Donegal Insurance Group is a property and casualty insurance company providing a range of insurance products, including auto, home, and business insurance.
How long has Donegal Insurance Group been in business?
Donegal Insurance Group has been in operation since 1889, with a long history of providing insurance services.
What types of insurance does Donegal offer?
Donegal Insurance Group offers a variety of insurance products, such as auto insurance, homeowners insurance, business insurance, and more.
Is Donegal Insurance Group available nationwide?
Donegal Insurance Group primarily operates in the Mid-Atlantic, Southeast, and Midwest regions of the United States.
How is the customer service at Donegal Insurance Group?
Customer service experiences can vary. Some customers praise Donegal for responsive and helpful service, while others may have different opinions.
What are common positive aspects of Donegal Insurance Group?
Customers often appreciate Donegal’s competitive rates, comprehensive coverage options, and long-standing reputation in the insurance industry.
Are there any common complaints about Donegal Insurance Group?
Some customers have raised concerns about claims processing times, communication issues, and occasional disputes over coverage.
How does Donegal handle claims?
Donegal Insurance Group provides a claims process that involves contacting their claims department, filing necessary documentation, and working with an adjuster to assess and settle the claim.
Can customers manage their policies online with Donegal?
Yes, Donegal Insurance Group offers online policy management, allowing customers to access and manage their policies through a secure online portal.
Is Donegal Insurance Group financially stable?
Donegal has a strong financial rating, indicating stability and the ability to meet its financial obligations.
Review:
- Pros:
- Competitive rates.
- Comprehensive coverage options.
- Long-standing reputation.
- Cons:
- Some complaints about claims processing times and communication.
Conclusion:
Donegal Insurance Group is a well-established insurance provider with a mix of positive reviews and occasional complaints. As with any insurance company, it’s advisable for potential customers to carefully review the terms, conditions, and customer feedback before making a decision.
Note: This information is based on the knowledge available as of January 2022, and there may have been changes or updates since then. Always check the latest information before making decisions.
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