Central Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Trusted Choice's Central Insurance Company Score
4.5 Stars
We award Central Insurance a final rating of 4.5 out of 5 stars. For starters, the carrier is extremely well established, with well over a century's worth of history in the insurance industry. Central has excellent ratings through both AM Best and the Better Business Bureau (BBB) and continues to demonstrate impressive financial strength.
While coverage is only available in 21 states presently, Central offers a multitude of policy options for insurance customers of all kinds. The carrier's official website is thorough and offers many customer service options, including 24/7 claims reporting, getting matched with an independent insurance agent service, and more.
Central Insurance was founded in 1867 under the name Central Mutual Insurance Company. Over the years, Central has become well-known as a reputable property and casualty group.
Several discounts are available to help keep premium rates low. If you’re located in an area where coverage is offered and in need of one of the many products listed in the carrier's catalog, we say don’t hesitate to ask your independent insurance agent about choosing Central Insurance as your trusted insurer.
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Central Insurance Products by Type
Central Insurance Companies offer a wide selection of coverages to both individuals and businesses. Its products include:
Home & Property Insurance:
- Homeowners insurance
- Boat docks insurance
- Condo owners insurance
- Equipment breakdown insurance
- Home business plus insurance
- Personal cyber insurance
- Identity fraud protection insurance
- Personal flood insurance
- Personal umbrella insurance
- Renters insurance
- Renters dwelling insurance
- Scheduled personal property insurance
- Utility line insurance
Vehicle & Auto Insurance:
- Personal auto insurance
- Commercial auto insurance
- Boat owners insurance
- Roadside assistance insurance
- Motorhome insurance
- Snowmobile insurance
- Recreational trailer insurance
- Utility trailer insurance
- Golf cart insurance
- Classic and antique auto insurance
Business Insurance:
- Business insurance
- Business owners policy insurance
- Commercial property insurance
- Crime insurance
- Cyber suite insurance
- Employment practices liability insurance
- General liability insurance
- Inland marine insurance
- Loss control insurance
- Pollution liability insurance
- Professional liability insurance
Central Insurance Homeowners Insurance
Central Insurance offers all the standard homeowners insurance protections you could need, including liability, dwelling, contents, and loss of use coverage. The carrier also upgraded home insurance policies that come with various coverage endorsements and enhancements, including full replacement cost coverage for the home's structure and your personal belongings. A few of Central's additional endorsement options are detailed below.
Coverage types, features, and benefits:
Tree removal and replacement
Included in the Central Signature Homeowners Policy is tree removal and replacement coverage, which can reimburse the policyholder for the cost of removing fallen trees and debris after a covered loss.
Identity fraud protection
Also included in the Central Signature Homeowners Policy is coverage for identity management services, identity theft expense reimbursement, and identity theft resolution services in the event of identity fraud.
Utility line protection
Central's Signature Homeowners Policy also includes coverage that can pay for repairs or replacements of certain underground utility lines including sewer, electrical power, water, and natural gas.
Loss prevention device
The Central Signature Homeowners Policy includes coverage for protective devices within the home, including the purchase price and installation expenses.
Central Insurance Homeowners Insurance Average Prices
Central Insurance does not make the specific cost of its homeowners insurance policies readily available without connecting with an agent. Interested customers can contact the carrier directly or work together with an independent insurance agent who can obtain a quote for them. To get a better idea of how much a homeowners insurance policy might cost in your area, check out our home insurance calculator.
Central Insurance Auto Insurance
Central Insurance also sells all the standard auto insurance options you'd expect to find in a car insurance policy, including liability, medical payments, collision, comprehensive, and uninsured/underinsured motorists coverage. The carrier also has an enhanced policy option called the Central Signature Auto Policy, which includes various coverage enhancements such as short-term replacement cost loss settlement, transportation expenses, and worldwide rental car coverage. Additional coverage enhancements are detailed below.
Coverage types, features, and benefits:
Towing
The Central Signature Auto Policy comes with towing coverage, which can pay for professional towing services if you break down on the side of the road.
Loan and lease gap
The Central Signature Auto Policy also includes loan and lease gap coverage, which can pay the difference between the current value of your vehicle and what you still owe on a loan or lease if your car is declared a total loss.
Original equipment parts
Also included in the Central Signature Auto Policy is original equipment parts coverage, which can pay to repair or replace your vehicle's original equipment parts after a covered loss.
Central Insurance Auto Insurance Average Prices
Central Insurance does not make the specific cost of its auto insurance policies readily available without connecting with an agent. Interested customers can contact the carrier directly or work together with an independent insurance agent who can obtain a quote for them. To get a better idea of how much a car insurance policy might cost in your area, check out our car insurance calculator.
What Discounts Does Central Insurance Offer?
Central offers a handful of competitive discounts on its products, especially for auto insurance. These discounts include:
- Elite new policy discount: This is offered to auto insurance customers who carry higher liability limits, have accident-free records, high insurance scores, and few traffic violations.
- teenSMART discount: This is offered to auto insurance customers who have teenage drivers who complete the teenSMART Driver Safety Program.
- Accident prevention discount: This is offered to auto insurance customers who have completed an approved accident prevention course within the past three years.
- Insurance score discount: This is offered to auto insurance customers who have excellent insurance scores, which are based on consumer credit information.
- Package credit discount: This bundling discount is offered to customers who buy both auto and home insurance from Central.
- E-credit discount: This discount is offered to customers who choose e-billing and e-policy documents. Customers can receive a $5 credit per policy annually.
- Customer loyalty credit discount: This is offered to customers who remain with Central for at least two years. (up to 10%)
- Paid-in-full discount: This is offered to customers who pay their entire policy's annual premium in full upfront. (5%)
- New teen driver family loyalty discount: This is offered to customers who add a teen driver to their auto policy. (% varies based on length of loyalty)
- Vehicle safety features discount: This is offered to customers who have passive restraint and anti-theft devices that are aftermarket or original equipment manufacturer (OEM)-installed.
An independent insurance agent can provide better discount information and premium quotes for coverage through Central Insurance. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
Central Insurance Customer Service
Central Insurance Companies allows customers to file claims by mobile app, over the phone, or online, any time of the week. The carrier also provides the following customer service options:
- 24/7 claims reporting via phone, mobile app, or online
- Mobile app
- Customer service phone department has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 8 a.m. - 8 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you so you can relax and enjoy your coverage.
Connect with a Central Insurance Agent Today.
Shopping for a insurance? Central Insurance has you covered.
Central Insurance FAQs
Central Insurance Companies offers 24/7 claims reporting for customers, via mobile app, phone, or through the official website. However, the carrier does not have an official claims response time frame promise. Customers have reported consistently prompt assistance.
Central Insurance Companies offers separate phone lines for general customer inquiries and claims filing. Its claims reporting hotline is available for customers 24/7, and the customer service hotline is available at generous hours, Monday-Friday. The carrier also has an extensive social media presence on Facebook, X, YouTube, Instagram, and LinkedIn, making it even more accessible to customers.
Central Insurance Companies provides several options for customers to file their claims. Customers can get in touch with their independent insurance agent, call the 24/7 hotline, file online or by mobile app, or email their claims. The carrier provides all necessary forms for customers to complete claims reports, which are separated by claim type. After filing, customers can call the carrier’s claims hotline, log onto the website, or contact their agent to check on the claim’s status.
Central’s official website offers pretty much everything a prospective or current customer could need. Information is detailed and easy to find. Customer service options such as getting matched with an agent, online claims filing, and online bill pay are available. The carrier also has an active social media presence and a mobile app for smartphone users. Overall, Central Insurance provides quite a user-friendly experience for customers of all kinds.
Many prospective insurance customers are in the market for homeowners coverage. Central offers homeowners coverage that protects customers in a comprehensive way. Central's Signature Homeowners Policy includes the following coverages and special enhancements:
- Full replacement cost coverage
- Replacement cost coverage
- Replacement cost loss settlement
- Cash-out settlement option
- Waiver of deductible
- First claim forgiveness
- Additional living expense coverage
- Equipment breakdown coverage
- Tree removal and replacement coverage
- Utility line protection coverage
- Water and sewer backup coverage
- Identity fraud protection coverage
- Loss prevention device coverage
Your independent insurance agent can help you find out more about Central’s Signature Homeowners Policy, as well as its other homeowners coverage offerings and additional insurance products.
With an impressive amount of history within the insurance industry, high ratings through multiple organizations, solid financial strength, and comprehensive coverage options, Central can certainly be thought of as a good insurance company. Central considers the needs of its customers by providing 24/7 claims reporting, as well as numerous competitive discounts on premium rates.
Central's insurance products may be right for customers located within any of the 21 states in which coverage is offered. Customers can find home, business, auto, and more types of insurance from this top-rated carrier.
https://www.central-insurance.com/
https://www.bbb.org/us/oh/van-wert/profile/insurance-companies/central-insurance-companies-0422-8000233
https://ratings.ambest.com/CompanyProfile.aspx?ambnum=2081&AltNum=162081