Donegal Insurance Group Review & Complaints: Home, Auto, Boat, Umbrella & Business Insurance (2024)

Premiums
Claims
Feedback
Financial Strength

With a long history and a solid product lineup, Donegal Insurance Group offers an alternative to big-name insurance companies. They offer personal and commercial insurance in an ever-expanding list of locations.

What is Donegal Group Inc?

Donegal Group Inc began in Marietta, Pennsylvania, founded by farmers aiming to protect homes and farms. Originally named Donegal and Conoy Mutual Fire Insurance Company, it started in 1889. This historical background highlights Donegal’s agricultural origins and its journey to becoming a full-service insurance provider. For easy access to Donegal services, options like donegal insurance login and finding donegal insurance near me are available.

In 1949 the company shortened its name to Donegal Mutual Insurance Company and began expanding its lineup beyond fire insurance with the addition of auto insurance. The 1970s and the following decades saw the company acquiring other companies and expanding into other states. Operating in Maryland, Delaware, and Virginia in addition to their home state, Donegal formed a holding company in 1986, Donegal Group Inc., and went public.

Donegal Group Inc today serves 20 states through a group of companies and independent agents operating in those states. In addition to their Marietta headquarters, they have branch offices in seven other states. The group’s companies include:

• 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 writes both personal lines and business insurance policies, with options varying by state. One of Donegal’s subsidiaries, Conestoga Insurance, writes title insurance.

What products does Donegal Insurance Group offer?

Donegal Insurance offers a range of products that can vary by state, with different underwriters within the group handling policies. Their offerings encompass a basic selection of personal insurance, as well as business and farm insurance packages. However, detailed information about these products on the company’s website is typically limited to general summaries. Additionally, for those seeking specific agents, Donegal provides a Farmers Insurance Agent Locator service to help find local representatives.

Home Insurance

Donegal’s home insurance policy is a standard package, covering the dwelling, your personal property, liability, and loss of use. Customers have opportunities for coverage options to be added to customize the policy. These include extended replacement cost coverage for the home, replacement cost coverage on your personal property, identity theft coverage, and riders for high-value items.

Donegal Insurance Group provides a Dwelling Fire product suitable for rental homes or owner-occupied residences that do not meet the criteria for a homeowner’s policy. Factors such as age, condition, or seasonal occupancy can lead to such ineligibility. This offering caters to these specific circumstances, making Donegal a good insurance company choice for those seeking coverage through insurance brokers in Donegal or other insurance companies in Donegal.

Auto Insurance

Donegal’s auto program seems to mirror the straightforward nature of its home program. It provides coverage for the necessary state minimums and common options, including comprehensive coverage, collision coverage, roadside assistance, and rental car coverage. This offering aligns with the expectations outlined in financial services Donegal reviews, while also meeting the standards expected by customers, such as those considering Georgia Farm Bureau roadside assistance.

Donegal does offer first accident forgiveness, a fairly common extra found at many large auto insurance companies. They also promise a high threshold for chargeable accidents – which means only accidents with a cost over that threshold will result in a rate increase.

Several typical discounts on premium rates are available, including discounts for good students, safe drivers, and discounts for insuring more than one car or bundling your auto and home insurance with Loudoun Insurance Group.

As with home insurance, coverage varies by state.

Boat Owners Insurance

Donegal Insurance Group offers coverage for a range of boat types, ensuring protection for both the boat itself and its contents, including the trailer. They also provide liability insurance and additional services such as emergency towing and replacement cost coverage for the boat. These services are part of the sellers insurance and services offered by Donegal Insurance Group.

A credit is offered on boat policies when Donegal also insures the home.

Personal Umbrella Insurance

The site does not list what the coverage limits are, but Donegal offers a personal umbrella policy that provides additional liability coverage above and beyond the limits of the underlying policies. It can cover you for additional liability on your home, auto, and boat policies.

Commercial Insurance

Donegal’s commercial insurance products are comprehensive and offer both packages and a la carte options to create a policy that meets the needs of any business.

The Business Owner’s Package (BOP) is available as a standard package or as a BOP Select plan, which is designed for businesses with more specialized coverage needs. This package policy includes all of the basic coverage any business needs along with customized options.

Donegal also has a commercial package policy, a flexible and customizable package that is offered to businesses that do not fit into the BOP categories.

Among the various coverage options are:

• Contractor’s Insurance
• A Commercial Auto Insurance Policy
• Commercial Umbrella
• Garage Insurance
• Worker’s Compensation Insurance
• Employment Practices Liability
• Liquor Liability
• Contractor’s Errors and Omissions
• Loss Control Services
• Group Programs

Farm Insurance

Farm insurance is Donegal’s original product, and they continue to write package policies for a variety of different farming operations.

The coverage extends to the residence and all farm structures, equipment, livestock, and crops, along with liability. A dedicated policy is also available for dairy farmers. Furthermore, Donegal offers a specialized umbrella policy tailored specifically for farms, ensuring comprehensive protection. For assistance with claims, individuals can contact the Southern Insurance Company of Virginia claims phone number, and customers can find insightful Southern Mutual Insurance Company reviews to inform their decisions.

Are Donegal Insurance Group rates affordable?

Donegal does not offer any online quoting for a policy premium, which is expected given the fact that they are a group of companies with varied rates and coverage options and that policies are sold through independent agents.

The website offers a state farm agent locator zip code tool, akin to the one provided by The Peninsula Insurance Company. It guides users by using ZIP code searches to connect them with local agents who can provide quotes.

Donegal Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Donegal Insurance Group provides various avenues for policyholders to submit claims, aiming to enhance convenience. You have the option to initiate a claim via their online platform, accessible upon logging in as a customer. Moreover, there exists a dedicated 24-hour toll-free phone line exclusively for claims reporting, ensuring swift and easily accessible assistance. If needed, you can quickly reach out using the Donegal Insurance phone number provided.

Average Claim Processing Time

While the article does not specify the exact average claim processing time, policyholders can expect efficient handling of claims through Donegal Insurance Group’s centralized claims reporting system. The company’s commitment to timely processing may vary depending on the complexity of the claim.

Customer Feedback on Claim Resolutions and Payouts

The article does not provide specific customer feedback on claim resolutions and payouts. However, prospective policyholders interested in customer experiences can explore online platforms such as Yelp, Google Reviews, or the Better Business Bureau (BBB) to access customer reviews and ratings related to claim resolutions and payouts with Donegal Insurance Group.

Digital and Technological Features of Donegal

Mobile App Features and Functionality

The article does not detail the specific features and functionality of Donegal Insurance Group’s mobile app. However, customers can expect the mobile app to offer convenient access to policy information, claims filing, and possibly features like bill payment and policy management. It’s recommended to visit the company’s official website or app store for more information on the app’s capabilities.

Online Account Management Capabilities

The article does not provide a comprehensive overview of Donegal Insurance Group’s online account management capabilities. Policyholders can typically expect online account access to view and manage policy details, make payments, and possibly access digital documents. The extent of online account management features may vary and can be explored further on the company’s website.

Digital Tools and Resources

The article does not specify the digital tools and resources offered by Donegal Insurance Group. However, insurance companies often provide digital tools such as calculators, educational resources, and blogs to help policyholders make informed decisions. Prospective policyholders can explore the company’s website for a comprehensive list of available digital tools and resources.

What’s the bottom line on Donegal Insurance Group?

Donegal appears to have a good reputation and a solid, if basic, list of products. For those that are seeking an alternative to the huge insurance companies and prefer to work with a local agent, they and their group of companies may be worth a closer look. Without rates, we are unable to speak to the value offered by Donegal, but as with all companies, it is the total package that each customer should look at when making an insurance purchase.