The Main Street America Group

in Home Insurance

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The Main Street America Group


in Home Insurance

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Where does The Main Street America Group do business?

The Main Street America Group is an insurance carrier based in Jacksonville, FL. The company was founded in 1923 and offers home insurance in 36 states in the USA. 

What is the financial strength rating of The Main Street America Group?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies.  SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

The Main Street America Group scores an A or excellent, which is SuperMoney's second highest available score.

What types of coverage does The Main Street America Group offer?

Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. The Main Street America Group offers the following types of home insurance coverage:

  • Dwelling Coverage: Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.

  • Guest Medical Protection: This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.

  • Liability Coverage: The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

  • Other Structures Coverage: This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.

  • Personal Property Protection: This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.

  • Reimbursed Living Expenses: This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.

The Main Street America Group customers can also add the following riders or endorsements to their home insurance policies:

  • Earthquake Coverage: This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.

  • Identity Theft Protection:  This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.

  • Valuable Items: Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.

  • Watercraft Coverage: This rider provides protection from liability and damages caused by a boat. This may be enough if you have a small boat or if you only use it on your property. However, you may want to consider a separate boat insurance policy for larger boats and longer trips.

How can you save money on a The Main Street America Group home insurance policy?

When you ask for a quote with The Main Street America Group, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available. 

  • Recent Home Improvements / New Roof
  • Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with The Main Street America Group.

    What additional benefits does The Main Street America Group offer?

    The Main Street America Group offers the following benefits to its customers:

    • 24/7 Phone Availability: Customer service is staffed around the clock.

    • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

    • Digital Claims Reporting: Never fax or mail a document again.
    SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


    • Headquarters
    •   4601 Touchton Road East
      Suite 3400
      Jacksonville, FL 32246 USA
    •   Visit Site

    Other Services by The Main Street America Group


    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 36 states
    • Arizona
    • Connecticut
    • Delaware
    • Florida
    • Georgia
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New York
    • North Carolina
    • North Dakota
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Utah
    • Vermont
    • Virginia
    • Washington
    • Wisconsin

    Feature Breakdown

    Policy Discounts
    • Multiple Policy
    Property Discounts
    • Recent Home Improvements / New Roof
    Home and Renters Insurance Riders
    • Earthquake Coverage
    • Flood Coverage (Federal)
    • Identity Theft Protection
    • Valuable Items
    • Watercraft Coverage
    Financial Strength Rating
    • A
    Loyalty Program  
    Claim Forgiveness  
    Carrier Features
    • 24/7 Phone Availability
    • Locally Available Agents
    • Digital Claims Reporting
    Available 24/7 by Phone  
    Reimbursed Living Expenses  
    Personal Belongings  
    Cosmetic Damage  
    Home and Renters Insurance
    • Dwelling Coverage
    • Guest Medical Protection
    • Liability Coverage
    • Other Structures Coverage
    • Personal Property Protection
    • Reimbursed Living Expenses

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