The Western Reserve Group operates exclusively through more than 3,500 independent agents located in over 650 locations throughout Ohio and Indiana, providing insurance protection to over 174,000 households, businesses, and farms. The company is rated A (Excellent) by A.M. Best. The Western Reserve Group offers a wide range of value added property and casualty insurance products for automobiles, homes, commercial businesses, and farms.
Services
The Western Reserve Group is made up of three Ohio domiciled property and casualty insurance companies. The three companies include Lightning Rod Mutual Insurance Company, which commenced business in 1906; Western Reserve Mutual Casualty Company, which commenced business in 1937; and Sonnenberg Mutual Insurance Company, which commenced business in 1859.
The Western Reserve Group is dedicated to the independent Agency distribution system of insurance. We believe an independent insurance agent can take a personal interest in the buyer of insurance, devote adequate time to determining insurance needs, and match those needs with the best insurance coverage available at a competitive price.
Western Reserve Group is a leading Property/Casualty Insurance Company offering a comprehensive and competitively priced portfolio of auto, home, farm, and commercial products. These products are supported by nearly 300 employees dedicated to providing quality service to our independent agents and policyholders.
The Personal Lines Portfolio includes policies designed to cover automobile, home, condominium, rental, and excess personal liability exposures. The Western Reserve Group offers an affordable personal auto program designed to meet most customers' insurance needs. Coverage is also available for motor homes, motorcycles and trailers.
Reviews (11)
Alex Burlotos
Jun 23, 2022
Normally we like to do business with local Ohio companies but Western Reserve has been horrible in denying a claim for my 90 year old father in law. As an honored veteran, he deserves to be treated with respect but instead they have continually put up road blocks during this process. No doubt I would never recommend anyone to do business with this company. We have filed a complaint with the Ohio Department of Insurance and will continue to fight for his rights just like he fought for the freedom of our country.
Teddy D.
Jun 03, 2022
Josh Bowman
May 27, 2022
Only using 1 star because I cannot give them a zero. Using Western Reserve for homeowners insurance and have been for around 7 years now. Had to submit my first claim due to roof damage that caused ceiling to collapse from rain. Heaven forbid you have to talk to someone within this company, they do not exist. They don't even send an 'adjuster' out to survey the damages.
They use an app and photos, then give you the bare minimum that doesn't even cover 1/2 the damages. No adjustments for inflation on materials, literally every deduction in the book off the minimum for repairs. Also submitted for personal property damages and that also has not been included. Hands down 1st and worst insurance claim ever. I have yet to get a call or email back since documents were submitted about a month ago. Customer service and customer satisfaction does not exist here.
They use an app and photos, then give you the bare minimum that doesn't even cover 1/2 the damages. No adjustments for inflation on materials, literally every deduction in the book off the minimum for repairs. Also submitted for personal property damages and that also has not been included. Hands down 1st and worst insurance claim ever. I have yet to get a call or email back since documents were submitted about a month ago. Customer service and customer satisfaction does not exist here.
Arthur Coleman
May 20, 2022
Didn't want to rate them at all! Driver's license is clean. Had one wreck and got a letter in the mail they're dropping me. Cool! I have 2 vehicles with full coverage on both. Gladly take my money somewhere else and I would STRONGLY advise any and everybody else to do the same. DO NOT WASTE YOUR TIME OR YOU WILL REGRET IT! GUARANTEED FACTS!
Jesse Wood
Mar 07, 2022
Kyle Savoie
Feb 14, 2022
This has to be the WORST INSURANCE SCAM GOING! My vehicle was vandalized, it took almost a week to hear from an adjuster, then after finally receiving a phone call trying to cover bare minimum, when I have been a loyal customer paying HEFTY PREMIUMS for what I thought was good coverage. STAY AWAY FROM THIS JOKE OF A COMPANY! Also stay posted for a updated review after the Lawsuit is filed.
In addition to being a horrible company, they have horrible customer service Mathew Sells: AVP Auto Property Claims as Well as Vonda should receive the Most Horrible Customer Service Award! Complete details of this entire event from start to finish will be published tomorrow afternoon. STAY AWAY FROM THIS COMPANY! They will gladly take your premiums, and then turn around and state If we were to cover all claims like this we would be loosing way to much money
In addition to being a horrible company, they have horrible customer service Mathew Sells: AVP Auto Property Claims as Well as Vonda should receive the Most Horrible Customer Service Award! Complete details of this entire event from start to finish will be published tomorrow afternoon. STAY AWAY FROM THIS COMPANY! They will gladly take your premiums, and then turn around and state If we were to cover all claims like this we would be loosing way to much money
Julie York
Jan 27, 2022
Had homeowners insurance through this company for years. Never had to file a claim until recently. Filed in October for a leak that caused my ceiling to collapse. Didn't process claim until December then replaced roof but didn't pay for ceiling to be repaired or gutters fixed. Want their premium in a timely manner though. Not happy with their service. Changed insurance company
Joe Stedman
Dec 19, 2021
Critical: Professionalism I have been with Western Reserve 15 years for my homeowners policy. Never filed a claim I had wind and hail damage on my policy. The wind damaged my roof so I filed a claim. Told me that roof wasn't nailed down right. Not going to help you out. Definitely getting rid this insurance company
Debmalya Bhattacharya
Jun 01, 2021
I have had auto insurance for over 9 years (2 cars) and and home insurance since 2018. I have had no problems for auto accident claim (car totaled) and also a basement water leak for my home insurance. Both times the adjusters were responsive and and communicated promptly. Their rates are the most affordable.
Elizabeth M.
Oct 24, 2019
This company insures the landlord that almost killed my bf, my cat, and myself with a CO monoxide leak due to his negligence in keeping his property up to health and safety codes. Their response to our complain was "Well did you inspect the unit yourself?" I am not a plumber. I do not know how a water heater is supposed to be installed and vented.
And it is my landlord's responsibility to ensure that his property is in a safe and habitable condition. These people are just as crooked as my penny pinching landlord. I have photo proof of the improper install and maintenance of the water heater as well as the improper ventilation system used. These people do not care that they could have killed people. DO NOT DO BUSINESS WITH THEM.
And it is my landlord's responsibility to ensure that his property is in a safe and habitable condition. These people are just as crooked as my penny pinching landlord. I have photo proof of the improper install and maintenance of the water heater as well as the improper ventilation system used. These people do not care that they could have killed people. DO NOT DO BUSINESS WITH THEM.
Mark K.
Nov 28, 2017
I've had these folks for my car and home/renter's insurance for something like 25 years. I've had a few claims over the years, most recently hitting a deer. Every time, they've been fast and friendly, and I've been pleasantly surprised by how things were resolved. Prices are middle of the pack, not super cheap, but you get what you pay for.
Coverage seems pretty standard. Every year or so we review our plans, and end up staying with them. Insurance is never fun, or cheap, but it's a necessity, and when you have an accident it's nice to know that things will get taken care of.
Coverage seems pretty standard. Every year or so we review our plans, and end up staying with them. Insurance is never fun, or cheap, but it's a necessity, and when you have an accident it's nice to know that things will get taken care of.
