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Finance & Insurance

Main Street America

Serving Your Insurance Needs Since 1923


Available 24/7



Finance & Insurance

What We Do

Personal Auto Insurance Coverages

You rely on your car to start when you need it. You rely on your insurance to give you what you need, too. A personal auto policy from Main Street America brings you protection from:

Main Street America offers highly competitive rates, enhanced coverage options and a wide variety of discounts designed to meet the personal auto insurance needs of individuals and families who exhibit care and responsibility with regard to their driving habits, vehicles and loss history.

  • New Vehicle Replacement
  • Diminishing Deductible Rewards
  • Accident Forgiveness
  • Original Equipment Manufactured Parts Replacement
  • Full Safety Glass
  • Roadside Assistance
  • Loan-Lease Protection
  • Other Valuable Coverages

Extend Your Auto Coverage

Auto Elite Program - This includes three different levels of coverage. All levels offer transportation expense, personal clothing/baggage, roadside assistance and accidental airbag deployment. Additional coverages include trip interruption, disappearing collision deductible, loan/lease, extra medical expense benefits plus accident forgiveness.

Homeowners Insurance Coverages

We offer several homeowners coverages, to help you find the insurance protection that best fits your needs:

Main Street America provides property insurance protection that will give you the peace of mind knowing your assets are adequately protected. We offer a variety of additional coverages to extend your protection beyond our Homeowners insurance, such as:

  • Extended Replacement Cost coverage
  • Replacement Cost on Contents
  • Water back-up
  • Law or Ordinance coverage
  • Valuable items protection
  • Extend Your Homeowners Coverage

Homeowners Elite Program - This includes three different levels of coverage. All levels feature replacement cost coverage and our premium endorsement, Platinum, also provides increased protection for valuables, reimbursement for living expenses following a loss and other benefits. 

Home Systems Protection – Covers mechanical breakdown and electronic impairment of items such as HVAC and other appliances.

Service Line – Covers loss due to failure of underground electrical and water/sewer lines.
Home Cyber Protection – Provides protection from data breach, ransomware and fraud.
Identity Theft Coverage - One of the fastest-growing crimes today. Our policyholders have an opportunity to purchase identity theft insurance. Along with coverages, you also get valuable and time-saving assistance should you become a victim of identity theft.

Renters & Condos Insurance

The Main Street America Group offers valuable property insurance coverages for those who rent their homes as well as for condominium owners.

Contractors Insurance

Among a Contractor’s primary concerns is exposure to property damage and injuries to third parties while on a work site. Main Street America’s Main Line Business Owner’s Policy program (Main Line BOP) is designed with the special needs of Contractors in mind, providing all the basic insurance coverages to meet your liability needs.

Examples of Contractors’ classes we provide coverage for, including but are not limited to, the following:

  • Carpentry
  • Carpet and Floor Installation
  • Concrete Construction
  • Electrical Work
  • Heating – Combined HVAC
  • Janitorial Services
  • Landscaping
  • Masonry
  • Painting

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