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Central Insurance Companies Policy Packages

Starting its way in the insurance industry in 1876 as the Central Mutual Insurance Company, the Central Insurance Group is now an award-winning company with a central regional office in Van Wert, Ohio.

As a property and casualty insurance policy underwriters, the company provides a complete range of coverage for homeowners, auto, and business owners. The company has four major offices in the country including, granting insurance services in more than 19 states:


  • Central Regional Office in Van Wert covering Ohio, Michigan, Indiana, Illinois, and Kentucky
  • Northeast Regional Office in Waltham covering Massachusetts, New York, Connecticut, and New Hampshire
  • Southeast Regional Office in Alpharetta covering Georgia, South Carolina, North Carolina, Virginia, and Tennessee
  • Southwest Regional Office in Irving covering Texas, Oklahoma, Arizona, New Mexico, and Colorado


Unlike most companies that provide their products and services through captive agents as representatives, Central Mutual Insurance works with all its customers through independent agents. All insurance agencies in the cities above will be able to help every customer to get the best insurance products from the company. The best thing from working with an independent agent is the probability to get the most affordable coverage without sacrificing protection. 

An independent agent works on behalf of the customer, and the agent does not get any commission from the insurance provider regardless of how many sales the brokers make. There is an additional fee for using an independent agent, but the cost does not depend on company’s policy. The cost is negotiable between the customer and the agent. Central Insurance offers three major product categories: homeowners insurance, auto insurance, and business insurance. Each group comes with its endorsement programs and optional extras to cover every property. 


Homeowners Policy


There are three packages under Homeowners Policy category by Central Insurance Company including Central’s Homeowners Policy, Central’s Plus Ten Endorsement, and Summit Homeowners Policy. All basic types of coverage are available from Central’s Homeowners Policy. These will include financial protection against property losses, medical payments, and personal liability coverage. A basic policy also provides financial protection for additional structure, such as garage or shed, as long as they are an inseparable part of the main property. Depending on your financial circumstances and property characteristics, you may need additional protections.


Central’s Plus Ten Endorsement includes all protections you can find in the basic policy, but it adds ten more types of coverage for different perils. Some additions are:


  1. Food Spoilage: an additional coverage of up to $750 for food spoilage in the refrigerator due to power failure
  2. Missing credit/debit card: up to $1,500 coverage for legal obligations due to missing credit/debit card
  3. Debris removal: an extra coverage of up to $1,000 for debris removal due to trees knockdown
  4. Personal Injury Liability
  5. Additional living expense coverage due to property losses
  6. Missing keys coverage
  7. Home computers coverage
  8. Missing jewelry, watches, and furs coverage
  9. Damage to property of other parties
  10. Additional coverage for more structures


A complete coverage is available from Summit Homeowners Policy, which includes all protections from the previous two packages, yet it adds more protections and higher limits. There are fourteen more types of coverage that you get from the Summit Package, they are:


  1. Diamond engagement ring: coverage of up to $10,000 for missing diamonds during vacations
  2. Property replacement: financial protection to cover the cost of property replacement even when it exceeds the policy limit
  3. Water damage: reimbursement for loss of property due to water damage without deduction for depreciation.
  4. Higher coverage limit for debris removal
  5. Higher coverage limits for additional personal property away from the main premises
  6. Coverage for credit card and forgery of up to $5,000
  7. Higher coverage limit for foods spoilage in refrigerator of up to $1,000
  8. Personal Injury Liability coverage
  9. Higher coverage limits for silverware and guns
  10. Coverage of up to $10,000 for missing furs and watches
  11. Coverage for missing keys
  12. Coverage for data recovery on computer due to viruses
  13. Coverage for water backs up


Separate policy packages for condo owners, renters, and rental building owners are also available from Central Insurance Company. Similar to other packages, they come with several endorsements.


Auto Insurance

A basic auto policy provides liability coverage, medical payments, comprehensive, collision, and financial protection in the event of accidents involving drivers who have no insurance. Endorsements in Auto Plus policy from Central Insurance come in three major types of coverage as follows:


  • Towing and Labor with additional coverage of up to $100
  • Hit & Run coverage without collision deductible
  • Higher medical coverage limit of up to $10,000


Summit Auto Policy by Central Mutual Insurance has the complete protectionsScience Articles, and it provides the following coverage:


  • Repair & Replacement Coverage
  • Windshield replacement reimbursement
  • Rental car repair coverage
  • Loan/lease gap coverage
  • Non-moving collision coverage
  • Lockout Coverage
  • Transportation expense reimbursement
  • Higher medical payments limit
  • Pet injury coverage
  • Air bag replacement coverage
  • Automobile death benefit
  • Ambulance or fire service coverage
  • Personal effects coverage
  • Towing and labor coverage
  • Child safety coverage
  • Waiver of deductible for certain perils in collision and comprehensive
  • Excess electronic equipment coverage


Business Insurance


Central Insurance has business insurance programs for various fields including:


  • Contractors
  • Light Industrial
  • Building Owners
  • Service Businesses
  • Retailers
  • Wholesalers
  • Self Storage
  • Auto Service and Repair Shops
  • Offices
  • Builder’s Risk
  • Vacant Property
  • Restaurants

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Central Insurance also has three policy packages for auto owners including Central’s Auto Policy, Central’s Auto Plus Endorsement, and Summit Auto Policy. Similar to the Homeowners Policy, basic auto insurance coverage is available in the Central’s Auto Policy while the complete counterparts are available from the Plus and Summit variants. A separate package of coverage for the boat is available from the company as well.

Home Repair
Home Business
Self Help

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