Main Street America Insurance
Main Street America sells business insurance in Florida.
Based in Jacksonville, FL. In Florida since 2005.
Taking new business policies
Florida company code 03653, NAIC 14788.
Policies in force
Not available
No count on file
Latest rate change
Not available
No rate change on file
Financial strength
A (Excellent)
From AM Best, as of Oct 22, 2026
Complaints
2.31
NAIC index, 2025. 1.00 is average.
Near you
Can I get a policy?
We're still gathering this company's rules. Call and we'll check for you.
Two choices when your Main Street America rate goes up
You have two choices. One 5 minute call covers both.
Before you call, see the Florida home insurance renewal checklist.
Shop your renewal in one call
One call. A licensed agent shops other companies for you, free.
What's changed recently
Is Main Street America leaving Florida? No sign of it. On Oct 22, 2026 their agent map showed 269 Florida offices, and OIR showed NGM as active. As of Nov 2, 2026. Source: msainsurance.com.
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NGM gets their Florida license
OIR has the date. NGM got their Florida license on May 26, 2005.
Rate history
No rate filings tracked yet.
21 years in Florida
In Florida since 2005. Has paid claims through 12 hurricanes.
Main Street America flood insurance
Main Street America sells flood insurance from FEMA's flood program, the NFIP.
Source: FEMA FloodSmart, Find a Flood Insurance Provider (Florida), read Oct 20, 2026.
Compare Main Street America side by side
| Main Street America | State Farm | Slide | |
|---|---|---|---|
| New policies | Taking new policies Checked Nov 2, 2026 | Taking new policies Checked Nov 2, 2026 | Taking new policies Checked Nov 2, 2026 |
| Florida policies | Not available | 654,641 Florida OIR, Jul 31, 2026 | 475,227 Florida OIR, Jul 31, 2026 |
| Latest rate change | Not available | +0.8% Home, from Jan 15, 2026 | Not available |
| Complaint index | 2.31 NAIC, 2025, nationwide, all lines. 1.00 is average. | 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 0.88 NAIC, 2025, nationwide, homeowners. 1.00 is average. |
| Financial rating | A (Excellent) AM Best, Oct 22, 2026 | A- (Excellent) AM Best | A (Exceptional) Demotech, Oct 7, 2026 |
| In Florida since | 2005 | 1934 | 2022 |
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- Tower Hill Taking new policies
Tower Hill is a Gainesville insurer. They have covered Florida homes since 1972. New policies come from the member owned Tower Hill Insurance Exchange.
- Frontline Taking new policies
Frontline is the Lake Mary brand behind First Protective. New Florida home policies now come from their FIRE exchange, open statewide.
- Citizens Taking new policies
Citizens is run by the state and covers Florida homes when no private company will. They sell home, condo, renters and wind only plans.
More on our list of Florida commercial insurance companies.
Florida guides for Main Street America customers
Questions people ask about Main Street America
What is the Main Street America claims phone number?Call 877-425-2467.
Their claims page says you can report a claim at that number 24/7. You can also file some claims online or ask your agent.
What is the Main Street America customer service number?Call Customer Care at 877-927-5672.
The line is open 8 a.m. to 8 p.m. Eastern, Monday to Friday. Your agent can also help with your policy.
Does Main Street America sell insurance in Florida?Yes, through local agents.
On Oct 22, 2026 their agent map showed 269 offices in Florida. They sell business cover like workers' comp, auto and liability.
Source: Main Street America Find an Agent map, read Oct 22, 2026
Is Main Street America licensed in Florida?Yes.
OIR lists their main insurer, NGM Insurance Company, as active. Their home office is in Jacksonville. They got their Florida license in 2005.
Who pays my workers' comp claim if Main Street America fails?A state fund pays.
Florida law says each workers' comp insurer must join it. If a court closes an insurer that cannot pay their debts, the fund pays covered claims, within limits. Its name is the Florida Workers' Compensation Insurance Guaranty Association.
Source: Sections 631.904 and 631.911, Florida Statutes, read Oct 20, 2026
Is Main Street America a good insurance company?Public data only: AM Best rates NGM Insurance Company, Main Street America's main Florida company, A (Excellent).
AM Best affirmed that on Oct 22, 2026. Their 2025 NAIC complaint index, all lines, was 2.31. An index of 1.00 is average for a company of the same size. So they got more complaints than most.
Main Street America reviews and complaints: what the public data shows
Main Street America rating
- Complaints
- 2.31 on the NAIC complaint index 1.00 is average. Higher means more complaints for their size. NAIC, 2025, nationwide, all lines. As of Oct 22, 2026.
- Years in Florida
- Since 2005 (21 years)
- Regulatory actions
- Not available
No star ratings and no user reviews, only public data.