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Integrity Insurance:
An Honest Review

A Midwest regional carrier built for bundlers. Integrity's condo product leads the market on loss assessment coverage — and their pricing model rewards clients who're willing to carry real deductibles.

★ ★ ★ ★ ★ ★
Options Insurance Rating
4.1 / 5
Midwest Regional Carrier
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A
AM Best Rating
90+
Years in Business
15 yrs
Options Placement Exp.
3
States: MN, WI, IA
Overview

About Integrity Insurance

Integrity Insurance was founded in 1933 in Appleton, Wisconsin — originally as a farm mutual fire insurance company serving Wisconsin farmers. Over the following decades Integrity expanded into Minnesota (1956) and Iowa (1981), and in 2002 completed an affiliation with Columbus-based Grange Insurance, one of the stronger regional insurance groups in the Midwest. That affiliation improved Integrity's financial backing, product depth, and long-term stability. AM Best rates the Grange/Integrity pool at A Excellent with a stable outlook — a rating that reflects consistent operating performance and solid capitalization.

Integrity operates exclusively through independent agents. There is no direct-to-consumer channel, no online quoting, and no captive agent force. Every policy is placed through an independent agent who has compared Integrity against other options in the market — which is exactly how it should work for a regional carrier whose value proposition is specific and targeted. Integrity is available only in Minnesota, Wisconsin, and Iowa, and they intend to stay that way. Regional focus, regional expertise, regional accountability.

We began placing clients with Integrity in 2025. In our first year, the standout has been their condo product — particularly for condo and townhome owners who need high loss assessment coverage that actually keeps pace with what Minnesota association master policies require today. Their bundled home and auto pricing is competitive, and their philosophy around mandatory deductibles is honest: clients who carry real skin in the game allow a carrier like Integrity to price more stably over the long term. That's a trade-off worth making for the right client.

Quick Stats

AM Best Financial StrengthA Excellent (Grange/Integrity Pool)
BBB RatingA+ Accredited
Customer ReviewsMostly Positive — Glowing Reviews Common
Founded1933, Appleton, WI · Affiliated with Grange Insurance (2002)
Geographic AvailabilityMinnesota, Wisconsin, Iowa Only
Distribution ModelIndependent Agents Only — No Direct Channel
Options Placement Experience1 Year (Since 2025)
Lines We Write with ThemHome, Auto, Condo, Umbrella — Bundle Required for Umbrella
What They Do Well

Integrity's Genuine Strengths

In our first year of placement, here's what has consistently stood out — with particular depth on the condo and bundled coverage side.

🏢

Outstanding Condo Product — High Loss Assessment Limits

This is Integrity's standout product for the Options Insurance client base. Condo and townhome association master policy deductibles have escalated sharply in Minnesota — in many cases to $25,000 or more — meaning a single association loss assessment can expose unit owners to thousands of dollars in out-of-pocket costs. Integrity's condo product offers high loss assessment coverage limits that actually reflect what Minnesota associations require today. This is the coverage Tippy's condo and townhome clients specifically ask for, and Integrity delivers it consistently.

🤝

Independent Agent Only — Built for This Channel

Integrity sells exclusively through independent agents. No direct channel, no online quoting, no competition from their own distribution network. That's a deliberate model — Integrity's products and pricing are designed to work through agents who understand them. When you place a client with Integrity through Options Insurance, you're getting a carrier whose entire business model is aligned with the independent agent relationship, not competing against it.

🏠

Competitive Bundled Home and Auto Pricing

Integrity's best value is in the bundle. Clients who bring both home and auto to Integrity benefit from competitive bundled pricing in the Minnesota market, particularly for standard residential profiles. The bundle-focused model also aligns with how Integrity underwrites umbrella coverage — all underlying policies must be with them — which creates a clean, consolidated coverage picture for clients who qualify.

⚖️

Pricing Philosophy Built for Long-Term Stability

Integrity's mandatory deductible approach is honest and worth framing correctly to clients. Higher deductibles reduce small-claim frequency, which allows Integrity to price more stably over time and avoid the rate volatility that hits carriers with low-deductible books hard. Clients who understand that insurance is for significant losses — not every ding and scratch — will find Integrity's pricing model rewarding over the long term. This is a mindset conversation worth having before placement, not a surprise at renewal.

🌾

Midwest Roots — Regional Accountability

Integrity has been insuring Minnesota households since 1956. They understand Minnesota weather, Minnesota construction, and Minnesota claim patterns in a way that a national carrier managing 50 states simultaneously cannot. Their affiliation with Grange provides financial depth; their Midwest regional focus provides relevance. For clients who prefer a carrier with genuine regional roots and accountability, Integrity's history and geography matter.

📱

Mostly Positive Customer Reviews

Third-party review sites consistently show mostly positive customer reviews for Integrity — a meaningful data point for a carrier that doesn't participate in J.D. Power studies. BBB accreditation at A+ adds to the picture. For a regional carrier without the national profile of a Travelers or Progressive, the customer review record is a reliable signal of how claims and service actually go. In our first year of placement, our client experience has matched what the reviews suggest.

Where They Fall Short

Honest Gaps to Know About

No carrier is perfect. These are the honest trade-offs to know about before placing with Integrity.

📋

High Mandatory Deductibles — Not for Everyone

Integrity's deductible structure is higher than many competitors — and it's mandatory, not optional. Clients who expect to file small claims or who are uncomfortable carrying meaningful out-of-pocket exposure will be frustrated by this. We set expectations clearly before placement: Integrity is built for clients who understand that insurance is for significant losses, not routine maintenance. If that mindset doesn't fit, we place with a different carrier. This is a fit issue, not a flaw — but it matters.

☂️

Umbrella Requires All Underlying With Integrity

Integrity requires that all underlying policies — home and auto — be placed with Integrity in order to write the umbrella. That means if a client has a specialty auto situation, a farm policy, or other coverage that we place with a different carrier, Integrity can't write the umbrella. For clients whose coverage picture is entirely standard home and auto, this isn't a limitation. For more complex households, it can be.

🗺️

Minnesota, Wisconsin, and Iowa Only

Integrity is not available outside MN, WI, and IA. For clients with properties in other states — a vacation home, a recently relocated family member, a snowbird situation — we need a different carrier for those out-of-state properties. In the southwest metro Chaska market, this rarely comes up. But it's worth knowing upfront for clients with multi-state footprints.

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No Online Quoting — Agent Required

Integrity doesn't offer online quoting. All quotes go through an independent agent. For clients who want to shop rates online at 10pm on a Sunday, Integrity isn't built for that workflow. Clients placed through Options Insurance won't notice this gap — we handle the quoting process. But it's worth knowing that Integrity's model is agent-first by design, which means their relationship with independent agents is their only distribution channel.

Best Fit For

Is Integrity Right for You?

We've been placing with Integrity since 2025. Based on their product design and our first year of experience, here's who belongs with them — and who we'd steer elsewhere.

✓ Great Fit

  • Condo and townhome owners who need high loss assessment limits — Integrity's condo product is built for this
  • Clients who can bundle home and auto with one carrier — Integrity's value is in the bundle
  • Clients who understand insurance is for significant losses and are comfortable carrying real deductibles
  • Minnesota, Wisconsin, and Iowa households — Integrity knows this market
  • Clients who want an independent-agent-only carrier with regional roots and accountability
  • Standard residential profiles — home, auto, and umbrella under one account

✗ Not Ideal For

  • Clients who can't bundle home and auto — Integrity's pricing model depends on the bundle
  • Clients who want low mandatory deductibles or expect to file small claims
  • Households with coverage needs outside MN, WI, or IA
  • Clients with complex coverage pictures that prevent full bundling — umbrella requires all underlying with Integrity
  • Clients who want to shop rates online without an agent
Options Verdict

We Place Clients with Integrity When...

"We place clients with Integrity when they understand insurance will often require them to have some skin in the game on deductibles. This mindset helps insurance carriers like Integrity weather the storm and have stability and longevity. My condo and townhome association owners love Integrity Insurance — they offer the coverage they need including the loss assessment coverage. It's been a great fit from day one."

— Tippy Sourignavong, Personal Lines Agent, Options Insurance

🏢 Condo Loss Assessment 🏠 Home + Auto Bundle ☂️ Personal Umbrella 🌾 Midwest Regional ⚖️ High-Deductible Mindset 🤝 Independent Agent Only 🏘️ MN · WI · IA 📈 Long-Term Stability
Client Resources

Integrity Policyholder Contacts

Already an Integrity client through Options Insurance? Here are the resources you need.

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Report a Claim

1-800-422-0550

Available 24/7 — Integrity's 24-Hour Loss Reporting Center. You can also file online through your MyIntegrity account at integrityinsurance.com. Your Options Insurance agent can help coordinate if needed.

📞

Customer Service

1-800-445-3030

Policy changes, billing, and general service. For most policy changes, your Options Insurance agent is the fastest route — we manage the Integrity relationship directly on your behalf.

💻

Online Policy Portal

integrityinsurance.com — MyIntegrity

Log in to MyIntegrity to manage your policy, make payments, view policy documents, and file or track claims. Note: Integrity does not offer online quoting — all new quotes go through your Options Insurance agent.

📱

Integrity Mobile App

Download the Integrity Insurance app on the App Store or Google Play. Manage your policy, make payments, view ID cards, and report claims from your phone. The app connects to your MyIntegrity account for full policy access.

Featured Agent
Tippy Sourignavong, Personal Lines Agent at Options Insurance

Tippy Sourignavong

Personal Lines Agent

Tippy is Options Insurance's lead agent for Integrity placements, with a particular focus on condo and townhome owners across the southwest metro. She has a direct line to what Integrity does well — and is known for explaining the high-deductible philosophy in a way that clients appreciate rather than resist. "My condo and townhome association owners love Integrity Insurance. They offer the coverage they need including the loss assessment coverage. It's been a great fit!"

(952) 392-9508 Email Tippy
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The opinions expressed on this page reflect the experience of Options Insurance agents based on policies placed and client feedback received over 15 years. Individual results may vary. Options Insurance has a commercial relationship with Integrity Insurance as an appointed independent agent. This review is not sponsored, approved, or endorsed by Integrity Insurance or Grange Insurance. AM Best, J.D. Power, and NAIC data are sourced from publicly available reports and are cited for informational purposes. Ratings are subject to change. Integrity Insurance is available in MN, WI, and IA only. Umbrella coverage requires all underlying policies to be placed with Integrity. Integrity Insurance is affiliated with Grange Mutual Casualty Group. Comparison data is based on publicly available third-party research. Coverage availability and terms vary by state, risk profile, and underwriting criteria. This page does not constitute a coverage guarantee or binding commitment.

Last updated: May 13, 2026