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Goodville Mutual Home Insurance Review

Goodville Mutual Home Insurance Review

Goodville Mutual Home Insurance Review

Goodville Mutual is a Pennsylvania-based insurance company that provides insurance policies for auto owners, homeowners, and commercial property owners. Goodville Mutual is one of the oldest insurance companies in the northeastern USA – Goodville was started as a Christian insurance group that aimed to provide insurance based on values written in the Bible. Goodville was founded by a group of Christian Mennonites in 1926 – they wanted to combine Christian moral principles with great coverage. Goodvillle Mutual specializes in auto insurance, however, they expanded to home insurance and farm insurance.

Company Overview

Goodville Mutual is named after the town where it was founded – Goodville, PA. The company moved their headquarters only a few years ago, but they still retain a presence in the town and their policies are sold in multiple states throughout the United States. Goodville used to provide auto insurance for most of its existence, but once they acquired a large competitor – Earl Mutual, they started providing private and home insurance in the late 80s.

Goodville Mutual made multiple expansions and acquisitions – the biggest merger for Goodville occurred in 1996 when it acquired 3 other Mennonite insurance companies. Goodville currently offers their insurance policies in 8 states: Delaware, Virginia, Ohio, Indiana, Illinois, Oklahoma, Kansas, and Pennsylvania. Goodville relocated their headquarters from Goodville, PA to New Holland, PA in 2016. The company does not sell their policies directly, but they have a network of hundreds of agents located in most large cities in the states they operate – clients have to enter their zip code to find their nearest agent and receive a quote. Goodville Mutual is located in New Holland, PA.

Goodville Mutual home insurance is available for the following:

  • Homeowners
  • Farm/country homeowners
  • Commercial property owners

Financial Ratings

Goodville Mutual has very stable finances – the company was listed on the Better Business Bureau, one of the largest financial institutions responsible for rating insurance companies based on their financial stability and customer complaint ratio. The BBB awarded Goodville Mutual an A- rating; this signifies the company has very stable finances and few customer complaints.

Home Insurance

Goodville Mutual offers multiple HO-3 home insurance plans, add-ons and options to increase coverage on standard policies. Goodville Mutual has three home insurance plans: HO-3 Basic, HO-3 Extra and HO-3 Plus. Their HO-3 basic plan is their most popular plan, as it provides value for the replacement/repairs of the main home, side structures, and medical payments.

Basic Plan

The HO-3 Basic plan provides coverage for the following:

  • The home. The main home is insured for all damages. This includes any damage to the roof shingles, windows, doors, interior, exterior, paints, infrastructure pipes, electricity and more. Virtually all forms of damage are covered under the Basic policy and most of the coverage goes on insuring the main home.
  • Side structures. All side structures on the property are covered, such as guest houses, detached garages, decks, sheds, workshops, animal houses/barns, etc. The main difference is that they have lower maximum coverage for repairs compared to the main house.
  • Personal belongings. All personal belongings of the insured person and their family are covered – virtually all items in the house fall under this policy: clothing, furniture, appliances, silverware, electronics, equipment, AC units, and more. The only exception is for high-value items as there are caps on the maximum value covered. Clients have the option to insure high-value items (gold watches, weapons, designer clothes, cash, etc) separately.
  • Loss of use liability. If the client has to move away from their home while repairs are carried out, they’re entitled to all their living expenses such as rent, bills, and food. Goodville covers all their living expenses in order to maintain their life quality while repairs are being carried out.

Optional Add-Ons For The HO-3 Basic

  • Inflation Guard. If inflation increases the costs of materials and repair expenses while the client’s policy (usually a 6 or 12-month policy) is active, the company will compensate for the difference in cash value.
  • House coverage (A-coverage) increase. If a client wishes to increase their coverage on their main home, they can do this free of charge (there are no processing fees – only their premiums are increased). If the house has $500,000 worth of coverage and a client wishes to bump that up to $600,000 they can without paying service charges.
  • Watercraft liability. If a client has a watercraft on their property (jet skis, boats, etc) they can add them to the standard HO-3 policy as they are high-value items that do not fall under personal property protection.
  • Debris removal. Debris removal protects clients against tree damage and it’s meant for clients who live in forested areas or rural properties. If a tree falls on a client’s property, the company will hire a contractor to remove the tree and clean up their property.
  • Landslide option. Landslides do not come included in the main HO-3 policy and can be added as an option.
  • Guaranteed property replacement cost. If a client is worried that their main coverage won’t be able to cover the full replacement cost, they can insure their home for guaranteed replacement cost. This means that if a client’s coverage is for $400K, and a full repair costs $500K, the company will fork out $500K because they upgraded to the guaranteed property replacement policy.
  • Medical payments. Clients can negotiate their medical coverage that will cover their medical bills in case they’re injured on their property.
  • Fire Department charge. If the fire department has to save the family in an emergency or put out a fire which incurs charges, this optional add-on will cover the fire department invoice.

Home Cover Extra

Goodville Mutual’s Home Cover Extra is a plan that includes all the main policies of the HO-3 Basic plan plus optional policies:

  • Power outage. If the power in a client’s home goes out and spoils their food, the client can make a claim to collect on the damages.
  • Lock/garage transmitter. If the transmitter stops working, the company will replace the transmitter or fix the equipment for the main lock and the garage.
  • Water damage. If the sump pump overflows and causes a flood in the client’s basement/lower levels, this add-on will insure them for the plumbing/repairs and drainage. The water damage policy includes all damages to the underground pipes, the sewer system, all drains, etc.
  • Deductible waiver. This handy add-on helps clients pay less if they make multiple claims.
  • Increased coverage. This policy will increase the total coverage on the main home between 25-50% for 125-130% total coverage on the home value. 
  • Special limits. Clients will be eligible for higher limits and replacement costs on their personal property.

Home-Cover Plus

Goodville Mutual’s premium plan with the highest amount of coverage is their Home Cover Plus – some homes don’t qualify for this plan, and clients have to inquire in advance.

This plan offers every single basic and optional policy + the highest property coverage obtainable. The Home Cover Plus is for clients who want 100% protection from every single peril along with a guaranteed replacement for all damages to the dwelling.

Customer Reviews

Goodville Mutual receives overly positive reviews and they have a handful of negative reviews. Clients say they were pleased their team takes little time to deploy evaluator teams and pay for claims on time. Some clients report getting a check within a day after they made a claim. Most of the praise is for low rates and efficiency.

Negative reviews for Goodsville Mutual are for claims who claim the company over-investigates and makes an effort to deny claims – they will request evidence/reports from the police that you are not at fault. Many times their claims process comes down to luck, as some homes and vehicles are not personally investigated and clients have to present evidence themselves.

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