- Has a great track record for customer service
- Offers a wide range of additional coverages and endorsements
- Homeowners report affordable rates
- Seems to be good at handling claims
- Very financially stable
- Only available in eight states
- No online quotes
- Offers a few discounts
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.
Goodville Mutual offers policies in eight different states. They serve Kansas, Oklahoma, Illinois, Indiana, Ohio, Pennsylvania, Virginia, and Delaware. With their homeowners insurance policies, there are all of the standard coverages you would expect with the option to add several additional coverages. Overall, there are a lot of options to customize your policy.
Goodville Mutual is named after the town where it was founded – Goodville, PA. The company moved its headquarters only a few years ago, but they still retain a presence in the town and its policies are sold in multiple states throughout the United States. Goodville used to provide only auto insurance, but once they acquired a large competitor – Earl Mutual, they started providing private and home insurance in the late 1980s.
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 its 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.
Types of Goodville Mutual homeowners insurance coverage
When choosing Goodville Mutual, you are getting protection for your home and other structures. You will also get personal liability coverage for you and any resident family member in your home. There is coverage for your personal property, and Goodville Mutual offers additional living cost coverage in case you need to temporarily relocate during a home repair.
There are two main kinds of homeowners policies they offer: standard policy and Home Cover Plus policy. If your home qualifies, your coverage gets automatically upgraded to Home Cover Plus with no extra charge.
Even their standard policies include several perks that you won’t often see with other insurers:
- Inflation guard
- Increased dwelling coverage A and personal property coverage C limits
- Watercraft liability extension
- Debris removal extension
- Landslide coverage
- Personal property with replacement cost
- Personal injury coverage
- Credit card coverage
- Fire extinguisher recharge
- Companion policy deductible waiver
- Fire department service charge
If your home qualifies to get Home Cover Plus policy your coverage will include everything listed above plus:
- Power outage coverage
- Garage door lock and transmitter replacement
- Deductible waiver
- Increased special limits
- Coverage for sewers, drains, and sump pumps
Goodville Mutual additional coverages
If you are looking for extra protection for your home, you can find it through Goodville Mutual. They offer coverage for rentals, such as apartments or rental homes. You can also get specific coverage if your home is located in the country. This applies to homes located on properties up to 80 acres, with 4H-type animals, or has farm buildings on the property.
They also offer coverage if you operate a home business on the premises. It is important to look into getting this coverage if you do because a traditional homeowners policy does not automatically cover home businesses. The coverage applies if the business does not exceed $40,000 in annual sales.
As far as endorsements go, you can add coverage to protect you against identity theft. You can also choose an underground service line endorsement that will apply to the exterior wiring and piping underneath your home. This is helpful if you have a natural gas line or other types of underground electrical power.
Goodville Mutual home insurance discounts
There are three ways you can obtain a discount on your homeowners policy when you choose Goodville Mutual.
- Have a newer home. You can get a discount if your home was built in the last 20 years.
- Have working smoke detectors and alarm systems set up.
- Bundle your home and auto insurance with Goodville Mutual.
These are all relatively easy criteria to meet, so it is possible to save money when you go with Goodville Mutual. Another tip provided on their website is to increase your deductible to lower your premium. This is the amount you will have to pay out of pocket before the company covers the rest during a claim.
Goodville Mutual homeowners insurance premiums
It is hard to determine how affordable insurance is through Goodville Mutual, as they do not offer online quoting. They encourage customers to contact a local agent to get a personalized quote. The process is pretty standard for similar insurers.
Checking online reviews we found multiple homeowners claiming that they got affordable home insurance rates with Goodville Mutual and ended up saving compared to their previous insurer. In fact, we didn’t find anyone complaining about high premiums.
Goodville Mutual home insurance claims
When reading through experiences customers have had with Goodville Mutual, it is clear to see that they excel at handling claims. Many customers are very happy with their experiences and have stated Goodville Mutual has a fast response time during the event of a loss.
Customers are also pleased with how efficient the claims process is when handled by Goodville Mutual. Some clients report getting a check within a day after they made a claim. Waiting around for a reimbursement payment can often be tedious, but it appears Goodville Mutual has a handle on this and takes care of its customers.
There are a handful of negative reviews that state Goodville Mutual was not there during major losses such as a home burning down. Others have also argued that the payout time was not fast and they had to wait for months to receive a payment. These negative reviews do seem to be rare, though.
Goodville Mutual’s customer service
Most customer reviews that praise Goodville Mutual discuss how professional and friendly the staff is. It appears customers are able to take care of basic policy servicing needs and have questions answered promptly. There are few complaints when it comes to the level of customer service received.
The negative reviews left by customers mainly focus on miscommunications that were experienced. They state that Goodville Mutual did not effectively communicate with them and made it difficult to work with the company, but these are very seldom when taking a look at the majority of the reviews.
Overall customer feedback is very positive with many happy clients reporting about their good experiences. As of March 2023, Goodville Mutual has earned 4.2 stars from 238 reviews.
Goodville Mutual’s financial strength
As a company, Goodville Mutual appears to be in excellent standing when it comes to its financial stability.
BBB
They have an A+ rating through the Better Business Bureau and have a great outlook over the next few years. There have only been a total of five closed complaints over the past three years.
AM Best
Goodville Mutual has an A rating through AM Best. This rating showcases the company’s ability to successfully handle its insurance obligations. Their future outlook also remains stable.
The verdict
Goodville Mutual seems like a good choice when it comes to homeowners insurance. If you happen to live in the coverage area, you will receive many different options that will allow you to fully protect your home. This can give you a lot of peace of mind.
They are mindful of country homes and even offer coverage for home businesses. This is great because it is inclusive of many different lifestyles. You are also able to bundle policies with Goodville Mutual to save some money on your homeowners insurance.
Overall, reviews left about the company are mainly positive. Several people praise Goodville Mutual for being a professional organization that truly cares about its customers. They state the agents are easy to talk to and the adjusters are great to work with.
The negative reviews left are seldom, but there are a few that argue Goodville Mutual is not the best to work with because of a lack of efficiency. These reviews appear situational and could potentially differ based on the agents the customers were assigned.
When it comes to financial stability, Goodville Financial appears very solid. They are able to meet their obligations and maintain excellent ratings through reputable business websites. This will put you at ease in case they become responsible for helping you pay out a claim
