- Simple and straightforward company.
- Many discounts available.
- Several additional coverages.
- Few reviews left by customers.
- No known premium information.
Midvale Home & Auto Insurance is based out of Madison, WI. They provide home, auto, condo, and renters insurance. The website is fairly straightforward, only showcasing these policies. It appears that Midvale makes it simple for its customers by only focusing on a few select products. While there is not a list of states they serve on their website, it appears that Midvale serves a broad range of customers located all over the United States.
If you have never heard of this insurer, you may have heard of its parent company, American Family Insurance Group. This is the group that Costco uses to provide insurance for its customers. With its hundreds of locations all over the country, many people likely have experience with this parent company. Because of the level of expertise that comes with American Family, this gives you a great reason to trust Midvale with your homeowners insurance.
American Family provides homeowners insurance in 19 states, so Midvale is likely available in the same states.
Midvale homeowners insurance coverage
If you are interested in getting homeowners insurance through Midvale, you are going to receive a standard policy that covers your dwelling, other structures, personal belongings, and personal liability. These are the core coverages that are included with a Midvale policy, but you are not limited to them. The company does offer additional coverage that you can apply to create a custom policy that best suits your needs.
Choosing a carrier like Midvale that offers straightforward coverage can be a great choice because you know you are going to be protected, and you have the option to make the coverage more comprehensive if you choose. This is also helpful if you are on a budget because you can control how expensive the policy becomes depending on how many additional coverage options you choose.
Additional coverages
If you want a homeowners insurance policy that covers more than the basics, Midvale does offer a range of endorsements you can choose to add. These are all optional coverages that will help protect your home.
- Away from home: Coverage that protects your personal property while you are traveling.
- Pet bites: Coverage that protects you in case your pet bites someone in your home.
- Code: Coverage for getting your home up to code in case of a covered loss.
- Falling debris: Coverage for damage caused by falling debris.
- Power outages: Coverage for damage caused by power outages.
- Identity theft: Coverage up to $15,000 in case your identity is stolen.
- Personal injury: Coverage that protects you from slander, libel, and invasion of privacy.
- Valuables: Coverage for valuable personal items.
- Extended home coverage: Additional coverage for your dwelling (up to 25% or 50%).
- Increased personal property limits: Extra coverage for your personal belongings.
If you are interested in any of these additional coverages, you can easily add them to the basic homeowners policy that Midvale offers. This is a great way to only get exactly what you need.
Midvale home insurance discounts
Midvale does provide several discounts to its customers. If you qualify for any of them, you can save a good bit of money on a homeowners policy with the company.
- Welcome Home: A discount you receive for buying a new home.
- Moving In: A discount for moving from an apartment or condo into a home.
- Roof it Over: A discount for having a roof that is 10 years old or newer.
- Drive Home: A discount for also choosing an auto policy with Midvale.
- New Construction: A discount for having new construction or renovations.
- Safety First: A discount on central fire and burglar alarms or sprinklers.
- Better Together: A discount bundle of endorsements to add to your homeowners policy (Midvale advertises they have two options)
If you qualify for any of these discounts, you can add them to your quote to save some money on your premium. This is great because Midvale offers several different ways to lower your rates.
Midvale homeowners insurance premiums
It is uncertain where Midvale ranks in terms of premiums, but it can be assumed that the company is good for those who are on a budget. Since there are several discounts provided, you can probably get your rate decently low when you put together a homeowners insurance quote. The easiest way to find out is to go online and get your own quote through the Midvale website. They have an easy online quoting tool you can use to check the rates.
Claims experience
The company makes it very easy to file a claim if you need to. They have online filing options for both home and auto claims, which is convenient. You can also call or email if you do not want to go through the whole process on your own. It appears that Midvale attempts to make the claims process as easy as possible for its customers.
There are limited reviews left for Midvale in regard to the way they handle claims. Unfortunately, the ones that have been left are not positive. Someone states the company does not offer reliable communication, which makes them hard to work with. This is something to keep in mind before choosing Midvale as your insurer.
Customer service
If you need to contact Midvale for customer service inquiries, the company makes it seem very easy to do this. It appears very straightforward—you can either call or email the company with your questions. Limited reviews are left for the carrier, this makes it difficult to tell how they are handling customer service requests. Because of this, it is hard to determine if they can provide a good level of service.
Financial strength
BBB
Midvale is not currently accredited with the Better Business Bureau. They currently hold a rating of B+ in terms of their financial stability. This is an okay rating, but there is definitely room for improvement as a company.
AM Best
In an article posted in November 2013, Midvale earned an A rating through AM Best. This is seen as an excellent financial stability rating. Their financial outlook for the future is considered stable.
The verdict
Midvale is an insurer that appears to provide simple coverage with the option for customization if you choose. One of their main strong points is the different endorsements they offer to further protect your home. They also offer many different discounts for you to save money on your premium. While there is no known premium information, it is thought that you can get a decent rate on a homeowners insurance policy through Midvale.
While the reviews left for the carrier are limited, the few that exist are not in favor of the company and the way it handles claims. Customers do not appear to be very happy with the claims process, and this is definitely something to keep in mind when shopping for homeowners insurance. It is thought to be difficult to get in touch with a representative who can provide assistance during these difficult situations.
Overall, Midvale is a decent carrier that has a few promising traits. They are likely not going to be the best option out there because of their lack of customer reviews. You can probably find a more experienced carrier with a better reputation to ensure that you are getting the best protection for your home.
