- Great customer service and claims handling.
- Financially secure company.
- Lots of years in the industry.
- Only available in select states.
- Not many additional coverages available.
- Few discounts offered.
For over 80 years, Western Mutual has been providing its customers with insurance. They serve the states of California, Nevada, Utah, Arizona, Colorado, New Mexico, and Texas. Best known for its homeowners insurance product, Western Mutual claims to help people both emotionally and financially during times of unexpected losses. You are able to get many different kinds of homeowners insurance policies through Western Mutual. They cover owner-occupied homes, condos, landlord-owned properties, and seasonal homes. Flood and earthquake policies are also offered.
The insurance carrier is part of an insurance group known as Western Mutual Insurance Group. This is the parent company to other carriers, Residence Mutual Insurance Company, and Arizona Home Insurance Company. Each of these carriers is known for offering great homeowners insurance products for a wide range of different living situations. Another benefit that you will experience when you choose Western Mutual is that they are backed by well-known reinsurers. Lloyd’s of London and Maiden Holdings are two of them. This creates a sense of stability and sustainability in the long run.
Western Mutual hopes to keep its customers informed during the insurance-buying process. They run a blog that is posted regularly on their website that details many different helpful topics. There are articles about creating a home maintenance checklist to stay on top of necessary repairs and preventative measures, as well as how to create a home fire escape plan. This kind of information is helpful because it can prevent losses from occurring.
Western Mutual homeowners insurance coverages
There are several standard coverages that come with a Western Mutual home insurance policy. You will receive protection for your dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others. Some of the perils that are covered are listed on the Western Mutual website. These include fire and smoke damage, water damage, theft, cyclone/wind/storm damage, hail and lightning, and broken glass/vandalism.
It appears to be very easy to obtain a quote from Western Mutual for your home. They offer an online quoting tool that is advertised to take only 30 seconds. You can input all of your information to put together a custom policy to best protect your home. The company also suggests talking to an agent if you would like someone to walk you through the quoting process.
Additional coverages
Western Mutual offers a few additional coverages you can choose to add to your homeowners insurance policy. When going through a quote, you will be asked if you want to include the following:
- Water Backup Coverage
- Unscheduled Jewelry Coverage
- Identity Fraud Coverage
While there are not many options, Western Mutual does offer these useful coverages to further protect your home and personal belongings. Their quoting process appears to be very simple and straightforward, mainly focusing on the basic coverages you can expect when you are shopping for homeowners insurance.
Western Mutual home insurance discounts
Western Mutual advertises two different discounts that you can ask about while you are getting a homeowners insurance quote. These two discounts can help you save money on your homeowners insurance policy. One comes from having A local/monitored home security system. The other is from having a qualified Wi-Fi water device to prevent fires. The latter will provide you with a 10%-15% discount on your policy. It is uncertain if the carrier offers any other discounts, but it is worthwhile to ask if you start working with an agent on a quote.
Western Mutual homeowners insurance premiums
Figuring out what your premium will be when you choose Western Mutual for home insurance all depends on the coverages you select. There is no information readily available on what the average price of home insurance costs. On the Western Mutual website, they advertise that they are able to help customers save an average of $749 when they switch over from another home insurance carrier. They place a big emphasis on getting customers to leave their current carriers and obtain a policy through Western Mutual.
Checking online reviews, we found several customers praising Western Mutual for affordable homeowners insurance premiums. Some have stated that their rates cannot be beaten by others. Others have mentioned that they compared quotes from multiple insurers and Western Mutual was the cheapest.
Claims experience
Filing a claim through Western Mutual can prove to be a positive experience. Many customers have reported that they were able to get the help they needed in a timely manner when they needed to file claims. A lot of people state that Western Mutual is very fast to get a claims adjuster out to the home after filing a claim. This helps the process move along quickly so homeowners can get back to their lives very easily. It appears that most people recommend the carrier.
When working with an insurance carrier, it is important to take a look at how they handle claims. Even though you do not anticipate needing to file one, it is great to know that they have a good reputation in this department. It appears you will likely be able to get all the help you need if you were to file a claim with Western Mutual.
Western Mutual gets 5 out of 5 stars for claims.
Customer Service
The reviews regarding Western Mutual’s customer service are also very positive. Many people who have been with the company for several years state the service is friendly and helpful. They are able to take care of all policy inquiries efficiently, and they seem to have no trouble when it comes to working with the Western Mutual agents.
On the NAIC website, it is apparent that Western Mutual works hard to keep up with their positive customer service reputation. They hold a score of 0.11 for customer complaints in 2022. The national average is 1.0, meaning Western Mutual is far better. There was only one complaint pertaining to homeowners insurance in 2022.
Western Mutual gets 5 out of 5 stars for customer service.
Financial Strength
BBB
Western Mutual has been accredited with the Better Business Bureau since May 1998. They currently hold an A+ rating pertaining to financial stability, which is the highest rating that can be earned.
AM Best
On AM Best, Western Mutual currently holds an A rating. This is considered a great rating and shows the company has a stable outlook for the future regarding its finances.
The verdict
Western Mutual is a great choice if you are looking for standard homeowners insurance. If you live in a coverage area, you can get a great policy at a decent rate. The carrier puts an emphasis on how it will help you switch over from your current carrier, so this is always an option if you already have coverage in place. It appears that Western Mutual wants customers to remain loyal for years to come and is willing to work hard to keep them happy.
Existing customers seem happy with the service they are provided. A lot of people state that Western Mutual is very quick and efficient with communication. They are able to handle claims of all types with ease and are staffed with friendly and helpful agents to assist you with all of your other needs. They are also financially stable as a company, which means they have a good future outlook.
Western Mutual is lacking in two areas. When it comes to discounts provided and additional coverage offered, you are likely not going to have many options. Depending on your priorities, this is something to keep in mind. Otherwise, Western Mutual is a great choice for homeowners insurance.
