Ohio Mutual Insurance Review & Ratings (2024)

Shopping locally is one of the best ways to support your community. Did you know that you can shop locally for your insurance needs too?

Working with local insurance companies can be more expensive, but it is rewarding if you have the resources. Ohio Mutual Insurance Group is a community-oriented insurance option available to residents of seven states in the Midwest and New England.

Ohio Mutual Insurance might be an option if you live in one of the covered states. Suppose Ohio Mutual Insurance is unavailable in your area and you are looking for the cheapest rates. In that case, this company probably isn’t for you.

New Link Destination find affordable rates on the coverage you need, you should compare quotes from the nation’s top insurance companies.

What is Ohio Mutual Insurance Group?

The Ohio Mutual Insurance Group is a comprehensive insurance company available in the Midwest and New England. It is a mutual insurance company, meaning that the policyholders are its owners. You can think of it as similar to a co-op, but for insurance services.

Ohio Mutual Insurance is well-received by its customers and is only available in seven states. They offer several insurance policies, but its small size somewhat limits the availability of add-ons and discounts.

You can easily pay your bill when you log in to your Ohio Mutual Insurance account and use additional features such as: setup and manage autopay, manage payments methods, view billing and policy documents, and report a claim.

If you want to purchase your insurance coverage from a local company involved with the community, Ohio Mutual Insurance Group might be a great choice.

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What is the history of Ohio Mutual Insurance Group?

Ohio Mutual Insurance Group has been around since the turn of the century, founded in 1901 in Ohio. Established as the Ohio Mutual New Link Destination rnado, Cyclone, and Windstorm Insurance Association, this company has protected Ohioans for over 120 years.

As evidenced by their original name, Ohio Mutual Insurance has insured its policyholders from natural disasters for over a century. Initially, it only offered property insurance, but now its catalog of insurance policies is more extensive. Due to its long history of satisfied customers, you can rest assured that Ohio Mutual Insurance Group is a legitimate insurance company.

In 2010, Ohio Mutual Insurance Group acquired the Maine-based Casco Indemnity company, allowing them to expand their offerings to additional states outside of the Midwest. It now provides insurance in seven states across the Midwest and Northeast.

Where is Ohio Mutual Insurance available?

Ohio Mutual Insurance Group currently operates in seven Midwestern and Eastern states. Insurance policies differ based on state, so be sure to research which coverage options are available in your area.

Ohio Mutual Insurance is available in the following seven states:

• Connecticut
• Indiana
• Maine
• New Hampshire
• Ohio
• Rhode Island
• Vermont

Ohio Mutual Insurance has two main offices: its primary office in Bucyrus, Ohio, and its satellite office in Saco, Maine. Aside from these offices, Ohio Mutual Insurance Group has field offices in all its available states.

This insurance company works with independent insurance agents and brokers. When you purchase a policy from Ohio Mutual Insurance Group, you will consult with an independent agent knowledgeable in the available coverage options.

What insurance coverages does Ohio Mutual Insurance offer?

Ohio Mutual Insurance Group provides different insurance options across the United States. If you live in Ohio, you can purchase comprehensive coverage for most aspects of your life.

Insurance policies include:

• Auto insurance. Auto insurance is available in all seven covered states, but the specific policies vary based on location.
• Business insurance. If you live in any of the seven states where this company operates, you can purchase business insurance from Ohio Mutual Insurance Group.
• Homeowners insurance. Homeowners insurance is available through Ohio Mutual Insurance Group in Connecticut, Indiana, Maine, New Hampshire, Ohio, and Vermont. Homeowners insurance is currently unavailable in Rhode Island, but you can purchase renters or condo insurance there.
• Renters insurance. Ohio Mutual Insurance Group provides renters insurance in all seven states where the company currently operates.
• Farm insurance. Ohio Mutual Insurance Group only offers farm insurance in Ohio and Indiana. If you don’t live in either state, you will not be eligible for farm insurance through Ohio Mutual Insurance.

For other states, these offerings may differ.

Individual policies and coverage options vary significantly across states. You can get additional insight from their website, but you will need to contact an agent to discover availability in your area.

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Navigating Ohio Mutual Insurance Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Ohio Mutual Insurance Group offers a convenient and user-friendly claims process for its policyholders. Customers have the option to file a claim through multiple channels, including online, over the phone, and through their mobile app. This flexibility ensures that policyholders can choose the method that best suits their preferences and needs.

Average Claim Processing Time

The average claim processing time with Ohio Mutual Insurance Group is known for its efficiency. Policyholders can expect their claims to be handled promptly, allowing for quicker resolution and faster payouts. This swift processing time contributes to the overall satisfaction of customers who rely on Ohio Mutual for their insurance needs.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback regarding claim resolutions and payouts with Ohio Mutual Insurance Group has been largely positive. Policyholders appreciate the company’s commitment to addressing claims fairly and promptly. The company’s dedication to customer satisfaction is evident in the positive reviews and testimonials from individuals who have experienced smooth and hassle-free claim settlements.

Unveiling Ohio Mutual Insurance Digital and Technological Advancements

Mobile App Features and Functionality

Ohio Mutual Insurance Group offers a feature-rich mobile app that enhances the overall customer experience. The app provides policyholders with the ability to manage their insurance policies on the go.

It includes features such as bill payment, setting up and managing autopay, updating payment methods, viewing billing and policy documents, and reporting a claim conveniently from their mobile devices. The user-friendly interface and robust functionality of the mobile app make it a valuable tool for policyholders.

Online Account Management Capabilities

Ohio Mutual Insurance Group’s online account management capabilities are designed to empower policyholders with easy access to their policy information. Through the online portal, customers can manage their policies, view important documents, make payments, and track claims. The online platform is user-friendly, providing a seamless experience for those who prefer managing their insurance accounts digitally.

Digital Tools and Resources

In addition to the mobile app and online account management, Ohio Mutual Insurance Group offers a range of digital tools and resources to support policyholders. These resources include educational materials, policyholder guides, and information on various insurance topics.

By providing these digital tools, Ohio Mutual ensures that its customers are well-informed and equipped to make informed decisions about their insurance coverage.

Ohio Mutual Insurance Reviews and Ratings

Ohio Mutual Insurance Group is well-received by customers. Having been in business for over a century, the mix of positive and negative reviews is a good indicator of its business practices. Consumers note that Ohio Mutual Insurance customer service is helpful and quick to respond to claims.

Ohio Mutual Insurance touts a 12-year-long accreditation and A+ rating from the Better Business Bureau. There are only two BBB reviews for Ohio Mutual, and both are negative. It is common for reviews on the Better Business Bureau website to be negative as these are usually customer complaints.

Ohio Mutual Insurance is an excellent option if you want to work with a local company. If you are looking for cheap rates, you will benefit from working with a national corporation.

According to the National Association of Insurance Commissioners, Ohio Mutual Insurance Group has an above-average complaint index. The complaint index indicates the number of complaints weighted by the company’s market share. Ohio Mutual Insurance has an index of 2.13 as of 2022. The national average is one, and anything above means the company has more complaints than what its market share should suggest.

This insurance company has maintained an excellent rating from A.M. Best since 2015. Its financial strength rating from A.M. Best is A, and its long-term issuer credit rating is A+.

Overall, Ohio Mutual Insurance Group has a trustworthy and robust presence. Its rates are high compared to the top national insurance companies. Ohio Mutual Insurance uses word-of-mouth to establish trust and maintain business. Ohio Mutual Insurance is an excellent option if you want to work with a local company. If you are looking for cheap rates, you will benefit from working with a national corporation.

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Is Ohio Mutual Insurance right for you?

Ohio Mutual Insurance Group is a policyholder-owned insurance company. This insurance option is available in seven states across the Midwest and Northeast, offering comprehensive insurance to cover most aspects of an individual’s life.

Ohio Mutual Insurance is not the cheapest option and is more suited for financially stable individuals who want to work with a local business. This company has excellent ratings from trusted authorities in the financial and insurance industry.

Maybe you live in a covered state and don’t mind spending a little extra to buy locally. In that case, Ohio Mutual Insurance Group is a great option for you. If you need to get the cheapest insurance rates, you should compare quotes from the leading insurance companies.

Case Studies: Ohio Mutual Insurance Coverage

Case Study 1: Protecting Your Home With Ohio Mutual Insurance

Sarah, a homeowner in Ohio, experienced significant damage to her house due to a severe storm. She had Ohio Mutual Insurance coverage for her home, and she filed a claim to repair the damages.

Ohio Mutual Insurance promptly processed Sarah’s claim and provided the necessary funds for repairs. Sarah was impressed by the quick response and support she received from the company during a challenging time.

Case Study 2: Comprehensive Auto Insurance Coverage With Ohio Mutual Insurance

John, a resident of Maine, was involved in a car accident that caused extensive damage to his vehicle. He had Ohio Mutual Insurance coverage for his car, which included collision and comprehensive insurance.

Ohio Mutual Insurance covered the cost of repairing John’s vehicle after the accident. John was grateful for the comprehensive coverage provided by the company, which alleviated the financial burden of the repairs.

Case Study 3: Ohio Mutual Insurance for Farm Owners

Michael and Emily, farmers in the Midwest, faced crop damage due to an unexpected hailstorm. They had Ohio Mutual Insurance coverage for their farm, including crop insurance.

Ohio Mutual Insurance assessed the damage to Michael and Emily’s crops and compensated them for the loss based on their crop insurance policy. The couple appreciated the support provided by the company, which helped them recover from the financial setback caused by the hailstorm.

Case Study 4: Renters Insurance Protection From Ohio Mutual Insurance

Lisa, a renter in one of the covered states, experienced a burglary in her apartment. She had Ohio Mutual Insurance coverage for her rental property, which included personal property protection.

Ohio Mutual Insurance reimbursed Lisa for the stolen items, easing the financial impact of the burglary. Lisa was satisfied with the quick response and efficient claims process provided by the company.

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