Austin Mutual Insurance Company Review 2025
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Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Our Austin Mutual Insurance Score
3.5 Stars
We award Austin Mutual Insurance Company a final rating of 3.5 out of 5 stars. Austin Mutual Insurance Company is part of Main Street America Insurance Company, which was founded in 1923. Austin Mutual offers personal and business insurance products and sells its coverage in 19 states through the Midwest and Western regions of the U.S. Austin Mutual began writing insurance policies long before it was acquired by its parent company, starting in 1896.
Austin Mutual offers several products for individuals and businesses. Its catalog includes home and auto insurance, along with commercial and personal umbrella insurance, business owners package insurance, workers' comp, and more.
Austin Mutual has an excellent rating by AM Best and many glowing customer reviews. The insurance company works exclusively with independent insurance agents and has a network of 850 local independent insurance agencies.
However, the fact that Austin Mutual's website was recently merged with its parent company's website may cause some confusion for policyholders. It's also difficult to find specific discounts or coverage information from Austin Mutual without contacting an agent. With all of this considered, we still recommend looking into Austin Mutual Insurance Company with your independent insurance agent as one of your options to be your next trusted carrier.
Austin Mutual Insurance Company Pros and Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Austin Mutual Insurance Products by Type
Austin Mutual offers several coverage options for personal and commercial insurance customers. Its catalog includes the following insurance products:
Home & Property Insurance:
- Homeowners insurance
- Mobile home insurance
- Dwelling fire insurance
- Personal umbrella insurance
Vehicle & Auto Insurance:
- Personal auto insurance
- Commercial auto insurance
Business Insurance:
- Business owners package insurance
- Workers' compensation insurance
- Commercial umbrella insurance
Austin Mutual Homeowners Insurance
Austin Mutual provides home insurance with all the standard coverage included, such as contents, dwelling, loss of use, and liability coverage. Protection for additional structures is included, as well.
Austin Mutual also offers optional coverage enhancements to protect your valuables, service lines, and equipment. Additional coverage enhancements are also available, including the following.
Coverage types, features, and benefits:
Home business property
Austin Mutual allows customers to add coverage for home-based business property or property used for business purposes that is stored at the home.
Flood
Austin Mutual provides optional flood coverage to protect your home and personal belongings against damage or destruction from natural water sources, such as tsunamis, heavy rainfall, and melting snow.
Water backup and overflow
Austin Mutual offers home insurance endorsements to protect against damage or destruction to your home and belongings from sewer or other water backup and overflow.
Austin Mutual Homeowners Insurance Average Prices
Austin Mutual's parent company, Main Street America, doesn't readily provide its home insurance rates on the official website. Austin Mutual now shares the same website and contact page as Main Street America. Prospective customers can either contact the carrier directly or work with an independent insurance agent to get an exact quote.
What Discounts Does Austin Mutual Insurance Company Offer?
While you'll need to double-check with your independent insurance agent to verify Austin Mutual Insurance Company's specific discounts, its parent company, Main Street America, is known to offer the following discounts on car insurance:
- Loyalty discount: Offered to customers who stay with Main Street America for a set number of years or more.
- Accident-free discount: Offered to MSA auto insurance customers who remain accident-free for at least a year.
- Violation-free discount: Offered to MSA auto insurance customers who remain ticket and violation-free for at least one year.
- Pay-in-full discount: Offered to customers who pay their entire annual premium upfront in one lump sum.
- Multi-policy discount: Offered to customers who purchase more than one type of coverage through Main Street America.
- Multi-vehicle discount: Offered to customers who insure more than one vehicle with MSA.
- Defensive driver course discount: Offered to MSA auto insurance customers who complete a state-approved defensive driver course.
- New home discount: Offered to MSA customers who insure a new home.
- Loss-free discount: Offered to MSA home insurance customers who remain claim-free for at least a year.
- Alarm and safety equipment discount: Offered to MSA home insurance customers whose homes are equipped with burglar alarms, security cameras, and/or other safety equipment.
- Good student discount: Offered to MSA auto insurance customers who have a student who maintains a certain GPA.
- Auto safety equipment discount: Offered to MSA auto insurance customers whose vehicles are equipped with various kinds of safety equipment.
- New roof discount: Offered to MSA home insurance customers who replace or update their home's roof.
An independent insurance agent can help you find more information about further discounts and additional ways to save with Austin Mutual, as well as provide you with quotes and help answer any other questions you may have.
Austin Mutual Insurance Company Customer Service
Here's a breakdown of Austin Mutual's customer service options and availability:
- 24/7 phone claims reporting
- Online claims reporting
- Online bill pay
- Snail mail
- Customer service phone department has the following hour restrictions:
| Days | Hours (ET) | ||
| Monday-Friday | 8 a.m. - 4 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
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Austin Mutual Insurance Company FAQs
Austin Mutual offers 24/7 claims reporting via phone or online. The carrier’s official website states that it will contact the customer within three business days of filing a claim.
Austin Mutual allows 24/7 claims reporting and has general inquiry phone availability Monday-Friday during typical business hours. Its parent company, Main Street America, also has an extensive social media presence on Facebook, X, Instagram, YouTube, and LinkedIn, which makes it highly accessible to customers.
Austin Mutual does not provide much information about its claims process, beyond how to file. An independent insurance agent, however, can walk you through every step of the claims process, and even file claims for you directly through the carrier.
Austin Mutual's website was recently merged with the website of its parent company, Main Street America. The website is polished and easy to navigate. The insurance company offers several modern customer service options, such as 24/7 phone and online claims reporting.
While Main Street America provides a highly user-friendly experience for customers, Austin Mutual policyholders may experience some confusion when first trying to locate the website or contact info for the carrier.
Austin Mutual's homeowners insurance covers the following:
- Dwelling property
- Other structures
- Personal property (contents)
- Loss of use
- Personal liability
- Personal injury coverage
- Medical payments to others
Several optional endorsements are also available, including those for identity theft and increased valuables coverage. An independent insurance agent can help you find out more about Austin Mutual's home insurance, as well as its many other products.
With 24/7 claims reporting, a good selection of insurance products offered, and a high rating through AM Best, Austin Mutual can be considered a good insurance company. Its parent company, Main Street America, is also an excellent carrier.
Customers looking for personal or business coverage who are located in the Midwest or Western states may find the coverage they're looking for from Austin Mutual Insurance Company.
https://msainsurance.com/
https://www.grenfellins.com/insurance-company/austin-mutual-insurance-company
https://www.bbb.org/us/mn/maple-grove/profile/insurance-companies/austin-mutual-insurance-company-0704-19951
https://news.ambest.com/newscontent.aspx?refnum=162447&altsrc=23