The Barnstable County Mutual Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Barnstable Mutual Insurance Company Score
1.5 Stars
We award The Barnstable Mutual Insurance Company a final rating of 1.5 out of 5 stars. The carrier is highly rated by AM Best, but it's not rated or accredited by the Better Business Bureau. It's also difficult to find any customer feedback about the insurance company.
The Barnstable started in 1833 when a group of Cape Codders created the Barnstable County Mutual Fire Insurance Company to provide fair, reliable, and sustainable fire insurance. Today, the carrier offers homeowners, renters, condo owners, rental property, and personal umbrella insurance exclusively through carefully selected independent insurance agents on Cape Cod, Martha’s Vineyard, and the South Coast of Massachusetts.
The carrier's official website provides virtually no specific details about its coverages, claims process, or discounts. Combined with the lack of customer feedback, it's difficult for us to suggest looking into this insurance company. Instead, we recommend working together with a local independent insurance agent to survey your other options for a new trusted carrier, and skip The Barnstable.
The Barnstable 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.
The Barnstable Insurance Products by Type
The Barnstable offers several types of personal insurance policies for individuals on Cape Cod and surrounding coastal counties. The carrier’s product offerings include the following:
Home & Personal Property Insurance:
- Homeowners insurance
- Renters insurance
- Condo owners insurance
- Personal umbrella insurance
- Rental property insurance
The Barnstable Homeowners Insurance Average Prices
The Barnstable does not make its average home insurance rates readily available online without requesting a quote. However, an independent insurance agent can help you find specific quotes for the exact amount of home insurance you need and also compare quotes from multiple carriers for you. You can also get a better idea of how much a home insurance policy might cost you by using our homeowners insurance calculator.
What Discounts Does The Barnstable Offer?
The Barnstable does not publish any information about specific discounts that it offers. Typically, personal insurance carriers offer a variety of discounts, which may include the following:
- Multi-policy discount
- Security system discount
- Auto-pay discount
- Paid in full discount
- Claim-free discount
The Barnstable works with independent insurance agents, which means you can level up your discounts even more. Independent agents are industry experts who can help you find all of the discounts that you are eligible for.
The Barnstable Customer Service
The Barnstable has a decent reputation for customer service. Here's an overview of the carrier’s customer service options and availability.
- Phone
- Online contact form
- Online claims reporting
- Customer service phone department is available with the following hours restrictions:
| Day(s) | Hours (EST) | ||
| Monday-Friday | 8:00 a.m. - 4:00 p.m. | ||
| Saturday-Sunday | CLOSED |
The Barnstable encourages its customers to work with their independent insurance agents, who can provide even more personalized service. If you have questions or concerns about your policy, an independent agent can advocate on your behalf.
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The Barnstable Insurance FAQs
The Barnstable does not publish an average claims response time.
The Barnstable encourages customers to get service via their independent insurance agents. The company offers customer service by phone and online contact form. There is also a Policyholder Portal, which makes it easy for customers to perform a number of insurance-related tasks such as paying bills, reviewing coverage, and filing claims. Customers can also get help finding an independent insurance agent via the company’s online find-an-agent tool. The carrier's phone department for customer service is available at standard hours during the week.
The Barnstable provides an online form for claim submissions. For more personal service, it’s recommended that you contact your independent insurance agent if you need to file a claim.
The Barnstable's official website provides virtually no specific information about its coverage, claims process, or discounts. This could be off-putting for current and prospective customers alike. The carrier also does not advertise any social media accounts on its website. Overall, The Barnstable falls quite a bit behind other modern carriers in terms of user-friendliness.
The Barnstable does not publish details about its homeowners insurance or other product offerings. If you're interested in The Barnstable's home insurance policies, an independent insurance agent can get more information for you.
The Barnstable has nearly two centuries' worth of experience in the home and dwelling insurance business, and expertise in the local area that it serves. But while the carrier has an excellent rating by AM Best, it's not rated or accredited by the BBB. It's also difficult to find customer feedback about the carrier. Further, the official website lacks any specific coverage details. So overall, we're hesitant to call The Barnstable a good insurance company at this time.
The Barnstable's insurance products may be right for individuals seeking various types of home and property insurance. Coverage is only available on Cape Cod and in surrounding coastal areas in Massachusetts.
https://www.thebarnstable.com
https://news.ambest.com/NewsContent.aspx?refnum=250714&altsrc=23
https://www.bbb.org/us/ma/yarmouth-port/profile/insurance-companies/barnstable-county-mutual-insurance-0021-59836