Barnstable County Mutual Insurance Company Review

The pros, cons, and reviews are in

Barnstable County Mutual Insurance at a Glance

  • Barnstable County Mutual Insurance, also known as The Barnstable, sells homeowners, renters, and personal liability insurance exclusively through twenty-six independent agents on Cape Cod, Martha’s Vineyard, and the South Coast of Massachusetts
  • Rated A (Excellent) by AM Best
  • Rated A+ by the BBB

The Barnstable pros: Boutique writer focused on writing homeowners insurance on Cape Cod and the surrounding coastal counties through well-established relationships with independent agents. Carves out a niche market providing products with superior customer and claim services. The company offers an online find an agent tool to connect customers with local agents.

The Barnstable cons: Geographic and product concentrations limit The Barnstable’s scope of operations. The company is not accredited by the BBB, and customer satisfaction reviews are non-existent, making it difficult to evaluate the company’s customer service performance.

What Type of Insurance Does The Barnstable Offer?

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.

  • Homeowners insurance
  • Renters insurance
  • Condo owners insurance
  • Personal umbrella insurance
  • Rental property insurance

To find out more about The Barnstable’s insurance offerings, contact a local independent insurance agent.

Using our insurance company directory can help you find the best insurance companies that specialize in your specific coverage needs. The company directory can also help you get connected to an agent near you.

What to Know about The Barnstable

The Barnstable started in 1833 when a group of Cape Codders, intent on protecting their community, pooled resources and 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.

As a mutual insurance company, The Barnstable is owned by its policyholders. The elected representatives of the policyholders are the directors, who play a significant role in the affairs of the Company. They serve as trustees for the other policyholders and as the company’s representatives in their communities. The directors also vote on and select company management.

The Barnstable is rated A (Excellent) by AM Best. AM Best is a credit rating firm that assesses the creditworthiness of and/or reports on over 16,000 insurance companies worldwide. The AM Best rating points to the insurance company’s ability to pay claims, debts, and other financial obligations in a timely manner. Customers can expect that The Barnstable has the necessary cash reserves to pay out claims, an essential factor in evaluating any insurance company before purchasing a policy.

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 that might 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 what to know about the carrier’s customer service options.

  • Online fillable service form with one business day response
  • Online policyholder portal for reviewing coverage, filing claims, and paying bills
  • Find an agent tool to receive personal service from a local independent insurance agent
  • Phone service is available with the following hours restrictions


Hours (EST)


Monday-Friday8:00 am - 4:00 pm

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.

The Barnstable FAQ

What is The Barnstable’s average claims response time frame?

The Barnstable does not publish an average claims response time.

What is The Barnstable’s customer service availability?

The Barnstable encourages customers to get service via their independent insurance agents. The company offers customer service by phone and email as well. There is also a newly updated Policyholder Portal. The portal 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.

What is The Barnstable’s claims process?

The Barnstable provides an online fillable 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.

Does The Barnstable create a user-friendly experience for customers?

The Barnstable has a pleasant and easy to navigate website with limited information about product specifics. Current and prospective customers are encouraged to get information, quotes, and general customer service by contacting a local independent insurance agent that works with the carrier.

There is also a newly updated Policyholder Portal. The portal makes it easy for customers to perform a number of insurance-related tasks such as paying bills, reviewing coverage, and filing claims.

Does The Barnstable have good homeowners insurance?

The Barnstable does not publish details about its homeowners insurance or other product offerings. The company does, however, appear to provide a positive experience for its customers.

Is Barnstable a good insurance company?

The Barnstable has well over a century of experience in the home and dwelling insurance business, and expertise in the local area that it serves. It has received high ratings from AM Best and the BBB. There are not a lot of customer reviews to be found, but those that exist are both positive and negative. Overall, however, The Barnstable can be considered a good insurance company.

The Barnstable Customer Reviews

Clearsurance
“So many good things about this company. They are so good and helpful with anything you need at all. Love.”


Clearsurance
“So far so good, and they are very accommodating in all my queries. I would definitely recommend the insurance company to all my friends.”


TrustedChoice.com's Final Review

We award The Barnstable a final rating of 3 out of 5 stars. To begin with, the carrier has a long history in the home insurance industry, and it’s truly an expert in insuring the properties in Cape Cod and the surrounding areas. Its high ratings from AM Best and the BBB speak to its financial strength, one of the most important factors in choosing any insurance company.

Customer satisfaction reports are hard to find, but those that are available are mostly positive. The Barnstable works with independent insurance agents, which makes getting personal service and advice easier. If you live in the company’s service area, we recommend finding out more about the carrier with the help of a local independent insurance agent.

You can also use our exclusive company directory to find the best insurance companies to meet your needs. The directory helps you locate companies that specialize in your specific coverage needs and get connected to an agent near you.

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https://www.thebarnstable.com

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