Brethren Mutual Insurance Company Review

We've looked at over 1,000 insurance companies rating them on strength, accessibility, and service to find the best ones. Here's what people think about Brethren Mutual Insurance Company.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.


Brethren Mutual Insurance Company at a Glance

  • Founded in 1897
  • Coverage offered in MD, VA, DE, PA, and DC
  • Offers both personal and commercial coverages
  • Rated "A-" (excellent) by AM Best
  • Rated "A+" (excellent) by the Better Business Bureau (BBB)

BMIC pros: Long-standing carrier with more than a century's worth of experience in the industry. Offers several commercial and personal products. High ratings by AM Best and the BBB. Positive customer feedback.

BMIC cons: Not BBB accredited. Coverage only offered in a couple of states. Official website could use more detail.

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.

What Type of Insurance Does Brethren Mutual Insurance Company Offer?

Here's an overview of the products offered by Brethren Mutual Insurance Company.

  • Homeowners insurance
  • Mobile home insurance
  • Renters insurance
  • Auto insurance
  • Umbrella insurance
  • Farm insurance
  • Farm auto insurance
  • Businessowners policy
  • Commercial auto insurance
  • Workers' comp
  • Commercial umbrella insurance

This list of products offered by Brethren Mutual Insurance Company is not exhaustive. Your independent insurance agent can help you find more information about the coverages offered by BMIC, and help you decide if this insurance company is right for you.

What to Know about Brethren Mutual Insurance Company

Brethren Mutual Insurance Company was founded in 1897, giving the carrier well over a century's worth of experience in the insurance industry. The insurance company's headquarters is in Hagerstown, MD. At their foundation, BMIC wanted to offer products to protect local farmers and residents' personal belongings. Today, the insurance company has grown to offer products for businesses, farms, and personal needs.

BMIC now offers its coverage across Maryland, Pennsylvania, Virginia, Delaware, and DC. The carrier's LinkedIn network shows 85 employees. BMIC is represented by more than 250 independent insurance agencies. The insurance company focuses on its policyholders, and vows to always be "owned" by them.

Thanks to its expanded coverage catalogue and dedication to its policyholders, Brethren Mutual Insurance Company has earned itself a reputation as a stable insurance company. AM Best gives Brethren Mutual Insurance Company an overall “A-” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from AM Best assure customers that Brethren Mutual Insurance Company offers guaranteed coverage.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 

What Discounts Does Brethren Mutual Insurance Company Offer?

Brethren Mutual Insurance Company does not make information about its specific discounts readily available. However, an independent insurance agent can help find these details for you. Independent insurance agents work hard to find you the most affordable coverage that still gets the job done right.


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Brethren Mutual Insurance Company Customer Service

Here's a breakdown of Brethren Mutual Insurance Company's customer service options and availability.

  • Phone contact option
  • After-hours and weekends claims reporting phone contact option

Hours (EST)

Monday-Friday 8 am - 4:30 pm

Saturday 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.

Brethren Mutual Insurance Company FAQ

What is BMIC's average claim response time frame?

BMIC promises to contact customers by the next business day after a claim is reported.

What is BMIC's customer service availability?

BMIC has regular business phone contact hours during the week, but also provides an after-hours and weekends claims reporting phoneline.

What is BMIC's claims process?

BMIC's official website states the carrier's claims process as follows.

"Once your claim has been reported to Brethren Mutual, you can expect to receive a phone call from the adjuster assigned to your claim by the next business day. Your Brethren Mutual adjuster will walk you through the claims process and answer all of your questions."

Does BMIC create a user-friendly experience for customers?

BMIC could benefit from adding more contact options for its customers, such as online claims reporting. However, the after-hours claims reporting department is certainly a nice perk. The official website could also benefit from having more details about their coverage and claims process, rather than instructing customers to contact their adjuster for further information.

Does BMIC have good farm insurance?

BMIC offers quite a few insurance products today, but its original mission focused on farm products and solutions. The carrier offers the following farm insurance products.

  • Farm package policy
  • Farm auto insurance
  • Farm workers' compensation
  • Farm umbrella insurance

An independent insurance agent can help you find out more information regarding BMIC's farm insurance offerings, as well as their many other products.

Is BMIC a good insurance company?

With strong financial ratings from AM Best and the BBB and a wide selection of products offered, BMIC can arguably be considered a good insurance company. There seem to be several positive customer reviews to back this up, as well.

Brethren Mutual Insurance Company Customer Reviews

5 Stars
I can not tell you how awesome of an experience we have had with Brethren Insurance Co. They have not failed us in the 30 years we have had them so far, they have promptly evaluated and fixed our vehicles when needed, not that we have needed it that much, but a couple of broken windshields and my husband's truck being hit in the grocery store parking lot, but no issues with fixing and taking care of us.

5 Stars
Very good insurance. Always answer and questions you have and if they don't have the answer, they find it.

Very reliable company. They are very reasonable with their prices. customer service is service based.

5 Stars
I've had Brethren Mutual for 2 years now and I have no complaints. My insurance is top quality with a policy of $100,000/$300,000 full coverage, full tort option for $90.00 a month. I don't believe I could get that type of policy through any other company.

I would not recommend this company at all. Please beware that they do not communicate effectively or assist when you need them the most. They have been happily cashing my checks for the last 20 years, but will not provide any information now that I have filed a claim. We had a pipe burst 42 days ago and they have still not provided me with any information about the status of my claim.'s Final Review

We award Brethren Mutual Insurance Company a final rating of 3 out of 5 stars. The carrier has been around in the insurance industry for nearly a century and a quarter now, which is certainly noteworthy and impressive. Further, BMIC has high ratings from both AM Best and the BBB.

BMIC provides after-hours claims reporting for its customers by phone, but the carrier could benefit from other contact medium options, and more details about its coverage on the official website. Coverage is also only offered in a couple of states at the present time. Overall, we do recommend looking into Brethren Mutual Insurance Company with your independent insurance agent if you're in the area.

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