Germantown 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 Germantown Mutual Insurance Company.

Germantown Mutual Insurance Company at a Glance

  • Founded in 1854
  • Offers several types of insurance
  • Rated "A" (excellent) by AM Best
  • Rated "A+" (excellent) by the Better Business Bureau (BBB)
  • 24-hour claims reporting

Germantown Mutual pros: Extremely longstanding history in the insurance industry. High ratings through AM Best and the BBB. Several forms of coverage available. 24-hour phone claims reporting.

Germantown Mutual cons: Not accredited by the BBB. Some mixed customer feedback. Difficult to find information about coverages, claims process, etc.

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 Germantown Mutual Offer?

Here's an overview of the products offered by Germantown Mutual.

  • Homeowners insurance
  • Condo insurance
  • Renters insurance
  • Auto insurance
  • Business insurance
  • Farm insurance

Your independent insurance agent can help you find more information about the coverages offered by Germantown Mutual, and help you decide if this insurance company is right for you.

What to Know about Germantown Mutual Insurance Company

Founded in 1854, Germantown Mutual Insurance Company has been around for more than a century and a half in the insurance industry. The carrier offers several products for individuals and businesses, including home insurance, auto insurance, and farm owners insurance. They're headquartered in Germantown, WI.

According to their official website, Germantown Mutual had $63 million in written premium in 2019. Their LinkedIn profile states that the insurance company has 41 employees. Germantown Mutual is a publicly traded company.

Thanks to their extensive history in the industry, Germantown Mutual Insurance Company has earned a reputation over time as a reputable and financially sound insurance company. AM Best gives Germantown Mutual  an overall “A” rating, indicating the carrier is an excellent choice.

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. 

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What Discounts Does Germantown Mutual Offer?

Germantown Mutual's official website states that several discounts are available on multiple types of coverage they offer, but does not provide specific details about them. However, an independent insurance agent can help you find this information. Independent insurance agents work hard to get you any and all insurance discounts you may qualify for.

Germantown Mutual Customer Service

Here's an overview of Germantown Mutual's customer service options and availability:

  • Phone
  • Fax
  • Snail mail 
  • Email
  • 24-hour phone claims reporting
  • Customer service department hours not specified

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.

Germantown Mutual Insurance Company FAQ

What is Germantown Mutual's average claim response time frame?

Germantown Mutual does make a specific claims response time frame promise.

What is Germantown Mutual's customer service availability?

Germantown Mutual offers 24-hour claims reporting by phone, but their customer service phone department does not specify its business hours.

What is Germantown Mutual's claims process?

Germantown Mutual's official website does not detail its claims process. However, an independent insurance agent can file claims for you as well as keep you updated through every step of the claims process. 

Does Germantown Mutual create a user-friendly experience for customers?

Germantown Mutual's official website looks quite outdated. The pages could definitely benefit from adding more detail about their coverages, claims process, discounts, etc. 

Does Germantown Mutual have good farm owners insurance?

Germantown Mutual's official website does not provide much information about its coverages. The carrier does state that they offer flexible coverage that can be written in package format or in individual coverages. 

An independent insurance agent can help you find all the information you need about Germantown Mutual's farm owners insurance policies, and help you decide if their coverage is a good choice for you.

Is Germantown Mutual a good insurance company?

Germantown Mutual has received high ratings through AM Best and the BBB. However, they're not accredited by the BBB. Customer feedback is a bit mixed overall, which makes it difficult to definitively rule one way or the other if Germantown Mutual is a good insurance company.

Germantown Mutual Insurance Company Customer Reviews

Clearsurance
Premiums went up. Claims people are right in office in town..that's nice.


Clearsurance
It's very expensive and very hard to get ahold of them.


Clearsurance
I would love to change carriers.


Clearsurance
Premiums did go up, no accidents. But someone is always in office to talk to, that's nice.


Clearsurance
Filed a claim. They came right out and got the process going. Within a week my vehicle was fixed. Good company.


TrustedChoice.com's Final Review

We award Germantown Mutual Insurance Company a final rating of 3 out of 5 stars. The carrier has been around for more than a century and a half and has high ratings through AM Best and the BBB. They offer several important forms of coverage.

Germantown Mutual offers 24-hour claims reporting. Some of their customer feedback is mixed however, which causes us to recommend looking into them along with several other options for a trusted insurance company. Be sure to enlist the help of an independent insurance agent.

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