Hastings 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 Hastings Insurance Company Score
3 Stars
We award Hastings Insurance a final rating of three out of five stars. To begin with, the insurance company has been around for well over a century now, and its high ratings through the Better Business Bureau and AM Best certainly reflect that. The carrier also has far fewer customer complaints than expected, given its extensive history in the industry.
Hastings Mutual Insurance Company was founded in 1885, originally under the name “The Windstorm Company.” The carrier, which now goes by Hastings Insurance, was first created in Hastings, Michigan, with a mission to bring windstorm coverage to residents, following a series of catastrophic tornadoes in the area.
Today, the insurance company has more than 600 agencies across Michigan, Wisconsin, Illinois, Indiana, and Ohio. The carrier has also expanded its coverage offerings to include protection for individuals, businesses, and farmers. Hastings Insurance’s official website could use a bit more detail about things like the carrier’s claims process, but it does provide online claims reporting.
However, the carrier loses a couple of points for not offering 24/7 claims reporting like many insurance companies today. Customer feedback is somewhat mixed, as can be expected of an insurance company that’s been around for so long. Overall, we say that if you’re located in an area where coverage is available, go ahead and check out Hastings Insurance with your independent insurance agent, but make sure to survey your other options for trusted carriers, too.
Hastings Insurance Pros and Cons:
| Pros: | Cons: | ||||
|---|---|---|---|---|---|
|
|
||||
|
|
||||
|
|
||||
|
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.
Hastings Insurance Products by Type
Hastings Insurance offers a wide range of coverage options for individuals and businesses. The carrier's products include:
Business Insurance:
- Commercial vehicle insurance
- Workers' comp insurance
- Manufacturers and wineries insurance
- Construction and contracting businesses insurance
- Retail and service business insurance
Personal Insurance:
- Homeowners insurance
- Auto insurance
- Personal liability insurance
Farm Insurance:
- Farm liability insurance
Hastings Insurance Auto Insurance
Hastings Insurance states that it offers all the basic types of car insurance, including property damage liability, bodily injury liability, collision, and medical payments coverage. The carrier also offers a few coverage enhancements and additional options for extra protection.
Coverage types, features, and benefits:
Rental car
Hastings Insurance can provide coverage to reimburse you for the cost of a rental car while your vehicle is in the shop.
Roadside assistance
Hastings Insurance can provide roadside assistance coverage to reimburse you for the cost of professional towing, jump starts, and other services if your car breaks down on the road.
Hastings Insurance Car Insurance Average Prices
Hastings Insurance does not make its average car 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 car insurance you need and also compare quotes from multiple carriers for you. You can get a better idea of how much an auto insurance policy might cost you by using our car insurance calculator.
Hastings Insurance Homeowners Insurance
Hastings Insurance offers coverage for your home's structure or dwelling, as well as your personal property and valuables stored inside. The carrier also offers a few optional coverage enhancements for increased protection.
Coverage types, features, and benefits:
Utility line
Hastings Insurance's optional utility line coverage can reimburse you for repairs or replacements to several of your home's utility lines, including electrical, sewer, and water. Covered losses include natural disasters, accidents, and typical wear and tear.
Mechanical breakdown
Hastings Insurance's optional mechanical breakdown coverage can reimburse you for damage or destruction to critical home systems, including air conditioning, major appliances (e.g., refrigerators and dishwashers), and furnaces.
Leisure sports equipment
Hastings Insurance's optional leisure sports equipment coverage can reimburse you for loss, damage, or theft of your valuable sports gear.
Hastings Insurance Home Insurance Average Prices
Hastings Insurance 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 get a better idea of how much a homeowners insurance policy might cost you by using our home insurance calculator.
What Discounts Does Hastings Insurance Offer?
Hastings Insurance only explicitly mentions one type of discount on its coverage.
- Bundling discount: Offered to customers who bundle their home and auto policies together through Hastings.
Your independent insurance agent can help you find further information on discounts offered by Hastings Insurance and other ways to save through the insurance company, helping you to find the coverage you need at the rate you deserve.
Hastings Insurance Customer Service
Hastings Insurance encourages customers to file claims through their independent insurance agents. The carrier also provides the following customer service options:
- Phone
- Fax
- Snail mail
- Phone claims reporting
- Online claims reporting
The phone customer service department has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 8 am-4:30 pm | ||
| Saturday-Sunday | CLOSED |
The best way to ensure a smooth customer service experience is to work with an independent insurance agent. Independent insurance agents can help make customer service easier for you by handling claims and other concerns.
Find The Right Company Today.
Shopping for a company? We have the right one for you.
Hastings Insurance FAQs
Hastings Insurance allows customers to file claims through a couple of mediums. However, the carrier does not have an official claims response time frame promise.
Hastings Insurance’s claims reporting hotline is available during restricted hours during the week, or customers can report a claim online, via email, or regular mail at any time. The customer service hotline is also available during restricted hours, Monday-Friday. The carrier also has a social media presence on Facebook, Instagram, X, and LinkedIn, making it more accessible to customers.
Hastings Insurance provides just a couple of contact options for customers to file claims. The insurance company also does not provide much information about its claims process, beyond how to file. If customers have questions about the claims process, they can call or email the carrier or get in touch with their independent insurance agent.
Hastings Insurance’s official website is easy to navigate. The insurance company does not provide much information about its claims process, though, and does not provide a claims response time frame promise. The carrier does not provide 24/7 claims reporting via phone, but does offer online claims reporting. Hastings Insurance has a social media presence on multiple platforms, however. Overall, Hastings Insurance provides a fairly user-friendly experience.
Hastings Insurance offers several coverage options for individuals and businesses, and even for farmers. The carrier's farm insurance policies include the following coverages:
- Farm equipment
- Farm liability
- Farm property
Your independent insurance agent can help you find out more about Hastings Insurance’s farm insurance and optional enhancements, as well as its other products.
Hastings Insurance has well over a century’s worth of experience in the insurance industry and is highly rated by the BBB and AM Best. The carrier is BBB-accredited and only has a few complaints filed through the organization in recent years, which is well below the average volume for such an established company.
Hastings Insurance offers online claims reporting, but not 24/7 claims reporting. Customer feedback is somewhat mixed, however. Overall, Hastings Insurance can be considered a good insurance carrier.
Hastings Insurance's products may be right for individuals, professionals, or farmers located in Illinois, Indiana, Michigan, Ohio, and Wisconsin, where coverage is available. The carrier offers several personal, commercial, and farm insurance policies.
https://hastingsinsurance.com/
https://news.ambest.com/newscontent.aspx?refnum=170404
https://www.bbb.org/us/mi/hastings/profile/insurance-companies/hastings-insurance-company-0372-12002242