IMT Insurance Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
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.
IMT Insurance Final Score
Founded in 1884, IMT Insurance has been offering coverage for more than 130 years. The insurance company is headquartered in West Des Moines, Iowa, and offers coverage in six states, including Iowa, Illinois, Minnesota, Nebraska, South Dakota, and Wisconsin.
IMT Insurance offers personal and business insurance products, including auto insurance, homeowners insurance, boat insurance, commercial property insurance, general liability insurance, personal and commercial umbrella insurance, and more. Its products are sold exclusively through independent insurance agents to provide customers with the best overall experience possible.
Thanks to its extensive history and work with independent insurance agents, IMT Insurance has earned a reputation over time as a stable and reliable insurance company. AM Best gives IMT Insurance an overall “A” rating, indicating the carrier is an excellent choice for insurance customers.
We award IMT Insurance a final rating of 3.5 out of 5 stars. The carrier has a longstanding history of over a century and a quarter in the industry, and offers a good selection of personal and business insurance products. IMT is also highly rated by both AM Best and the Better Business Bureau (BBB).
We love that IMT works with independent insurance agents, and their customer reviews are mainly glowing. The carrier also provides a highly user-friendly experience with an excellent website and social media presence.
Overall, we highly recommend looking into IMT Insurance company with the help of your independent insurance agent to be your next trusted carrier, if you live in an area where coverage is available.
Key Takeaways
- Founded in 1884, IMT Insurance has been offering coverage for more than 130 years.
- Offers coverage in six states, including Iowa, Illinois, Minnesota, Nebraska, South Dakota, and Wisconsin.
- Its products are sold exclusively through independent insurance agents.
- Offers a good selection of personal and business insurance products.
- IMT is highly rated by both AM Best and the Better Business Bureau (BBB).
IMT 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.
IMT Insurance Products
Here's an overview of the products IMT Insurance offers.
Personal insurance products
- Auto insurance
- Mobile home and camper insurance
- Home insurance
- Condo insurance
- Renters insurance
- Landlord Insurance
- Power sports insurance
- Inland marine insurance
- Umbrella insurance
- Farm Insurance
Business insurance products
- Commercial auto insurance
- Businessowners insurance
- General liability insurance
- Commercial property insurance
- Workers' compensation insurance
- Commercial umbrella insurance
- Cyber insurance
- Employment practices liability insurance
- Bonds
- Farm personal liability insurance
Your independent insurance agent can help you find more information about the coverage offered by IMT Insurance and help you decide if this insurance company is right for you.
IMT Insurance Homeowners Insurance
IMT Insurance offers homeowners insurance with all the standard protections you'd expect, including dwelling coverage and other structures coverage that protects your home, garage, and any other permanent structures on your property. The carrier also offers numerous enhanced and optional types of coverage.
Additional coverage types, features, and benefits
Enhanced coverage
- Additional living expenses coverage
- Liability coverage
- Medical payments coverage
- Personal property coverage
- Replacement cost coverage
Optional coverage
- Equipment breakdown coverage
- Scheduled personal property coverage
- Underground service line coverage
- Water backup and sump pump overflow coverage
Homeowners insurance discounts
IMT Insurance offers a variety of homeowners insurance discounts. Qualification for discounts varies by state and eligibility requirements.
- Age of home discount
- Claims-free discount
- Financial stability discount
- Hail-resistant roof discount
- Loyalty discount
- Multi-policy discount
- Protective device discount
An independent insurance agent can help you access all of the discounts for which you qualify.
IMT Insurance Personal Auto Insurance
IMT's auto insurance policies also include all the standard coverage types you'd expect to find, such as bodily injury liability coverage and property damage liability coverage. The carrier provides a full assortment of basic and enhanced coverage.
Additional coverage types, features, and benefits
Basic and enhanced coverage
- Medical payments coverage
- Personal injury protection (PIP) or no-fault coverage
- Collision coverage
- Comprehensive coverage
- Rental car coverage
- Increased transportation expense coverage
- Identity theft coverage
- New car replacement coverage
- Lock replacement coverage
- Locked vehicle coverage
- Pet injury coverage
- Coverage for theft of clothing, camping gear, sports equipment, and luggage
- Glass repair coverage
- Guaranteed auto repair coverage
Auto insurance discounts
IMT Insurance offers a variety of auto insurance discounts. Qualification for discounts varies by state and eligibility requirements.
- At-fault free discount
- Conviction-free discount
- Accident prevention discount
- Customer loyalty discount
- Financial stability discount
- Good student discount
- Multi-policy discount
- Multi-car discount
- Paid in full discount
- Tenured driver discount
An independent insurance agent can help you access all of the discounts for which you qualify.
Find The Right Company Today.
Shopping for a company? We have the right one for you.
IMT Insurance Customer Service
Here's a breakdown of IMT's customer service options and availability.
- Phone contact option
- Fax contact option
- General contact form on website
- Snail mail contact option
- 24/7 phone claims reporting
- The customer service department does not have hours restrictions
To ensure a great customer service experience, work with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you.
IMT Insurance FAQs
IMT Insurance promises to call customers within one business day of receiving a claim.
IMT Insurance provides 24/7 claims reporting via phone and also allows customers to contact them via fax, snail mail, or through the official website.
The IMT Insurance claims process is as follows, according to its public website:
"How to Make a Claim
To report a claim, please contact your local IMT Independent Insurance Agent.
If your agent is unavailable, contact our office 24 hours a day, 7 days a week at 800-274-3531.
Once your claim has been reported to IMT, we will assign your file to one of our claim representatives. In most cases, the claim representative will call you within one business day to discuss your claim and potentially set an appointment to meet with you. In other cases, we may simply process your claim and issue a payment immediately. Please feel free to call us at any time with questions or concerns regarding the status of your claim."
Overall, IMT Insurance provides a highly user-friendly experience. The carrier's public website is excellent. Information can be found quickly. IMT Insurance also offers 24/7 claims reporting and has an active social media presence on YouTube, Facebook, and LinkedIn.
Yes, IMT has good auto insurance. The following types of coverage are available as part of the company's personal auto insurance policies.
- Liability
- Medical payments
- Personal injury protection
- Physical damage
- Rental car coverage
- Increased transportation expense
- Identity recovery
- New car replacement
- Lock replacement
- Locked vehicle
- Pet injury
- Theft of personal belongings
- Glass repair
- Guaranteed auto repairs
An independent insurance agent can help you find more information about IMT Insurance's auto coverage as well as the company's other product offerings.
Yes, IMT Insurance can be considered a good insurance company. With a longstanding history in the industry, combined with high ratings from AM Best and the BBB, and an insurance catalog that includes personal and business coverages, IMT Insurance is a solid choice for individuals and businesses in its service area.
https://www.imtins.com/
https://ratings.ambest.com/companyprofile.aspx?amb=530&AltNum=1578530
https://www.bbb.org/us/ia/west-des-moines/profile/insurance-companies/imt-mutual-holding-company-0664-101513