MMG Insurance Company Review

MMG Insurance Company at a Glance

  • Founded in 1897
  • Offers a variety of insurance products
  • Offers personal and business coverage
  • Coverage available in five states
  • “A” (excellent) rating by A.M. Best
  • “A+” (excellent) rating by Better Business Bureau (BBB)
  • Strong financial stability
  • 24/7 claims reporting
  • Good customer feedback
  • Several discounts available

MMG Pros: More than a century of experience in the insurance industry. High ratings through A.M. Best and the BBB. Offers several coverage options for individuals and businesses, including commercial auto insurance, umbrella insurance, personal auto insurance, homeowners insurance, and more. Offers 24/7 claims reporting via phone. Several discounts available. Good customer feedback. Works exclusively with independent insurance agents.

MMG Cons: Coverage not available nationwide.

What Types of Insurance Does MMG Offer?

MMG offers a variety of coverage solutions for individuals and businesses. Their products include:

  • Homeowners insurance
  • Dwelling fire insurance
  • Auto insurance
  • Watercraft insurance
  • Personal umbrella insurance
  • Snowmobile insurance
  • Business auto insurance
  • Business owners insurance
  • Farm owner insurance
  • Commercial umbrella insurance
  • Special trade contractor insurance

Your independent insurance agent can help you decide if MMG has the right type of coverage to best meet your needs.

What to Know about MMG Insurance

MMG Insurance was founded in 1897, giving the carrier well over a century of experience in the insurance industry. The insurance company offers an extensive catalog of coverage options for individuals and businesses, including personal and commercial umbrella insurance, homeowners insurance, personal and commercial auto insurance, and more. The insurance company is headquartered in Presque Isle, Maine.

Today, MMG offers its products in five states: Maine, New Hampshire, Vermont, Pennsylvania and Virginia. The insurance company works with a team of more than 3,000 independent insurance agents to help provide a more comprehensive and personalized experience for its customers. As of 2019, MMG surpassed $200,000 million in total written premium.

Thanks to its extensive history, amount of insurance in-force, and catalog of coverages offered for individuals and businesses, MMG has become known as a financially sound insurance company with a strong outlook for the future. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives MMG an “A” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from A.M. Best assure customers that MMG is capable of offering guaranteed, secure coverage from a trustworthy and reputable insurance carrier.

Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. 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 balance sheet. For customers who aren’t familiar with insurance companies’ reputations, A.M. Best’s rating system allows them to make an informed decision about who they can trust to meet their needs in the short term, and also to remain a strong, financially sound insurance company in the long term.

What Discounts Does MMG Insurance Offer?

MMG does not make information about its specific discounts readily available, but many modern carriers provide common discounts on comparable coverages. These discounts can include:

  • Anti-theft discount: Offered to auto insurance customers who install anti-theft devices in their vehicles. 
  • Good student discount: Offered to auto insurance customers who are young drivers that do well in school. 
  • Multi-car discount: Offered to auto insurance customers who insure more than one vehicle through the same carrier. 
  • New roof discount: Offered to homeowners insurance customers who replace or upgrade their home’s roof.
  • Burglar alarm discount: Offered to homeowners insurance customers who install burglar alarms or other security systems on their property. 

An independent insurance agent can help you find more information about exact discounts and additional ways to save with MMG, as well as provide you with quotes and help answer any other questions you may have.

MMG Insurance Customer Service

MMG allows their customers to file claims over the phone at any time. The carrier provides the following customer service options:

  • 24/7 phone claims reporting.
  • Online bill pay.
  • Snail mail contact option.
  • General contact form available through website.
  • Customer service department has the following hour restrictions:


Hours (EST)


Monday-Friday8 am - 4:30 pm

The best way to handle your customer service needs is to work with an independent insurance agent. These agents help make customer service easier for you by handling claims and other concerns.

MMG Insurance FAQ

What is MMG's average claims response time frame?

MMG allows customers to file claims at any time over the phone. The carrier’s official website states that customers should be contacted by the next business day after filing a claim.

What is MMG's customer service availability?

MMG’s phone line for customer service issues is available at restricted hours, Monday-Friday. The insurance company allows customers to file claims over the phone at any time. The carrier also has a social media presence on Facebook, Twitter, and LinkedIn, which makes them more accessible to customers.

What is MMG's claims process?

MMG allows customers to file claims through a couple of different mediums. The carrier’s official website, however, does not outline a specific claims process beyond how to file. If customers have questions about the claims process, they can reach out to their independent insurance agent or contact the carrier directly.

Does MMG Insurance create a user-friendly experience for customers?

MMG’s website is well laid out and easy to navigate. Pages are fleshed out enough to provide satisfactory details for customers, and important information is simple to locate. MMG’s website would benefit from adding a detailed claims process, however. The insurance company offers several modern customer service options such as get-a-quote and find-an-agent online features. The carrier works exclusively with independent insurance agents to ensure their customers are taken care of as much as possible. MMG also has an active presence on social media, overall making for a good user-friendly experience.

Does MMG have good homeowners insurance?

MMG provides a good selection of coverages for individuals and businesses, including homeowners insurance. The carrier offers special programs to enhance their homeowners coverage, the Home Advantage and Home Advantage Ultra plans. The official website lists the additional coverage provided by these coverage-enhancing options as follows:

These carefully designed plans include increased coverage for the following:

  • Medical Payments to others
  • Securities, accounts, deeds, evidence of debt, letters of credit, etc.
  • Watercraft of all types, including trailers, furnishings, outboard motors, etc.
  • Trailers or semi-trailers not used with watercraft
  • Loss by theft of jewelry, watches, furs, precious & semi-precious stones
  • Loss by theft of silverware, gold ware, etc.
  • Money, bank notes, bullion, golf other than gold ware, etc.

And even beyond that, additional coverage can include:

  • Up to an additional 25% on insurance on your Dwelling
  • Personal Property increased to 70% of your Dwelling amount
  • Personal Property Replacement Cost
  • Refrigerated Property Coverage
  • Special Computer Coverage
  • Water backup and sump discharge or overflow
  • Replacement Cost for certain non-building structures
  • Identity Fraud
  • Personal Injury

PLUS, MMG’s Home Advantage also includes protection for covered losses you incur from Credit Card Theft, Electronic Funds Transfer Card or Access Device, Forgery or Counterfeit Money up to $5,000.”

Your independent insurance agent can help you find even more information about MMG’s homeowners insurance and Home Advantage plans, as well as their many other coverages.

Is MMG a good insurance company?

MMG has been around for well over a century now. The insurance company is highly rated by A.M. Best and the BBB. MMG also provides a sizeable selection of coverage options for individuals and businesses. Additionally, the carrier provides a user-friendly experience for its customers and works with independent insurance agents. Overall, MMG can indeed be considered a good insurance company.

MMG Insurance Customer Reviews

Clearsurance
“They've always been fair, friendly and their rates competitive.”
Clearsurance
“We use MMG for our home and auto insurance. With the bundle there is a small discount. We have had no claims, so I cannot judge how that would go, but in talking to the staff over the years, I believe there would be no issues. They are super friendly, and do look every year to see if there are any saving available to us for the following renewal.”
Clearsurance
“Great rates and service. Took hundreds of dollars off and provided better coverage than my previous carrier.”
Clearsurance
“I have had good rates with this company and when I had an accident (at no fault of my own) they were great to work with to get my vehicle repaired.”
Clearsurance
“I  am the beneficiary of MMG Insurance. The chain service garage I've used for years made a mistake, thinking they were changing differential oil and left my transmission empty. MMG figured the replacement cost plus any costs of associated repair would be about the book value of the car. Less than a week later, they have the title and I have a check, which includes a percentage for the new tires I'd just put on. MMG is great!”

TrustedChoice.com's Final Review

We award MMG Insurance a final rating of 4.6 out of 5 stars. MMG has been in the insurance industry for more than a century now, which has given them plenty of time to master their craft—and it shows. Though coverage is only available in five states, MMG provides several insurance solutions for customers within those areas, including personal and business products. The carrier is highly rated by A.M. Best and the BBB and has demonstrated solid financial strength over the years. MMG offers 24/7 claims reporting over the phone and match with an agent and request a quote services through their website. Plus, we really love that the insurance company works exclusively with independent insurance agents, which allows their customers have the best experience possible from every angle. Further, there are many glowing customer reviews easily spotted across the web. All things considered, we highly recommend looking into MMG Insurance with your independent insurance agent to be your next trusted carrier.

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