Ohio Mutual Insurance Group Review 2025

Trusted Choice's Ohio Mutual Insurance Group Score

4.5 Stars

---

We award Ohio Mutual Insurance Group a final rating of 4.5 out of 5 stars. Ohio Mutual has been in the insurance industry for more than a century. While coverage is only offered in seven states currently, customers located in those areas have access to a good selection of insurance products, for personal or business lines. Ohio Mutual offers 24/7 claims reporting through multiple mediums and has received many glowing customer reviews. The carrier is also highly rated by AM Best and the BBB. 

Ohio Mutual Insurance Group was founded in 1901. The insurance company offers several products, including auto insurance, homeowners insurance, commercial auto insurance, and more. The insurance company is headquartered in Bucyrus, OH. Ohio Mutual was originally created to offer insurance to property owners in the state of Ohio.

Today, Ohio Mutual has expanded to offer its products in seven states in the New England and Midwest regions of the country, including Connecticut, Ohio, Indiana, Maine, New Hampshire, Rhode Island, and Vermont. Ohio Mutual has also been named on the Ward’s 50 list of top-performing property-casualty companies nine times.

Of course, we’re also huge fans of the fact that the insurance company works with independent insurance agents to provide its customers with the best overall experience. Our final verdict is that if you’re located in an area where coverage is available, Ohio Mutual Insurance Group is an excellent option to be your next trusted carrier.

Ohio Mutual Insurance Pros and Cons:

Pros:	Cons:
Longstanding carrier	Coverage is only available in seven states
Offers a variety of insurance products
Offers personal and business coverage
“A” (excellent) rating by AM Best
“A+” (excellent) rating by Better Business Bureau (BBB)
Network of independent insurance agents
24/7 claims reporting
Good customer feedback
Several discounts available
Mobile app available

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.

Ohio Mutual Insurance Products by Type

Ohio Mutual offers a variety of coverage solutions for individuals and businesses. Its products include the following:

Ohio Mutual Homeowners Insurance

Ohio Mutual offers homeowners insurance in Connecticut, Indiana, Maine, New Hampshire, Ohio, Rhode Island, and Vermont. The carrier offers all the standard homeowners insurance coverages you'd expect to find in a policy, including dwelling, personal property or contents, other structures, personal liability, medical payments, and additional living expenses coverage. 

However, Ohio Mutual also offers a wide selection of enhanced and additional coverage options, such as guaranteed replacement coverage for your dwelling, incidental business exposures in the home, sewer or drain backup, approved wood burners, seasonal or secondary homes with primary support, liability coverage for a seasonal residence or a residence rented to others, equipment breakdown and service line coverage, and additional coverage for jewelry, fine arts, firearms, cameras, coins, and collectibles. Additional enhanced coverage options are outlined below.

Coverage types, features, and benefits:

Contents replacement cost

Ohio Mutual offers optional replacement cost coverage for personal belongings. This can help the homeowner guarantee they'll receive enough reimbursement to fully replace their personal property after a covered total loss.

Personal cyber protection

In select states, Ohio Mutual offers personal cyber protection. This coverage can reimburse the homeowner for costs associated with identity theft and data breaches. 

Earthquake

Ohio Mutual offers optional earthquake coverage endorsements for home insurance. Damage caused by these natural disasters is typically excluded without an endorsement.

New construction

Ohio Mutual offers additional protection options for new construction homes. This coverage includes theft of building materials while a home is being built.

Ohio Mutual Homeowners Insurance Average Prices

Ohio Mutual is known for providing the cheapest homeowners insurance in Ohio. The current state average annual rate for a homeowners insurance policy with $350,000 in dwelling coverage is $1,436. A policy with the same amount of coverage from Ohio Mutual Insurance Group costs an average of just $861 per year — a savings of 40%.

Ohio Mutual Average Home Insurance Rates by Dwelling Coverage Amount

What Discounts Does Ohio Mutual Offer?

Ohio Mutual offers many competitive discounts on its coverages, especially for home insurance. These discounts include the following:

An independent insurance agent can provide better discount information and premium quotes for coverage through Ohio Mutual. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.

Ohio Mutual Customer Service

Ohio Mutual allows its customers to file claims over the phone or online at any time. The carrier provides the following customer service options:

To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you so you can relax and enjoy your coverage. 

Connect with an Ohio Mutual Agent Today.

Shopping for insurance? Ohio Mutual has you covered.

Request a Quote

Ohio Mutual Insurance FAQs