Ohio Mutual Insurance Group at a Glance
- Founded in 1901
- Offers a variety of insurance products
- Offers personal and business coverage
- Coverage available in seven states
- “A” (excellent) rating by A.M. Best
- “A+” (excellent) rating by Better Business Bureau (BBB)
- Network of independent insurance agents
- 24/7 claims reporting
- Good customer feedback
- Several discounts available
Ohio Mutual pros: More than a century’s worth of experience in the insurance industry. High ratings by A.M. Best and the BBB. Offers several commercial and personal insurance coverages including homeowners insurance, personal and commercial auto insurance, identity theft insurance, etc. Offers 24/7 claims reporting through multiple mediums. Several discounts available. Good customer feedback.
Ohio Mutual cons: Coverage not available nationwide. Limited social media presence compared to other carriers.
What Type of Insurance Does Ohio Mutual Offer?
Ohio Mutual offers a variety of coverage solutions for individuals and businesses. Their products include the following.
- Homeowners insurance
- Auto insurance
- Farmowners insurance
- Inland marine insurance
- Business owners insurance
- Commercial auto insurance
- Identity theft insurance
Your independent insurance agent can help you decide if Ohio Mutual has the right type of coverage to best meet your needs.
What to Know about Ohio Mutual
Ohio Mutual Insurance Group was founded in 1901, giving the carrier more than a century’s worth of experience in the insurance industry. The insurance company offers a catalogue of coverage options for individuals and businesses, 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. There are almost 200 employees found on the carrier’s LinkedIn network, and Ohio Mutual distributes their products through more than 400 independent agencies. Since 2009, Ohio Mutual has been named on the Ward’s 50 list of top-performing property-casualty companies six times.
Thanks to its long-standing history, award-winning recognition, and catalogue of coverages offered for individuals and businesses, Ohio Mutual 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 Ohio Mutual an “A” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from A.M. Best assure customers that Ohio Mutual 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 as familiar with insurance companies’ respective reputations, A.M. Best’s ratings system allows them to make an informed decision about who they can trust to meet their needs in the short term, and also who remains a strong, financially sound insurance company in the long term.
What Discounts Does Ohio Mutual Offer?
Ohio Mutual offers many competitive discounts on their coverages, especially for auto insurance. These discounts include the following.
- Anti-theft feature discount: Offered to auto insurance customers who install anti-theft devices in their vehicles.
- Good student discount: Offered to student auto insurance customers who do well in school.
- Multi-car discount: Offered to auto insurance customers who insure more than one vehicle through Ohio Mutual.
- Antilock brakes systems (ABS) discount: Offered to auto insurance customers who have ABS in their vehicles.
- Away to school discount: Offered to student auto insurance customers who live on campus and are over a certain number of miles away from home.
An independent insurance agent can help you find more information about further discounts and additional ways to save with Ohio Mutual, as well as provide you with quotes and help answer any other questions you may have.
Ohio Mutual Customer Service
Ohio Mutual allows their customers to file claims over the phone or online at any time. The carrier provides the following customer service options.
- 24/7 phone claims reporting
- Online claims reporting
- Fax contact option
- Online bill pay
- Snail mail contact option
- Customer service department has the following hours restrictions
|Monday-Friday||8 am - 5 pm|
The best way to handle your customer service needs is to work with an independent insurance agent. Independent insurance agents help make customer service easier for you by handling claims and other concerns.
Ohio Mutual FAQ
What is Ohio Mutual's average claim response time frame?
Ohio Mutual allows customers to file claims at any time over the phone or online. The carrier’s official website states that customers will be contacted by a claim representative within one business day after filing a new claim.
What is Ohio Mutual's customer service availability?
Ohio Mutual’s phone line for customer service issues is available at restricted hours on weekdays. However, the insurance company allows customers to file claims over the phone or online at any time. The carrier also has a social media presence on Twitter and LinkedIn, which makes them a bit more accessible to customers.
What is Ohio Mutual's claims process?
Ohio Mutual allows customers to file claims through a couple of different mediums. The carrier’s official website details the process for auto insurance claims as follows.
“Let’s talk about it
Please note that just because a claim is filed, it does not necessarily mean that you have coverage for this loss. Your dedicated claim representative will reach out to you within one business day to go over the details of your loss, explain your policy coverage, and provide more information about the claim process. Your claim representative’s contact information will be uploaded to your 360access® customer portal within one business day.
During our conversation with you, we will ask specific questions about your vehicle and the damages it sustained — this information will help us determine whether the vehicle is repairable. Keep in mind, you are always in control of where your vehicle is repaired. We will work with your chosen repair facility to ensure that you receive a fair and accurate repair estimate.
If your vehicle is not repairable, our specialized total loss representatives will guide you through each step of the process in order to resolve your claim quickly and fairly.
Get the transportation you need, when you need it
If your vehicle is not drivable as a result of the loss, and you have the appropriate coverage, we will cover the daily rate of your rental vehicle, based on your policy limits.
If you are unsure about whether or not you’re covered for a rental vehicle, you can check the Declarations Page of your policy. If applicable, this information, as well as your rental vehicle policy limits, can be found under “Optional Transportation” or “Transportation Expense.”
How’d we do?
You may receive a survey asking for feedback regarding your claims experience. Your feedback is very important to us. Knowing how you feel about the process will help us continue to enhance the experience we provide to our customers, improve our customer service skills, and refine our products.”
If customers want to check on the status of an existing claim, they can contact their independent insurance agent, or the carrier directly.
Does Ohio Mutual create a user-friendly experience for customers?
Ohio Mutual’s website is intuitive and easy to navigate. Customers can locate important information quickly and easily. The insurance company offers several modern customer service options such as 24/7 claims reporting, online bill pay, and find an agent features. The carrier works with independent insurance agents to ensure their customers are matched with the best coverage possible for them. Ohio Mutual also has a presence on social media, overall making for a good user-friendly experience.
Does Ohio Mutual have good homeowners insurance?
Ohio Mutual provides a good selection of coverages for individuals and businesses, including homeowners insurance. The carrier’s official website lists the following coverages under their homeowners insurance policies.
- “Windstorm or hail
- Riot or civil commotion
- Vandalism and malicious mischief (collision only)
- Fire or lightning
- Aircraft (comprehensive)
- Sudden and accidental damage from smoke
- Identity theft expense
Optional coverage add-ons include
- Replacement Plus for contents
- Replacement Guarantee for dwelling
- Earthquake coverage
- Liability coverage for a seasonal residence or a residence rented to others
- Additional coverage for back-up of sewers or drains
- Incidental business exposure in home
- Waterbed liability (for tenants)
- Inland Marine Coverage for scheduled items such as jewelry, fine arts, furs, guns and collectibles”
Your independent insurance agent can help you find even more information about Ohio Mutual’s homeowners insurance, as well as their many other coverages.
Is Ohio Mutual a good insurance company?
Ohio Mutual has been around for more than a century now. The insurance company is highly rated by A.M. Best and the BBB. Ohio Mutual also provides a good selection of coverage options for individuals and businesses. The carrier provides a user-friendly experience for its customers and works with independent insurance agents. Overall, Ohio Mutual can indeed be considered a good insurance company.
Ohio Mutual Customer Reviews
|“This was the cheapest policy that I found when I was shopping for insurance. We haven't filed any claims, but I appreciate that they sent a letter recently that basically expanded what their insurance offers us at no extra cost.”|
|“My husband hit a deer this past summer and this insurance company was great to work with. They responded quickly to our needs and answered all of our questions. I would highly recommend.”|
|“When being dealing with the unpleasant consequences of a climate event smacks, felt lucky and grateful for having Ohio Mutual Insurance. They make possible in every way for me to cope with the catastrophe.”|
|“They have always been quick to answer any questions and pay claims, when necessary. I would recommend them for insurance needs. I just signed up to have my policies paid electronically. This will make it easier for me.”|
|“They were there, in a terrible situation, after a winter storm caused damage to my property. Backed me up and responded fast and with professionalism. Ohio Mutual Insurance met my expectations at the full EXTENT of the word. Made me feel safe and secure, knowing that do have a trustful company, taking good care of my home. Strongly recommended for peace of mind!!”|
TrustedChoice.com's Final Review
We award Ohio Mutual Insurance Group a final rating of 4.29 out of 5 stars. Ohio Mutual has been in the insurance industry for more than a century now, which is noteworthy for a carrier today. 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 A.M. Best and the BBB. Of course, we’re also huge fans of the fact that the insurance company works with independent insurance agents to provide their customers with the best overall experience. So, our final verdict is that if you’re located in an area where coverage is available and in need of any of their products, Ohio Mutual Insurance Group is an excellent option to be your next trusted carrier.
©2020, Consumer Agent Portal, LLC. All rights reserved.