Partners Mutual 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.
Partners Mutual Final Score
3 Stars
Founded in 1931 as Badger State Casualty Company Limited Mutual, headquartered in Waukesha, Wisconsin, this carrier originally offered personal auto insurance exclusively in Wisconsin. After years of name changes and expansions, the name Partners Mutual Insurance was adopted in 1992.
In 2012, Partners Mutual affiliated with Penn National Insurance, a regional mutual company that operates in the eastern regions of the U.S. The affiliation allowed Partners Mutual to gain more growth opportunities and operational efficiencies, and to access emerging technology.
Today, Partners Mutual sells personal and business insurance products in 13 states: Alabama, Delaware, Iowa, Maryland, Minnesota, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin. It markets its products exclusively through independent insurance agents.
Thanks to its demonstrated financial strength over time, Partners Mutual Insurance has earned a reputation as a stable carrier with a strong future outlook. AM Best gives the insurance company an "A" (Excellent) rating, indicating the carrier is an excellent choice for insurance customers.
We award Partners Mutual a final rating of three out of five stars. The carrier is highly rated by AM Best and the Better Business Bureau (BBB), and offers a variety of personal and business insurance options.
Coverage is not currently offered nationwide, but the carrier offers a user-friendly experience, solid product options, and a stable financial future for its policyholders. While customer reviews are mixed, we think it's a good idea to include Partners Mutual in your search for insurance if you live or operate your business in its service area.
A local independent insurance agent can help you decide if Partners Mutual or another carrier is best for your needs.
Key Takeaways
- Partners Mutual sells personal and business insurance products in 13 states: Alabama, Delaware, Iowa, Maryland, Minnesota, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin.
- The company markets its products exclusively through independent insurance agents.
- Partners Mutual offers a user-friendly experience, solid product options, and a stable financial future for its policyholders.
- Partners Mutual offers online customer service and claims reporting.
Partners Mutual Pros and Cons
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Partners Mutual Products
Here's an overview of the products offered by Partners Mutual Insurance.
Personal insurance
- Auto insurance
- Homeowners insurance
- Renters insurance
- Condo insurance
- Personal umbrella insurance
Business insurance
- Businessowners policies
- Commercial auto insurance
- Commercial property insurance
- General liability insurance
- Workers' compensation insurance
- Commercial umbrella insurance
Your independent insurance agent can help you find more information about the insurance products offered by Partners Mutual and help you decide if this insurance company is right for you. You can also find a carrier by talking to a local independent insurance agent or using our insurance company directory.
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Partners Mutual Homeowners Insurance
Here's how Partners Mutual describes the basic coverage it provides in a home insurance policy.
Dwelling coverage
Protects your dwelling from the most common causes of loss.
Other structures coverage
Protects non-attached garages, tool sheds, etc., from the most common causes of loss.
Personal property coverage
Covers your personal property, like furniture, clothing, appliances, and so on.
Additional living expenses coverage
Covers additional living expenses when covered damage causes you to leave your home while it's being repaired or rebuilt.
Personal liability coverage
Covers claims against you for bodily injury and property damage.
Medical payments to others
Pays non-household members accidentally injured on your property.
Additional coverage types, features, and benefits
Valuable items coverage
There are some classes of property that have specialized limits of coverage for some or all types of claims. If you have extraordinarily valuable items in your home, such as antiques, oriental rugs, jewelry, guns, musical instruments, fine art, coin or stamp collections, or other types of high-value items, you should obtain an endorsement to your homeowners policy that specifically covers these items.
Personal property replacement cost coverage
Upgrades personal property coverage to replacement cost coverage, which pays to repair or replace damaged or destroyed items at today’s price, with no deduction for depreciation.
Personal injury coverage
Provides protection against more types of lawsuits, like libel, slander, invasion of privacy, wrongful entry, and wrongful eviction.
Water backup and sump pump overflow coverage
Covers losses and cleanup costs that result from water backing up through sewers, drains, or sump overflows, up to the coverage limit.
Identity theft coverage
Reimburses you for your legal fees, document duplication, mailing costs, and more if you're a victim of identity theft.
Country homeowner coverage
Provides additional dwelling, structure, and liability coverage for approved hobby farms.
Equipment breakdown coverage
Provides coverage due to the breakdown of an electrical, mechanical, or pressurized system.
Underground utility coverage
Protects you from costly repairs if water or sewer pipes break outside your home.
Sinkhole collapse coverage
Provides coverage for physical damage caused by the sudden collapse of the earth supporting such property.
Incidental occupancies and home business coverage
Provides limited coverage for permissible in-home business exposures.
Partners Mutual home insurance discounts
Partners Mutual offers several discounts on homeowners insurance, including the following:
- Placing your auto with Partners
- Senior discount
- Age of home discount
- Fire protective devices, including smoke detectors, alarms, or sprinkler systems
- Burglar protective devices, including deadbolt door locks and alarms
- Superior construction
An independent insurance agent can help you find more information about the discounts Partners Mutual offers.
Partners Mutual Personal Auto Insurance
Here's how Partners Mutual describes the basic coverage it provides in an auto insurance policy (varies with state requirements):
Bodily injury liability coverage
Pays for the cost you are legally required to pay for injuries to someone else resulting from an accident you cause, up to the policy limits.
Property damage liability coverage
Pays for damage you cause to someone else’s car or property in an accident, up to the policy limits.
Medical payments, no-fault personal injury protection (PIP)
Pays medical bills for injuries to you or your passengers from an accident and, in some cases, lost wages, funeral expenses, and other damages, regardless of who is at fault in an accident.
Uninsured and underinsured motorist coverage
Pays medical bills for you and your passengers if a driver without insurance or without enough insurance injures you in an accident, up to the policy limits.
Collision coverage
Pays for repairs to your car after an accident, regardless of whether you are at fault.
Comprehensive coverage
Pays for repairs to your car after damage from something other than a collision, such as loss caused by fire, theft, collision with a deer or other animal, storm, flood, etc.
Additional coverage types, features, and benefits
Auto loan/lease coverage
Coverage that protects you for the difference between the amount you owe on a car loan or lease and what you would actually collect under your personal automobile insurance policy if your car were totaled.
New car replacement coverage
Pays for a current model year vehicle of the same manufacturer, model, and equipment as your insured auto.
OEM part replacement coverage
Pays to repair or replace the material of a vehicle using materials made by the Original Equipment Manufacturer (OEM).
Rental reimbursement coverage
Pays the cost to rent an auto from a rental car agency when your auto is disabled for more than 24 hours due to a covered loss.
Towing and labor coverage
Pays the cost of towing your auto when it is disabled.
Other vehicles coverage
Coverage is available for other types of vehicles, including:
- Classic and antique vehicles
- Customized equipment, including pickup caps and covers
- Motorcycles
- Motor homes
- Non-owned vehicles
- Recreational trailers
- Utility trailers
Partners Mutual auto insurance discounts
Partners Mutual offers several discounts on auto insurance, including the following:
- Placing your homeowners with Partners Mutual
- Paying your premium in full
- Quoting your auto with Partners Mutual in advance of your effective date
- Passive restraints, such as automatic seatbelts and airbags
- Daytime running lights
- Antilock brakes
- Students with good grades (B average or better) who are on your policy
- Placing multiple vehicles with Partners Mutual
An independent insurance agent can help you find more information about the discounts Partners Mutual offers.
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Partners Mutual Insurance Customer Service
Here's a breakdown of Partners Mutual's customer service options and availability.
- Phone contact option
- Email contact option
- Snail mail contact option
- Phone customer service department hours are not specified
- Claims reporting online and by phone
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.
Partners Mutual FAQs
Partners Mutual promises that a claims adjuster will respond to a report of a claim within one business day.
Partners Mutual Insurance does not specify its phone customer service department's business hours. The carrier does not appear to have a social media presence either, which makes it more difficult for customers to get in touch with. However, claims can be filed online.
Here is how Partners Mutual describes its claims process:
- We receive the claim and assign it to a claims adjuster no later than the next business day.
- You will be contacted by a local claims adjuster within 24 hours of receiving the assignment.
- The adjuster gathers any other additional information and discusses the options with you:
You can obtain an estimate from the repair shop of your choice - If the damage is significant, an appraiser will be immediately assigned to inspect the vehicle.
- If you have obtained an estimate of damage from the repair shop of your choice, the adjuster will review the estimate and discuss whether any changes are needed. An agreed repair price with the shop of the owner’s choice is obtained and payment is issued to you minus the appropriate deductible.
- Repairs should not be completed until all repairs have been approved.
- You have the repairs completed to your vehicle and are responsible for paying the bill at the repair shop.
Partners Mutual creates a user-friendly experience for customers. There are multiple ways to contact the company online and by phone. The website clearly lays out who and where to call for particular service needs, and its claims process is clearly outlined.
Partners Mutual Insurance provides several types of coverage, including commercial umbrella coverage. The carrier's official website provides the following details about their business umbrella insurance.
"An Umbrella policy provides protection against catastrophic losses and is written over our Business Auto, Commercial General Liability or Employers Liability policies. It picks up where the underlying policy leaves off when the aggregate limit of the underlying policy is exhausted by the payment of claims. It also provides protection against some claims not covered by the underlying policies."
An independent insurance agent can help you find more information about the carrier's business umbrella insurance, as well as its other products.
Yes, Partners Mutual is a good insurance company.
Partners Mutual Insurance is highly rated by AM Best and the BBB. However, coverage is not available nationwide, and customer feedback is mixed. In general, Partners Mutual can be considered a solid option for those in need of coverage in the company's service area.
https://www.bbb.org/us/wi/waukesha/profile/insurance-services-office/partners-mutual-insurance-co-0694-23001180
https://www.partnersmutual.com