Partners Mutual Insurance Company Review

We've looked at over 1,000 insurance companies, rating them on strength, accessibility, and service to find the best ones. Here's what people think about Partners Mutual Insurance.

Partners Mutual Insurance Company at a Glance

  • Founded in 1931
  • Offers personal and business coverages
  • Rated "A-" by AM Best
  • Rated "A+" by the Better Business Bureau (BBB)
  • Coverage available in 11 states

Partners Mutual pros: Highly rated by AM Best and the BBB. Long-standing carrier. Personal and commercial coverages available. Online claims reporting.

Partners Mutual Pros cons: Coverage not available nationwide. User-friendliness department lacking. No social media presence. Mixed customer feedback.

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.

What Type of Insurance Does Partners Mutual Insurance Offer?

Here's an overview of the products offered by Partners Mutual Insurance.

  • Home insurance
  • Auto insurance
  • Business owners insurance
  • Commercial auto insurance
  • Commercial property insurance
  • Inland marine insurance
  • Workers' compensation 
  • Umbrella insurance

Your independent insurance agent can help you find more information about the coverages offered by Partners Mutual Insurance, and help you decide if this insurance company is right for you.

What to Know about Partners Mutual Insurance

Founded in 1931, Partners Mutual Insurance offers both personal and business coverages including home insurance, auto insurance, business owners insurance, inland marine insurance, and more. Partners Mutual Insurance is an affiliate of Penn National Insurance. 

Coverage is currently available in 11 states in the eastern and midwestern US. Partners Mutual Insurance works with more than 900 independent insurance agencies. 

Thanks to their demonstrated financial strength over time, Partners Mutual Insurance has earned itself a reputation as a stable carrier with a strong future outlook. AM Best gives the insurance company an overall “A-” rating, indicating the carrier is an excellent choice for insurance customers.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM 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 annual report. 


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What Discounts Does Partners Mutual Insurance Offer?

Partners Mutual Insurance offers several discounts on their coverage, including the following for their homeowners insurance customers, as listed on the official website.

  • Placing your auto with Partners
  • Senior discount
  • Age of home
  • 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 offered by Partners Mutual Insurance. When it comes to insurance and savings, independent insurance agents help you get the most bang out of your buck on coverage.

Partners Mutual Insurance Customer Service

Here's a breakdown of Partners Mutual Insurance's customer service options and availability.

  • Phone contact option
  • Email contact option
  • Snail mail contact option
  • Phone customer service department hours not specified

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

Partners Mutual Insurance FAQ

What is Partners Mutual Insurance's average claim response time frame?

Partners Mutual Insurance does not make a specific claims response time frame promise.

What is Partners Mutual Insurance's customer service availability?

Partners Mutual Insurance does not specify their phone customer service department's business hours. The carrier does not appear to have a social media presence either, which makes them more difficult for customers to get in touch with. However, claims can be filed online.

What is Partners Mutual Insurance's claims process?

Partners Mutual Insurance does not provide much information about their claims process beyond how to file. However, an independent insurance agent can simplify claims for you, and keep you updated through every step of the process.

Does Partners Mutual Insurance's create a user-friendly experience for customers?

Partners Mutual Insurance's official website is easy to navigate. However, the carrier is not as user-friendly as others, at least in terms of offering multiple contact mediums for their customers. There's also not as much detail provided about their coverages or claims process as usually seen by modern insurance companies.

Does Partners Mutual Insurance have good umbrella insurance?

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 Partners Mutual Insurance's business umbrella insurance, as well as their other products offered. 

Is Partners Mutual Insurance a good insurance company?

Partners Mutual Insurance is highly rated by AM Best and the BBB. However, coverage is not available nationwide, and the company's user-friendly experience is a bit lacking. Customer feedback is also mixed. So, it may be up to individual interpretation if Partners Mutual Insurance is a good carrier.

Partners Mutual Insurance Customer Reviews

5 Stars
I have nothing good things to say about Partners! When my husband hit a deer they made everything so easy and I never had to worry about anything! This was very important to me because I had just had our newborn son and dealing with insurance, car rental, and the headache of it all was the absolute last thing I needed. They were wonderful!!!

5 Stars
We are so happy with the service Partners Mutual has provided. When our neighborhood was hit with a horrible hail storm, they took care of us - months later neighbors are still fighting to get their claims approved by bigger insurance companies like State Farm. We are extremely thankful for Partners.

Easy to work with! Quick response, just wish they would take over the phone payments. So far price has been competitive!

The insurance agent I went through was great but I feel like the policy is way too expensive and there are very similar plans out there for cheaper.

We were customers of Partners Mutual insurance for about 15 years. We had just built a new house and used them for that as well. Never had a claim in all the time with them. Our new grass was not yet growing so we took our dog to my husband's parents home. A neighborhood kid was running through the area where our dog was tied up and the dog bit him. Within a week we had a letter from the insurance company saying they are cancelling the policy. No accident forgiveness with this company. They will never get any business from us again.'s Final Review

We award Partners Mutual Insurance a final rating of 2.5 out of 5 stars. The carrier is highly rated by AM Best and the BBB. Partners Mutual Insurance offers several forms of coverage through both personal and commercial lines.

Coverage is not currently offered nationwide, and the carrier's user-friendliness experience is somewhat lacking. The insurance company also seems to completely lack a social media presence. Finally, customer feedback seems to be largely mixed.

Overall, we recommend working together with an independent insurance agent to survey all your options for coverage. Partners Mutual Insurance may not be the best carrier to meet your needs.

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