Vermont Mutual Insurance Company Review
Vermont Mutual Insurance Group at a Glance
- Founded in 1828
- Offers a variety of insurance products
- Offers personal and business coverage
- One of the nation’s oldest property/casualty insurers
- Coverage available in seven states
- “A+” (superior) rating by A.M. Best
- “A+” (excellent) rating by Better Business Bureau (BBB)
- 24/7 claims reporting
- Several discounts available
- Strong financial stability
Vermont Mutual pros: Nearly two century’s worth of experience in the insurance industry. Very high ratings through A.M. Best and the BBB. Award-winning recognition from Ward’s Top 50 list for 11 consecutive years. Offers personal and business coverages. Offers 24/7 phone claims reporting. Several discounts available. Strong financial stability.
Vermont Mutual cons: Coverage not available nationwide. No online claims reporting.
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What Type of Insurance Does Vermont Mutual Offer?
Vermont Mutual offers a variety of coverage solutions for individuals and businesses. Their products include the following.
- Homeowners insurance
- Auto insurance
- Dwelling fire insurance
- Personal umbrella insurance
- Inland marine insurance
- Businessowners insurance
- Commercial umbrella insurance
Your independent insurance agent can help you decide if Vermont Mutual has the right type of coverage to best meet your needs.
What to Know about Vermont Mutual
Vermont Mutual Insurance Group was first established in 1828, and is one of the nation’s oldest mutual property/casualty insurance companies. The carrier offers several coverage options for individuals and businesses including auto insurance, homeowners insurance, personal and commercial umbrella insurance, and more. The insurance company is headquartered in Montpelier, VT.
Today, Vermont Mutual has expanded to offer its products in seven states including New Hampshire, Connecticut, Maine, Massachusetts, Rhode Island, New York, and Vermont. The insurance company has been recognized on Ward’s “Top 50” list of top-performing insurers for 11 years in a row. Vermont Mutual works with more than 800 independent agencies to distribute their coverage to more than 300,000 policyholders.
Thanks to its impressive long-standing history, awarding-winning recognition, and selection of coverages offered for individuals and businesses, Vermont Mutual has become known as a top-performing insurance company with a strong outlook for the future. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives Vermont Mutual an “A+” rating, indicating the carrier is a superior choice for insurance customers. High ratings from A.M. Best assure customers that Vermont 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 to remain a strong, financially sound insurance company in the long term.
What Discounts Does Vermont Mutual Offer?
Vermont Mutual offers several competitive discounts on their coverages, including the following.
- Safety/security equipment discount: Offered to auto insurance customers who have anti-lock brakes, airbags, and/or anti-theft devices in their vehicles.
- Multi-car discount: Offered to auto insurance customers who insure more than one vehicle through Vermont Mutual.
- Bundling home/auto policy discount: Offered to customers who purchase both home and auto insurance through Vermont Mutual.
- Loss-free discount: Offered to customers who remain claims-free on their policy for a set amount of time.
- Paid-in-full discount: Offered to customers who pay their entire premiums up front in one lump payment, rather than monthly.
An independent insurance agent can help you find more information about further discounts and additional ways to save with Vermont Mutual, as well as provide you with quotes and help answer any other questions you may have.
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Vermont Mutual Customer Service
Vermont Mutual 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
- Fax claims reporting
- Email claims reporting
- Online bill pay
- Snail mail contact option
- Customer service department has the following hours restrictions
|Monday-Thursday||7:45 am - 4:30 pm|
|Friday||7:45 am - 3:15 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.
Vermont Mutual FAQ
What is Vermont Mutual's average claim response time frame?
Vermont Mutual allows customers to file claims at any time over the phone. The carrier’s official website does not make a specific claims response time frame promise, however.
What is Vermont Mutual's customer service availability?
Vermont Mutual’s phoneline for customer service inquiries is available at restricted hours on weekdays. However, the insurance company allows customers to file claims over the phone 24/7. The carrier also has a social media presence on Facebook, Twitter, and LinkedIn, which makes them even more accessible to customers.
What is Vermont Mutual's claims process?
Vermont Mutual allows customers to file claims through a couple of different mediums. The carrier’s official website does not give much detail about their claims process beyond how to file, and that customers will be contacted by a claims representative who will explain the process to them and answer any questions.
Does Vermont Mutual create a user-friendly experience for customers?
Vermont Mutual’s website is extremely polished. Customers can easily locate important information, however the carrier would benefit from adding a more detailed claims process to their website. 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. Vermont Mutual also has an active presence on social media, overall making for a great user-friendly experience.
Does Vermont Mutual have good homeowners insurance?
Vermont Mutual provides several coverages for individuals and businesses, including homeowners insurance. The carrier’s homeowners insurance provides the standard coverage expected of policies by most carriers, with the option to add the following endorsements.
- Appliance breakdown
- Water backup
- Debris removal
- Jewelry or fine arts theft
- Identity fraud protection
- Underground service lines
Your independent insurance agent can help you find even more information about Vermont Mutual’s homeowners insurance and optional coverage endorsements, as well as their many other insurance products.
Is Vermont Mutual a good insurance company?
Vermont Mutual has been around for nearly two centuries and is one of the nation’s oldest property/casualty insurers. The insurance company is highly rated by A.M. Best and the BBB. Vermont Mutual provides a good selection of coverage options for individuals and businesses. The carrier also provides a user-friendly experience for its customers and works with independent insurance agents. Overall, Vermont Mutual can certainly be considered a good insurance company.
Vermont Mutual Customer Reviews
|“Excellent company to do business with! Great service and communication. Timely resolution to claims.”|
|“Vermont Mutual has offered us affordable rates and access to policy options. Because of this I will continue to use them.”|
|“Good experience so far. Reasonable price. No issues. Easy online payment. Different payment plan options.”|
|“I've had insurance through Vermont Mutual for 12 years, and have always liked them. They're easy to do business with and have never caused me any problems.”|
|“Purchased this policy when I bought my house in 2013 and no one else has yet to compare to the price and policy features.”|
TrustedChoice.com's Final Review
We award Vermont Mutual Insurance Group a final rating of 4.7 out of 5 stars, and as one of our Top Picks overall. Vermont Mutual has been in the insurance industry for nearly two centuries, which is noteworthy and impressive. Though coverage is only offered in seven states, customers in those locations have a good selection of options to choose from for personal and business lines. Vermont Mutual is one of the nation’s oldest property/casualty insurers and has been named on Ward’s Top 50 list more than 10 years in a row. The carrier also has high ratings from A.M. Best and the BBB and lots of excellent customer feedback. The insurance company provides 24/7 phone claims reporting and works with independent insurance agents. Topped off with several discount options, all together we highly recommend looking into Vermont Mutual Insurance Group with your independent insurance agent to be your next trusted carrier if you’re located in an area where coverage is available.
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