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Brethren Mutual Insurance Company Review & Complaints: Home, Auto, Business & Farm Insurance

Brethren Mutual Insurance Company reviews cover the company's home insurance, auto insurance, business and farm insurance. Brethren Mutual Insurance quotes aren't offered online, but the national average for auto insurance is $86/mo. Brethren Mutual Insurance ratings with A.M. Best and the BBB are both high, indicating Brethren Mutual claims are handled well..

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 23, 2020

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Brethren Mutual Insurance Company has been in business for more than 120 years. They offer home insurance, car insurance coverage, business, and farm insurance. Although you won’t be getting Brethern Mutual quotes online, Brethren Mutual agents offer quotes in-person.

Although the company has been around for 12 decades, Brethern Mutual Insurance reviews have been less extensive online–until now. Continue reading to learn more about Brethren Mutual Insurance cost and availability by state in this complete Brethren Mutual Insurance Company review.

Since Brethren Mutual Insurance company reviews show you can’t get quotes online, we’ve provided a way you can compare insurance quotes in your local area. Enter your ZIP code in our FREE comparison tool above to get started.

About Brethren Mutual

Brethren Mutual Insurance was founded in Hagerstown, MD, in 1897 to provide insurance protection to local farmers. Although they were initially connected with the Church of the Brethren and provided coverage only to members, the company no longer has any association with the religious organization, having removed restrictions on membership in 1917.

Today the company serves four states and the District of Columbia, although only commercial lines are offered in D.C. The other states are Brethren’s home state of Maryland, Virginia, Delaware, and Pennsylvania.

Brethren Mutual is focused on property and casualty insurance. Its insurance options include both home and car insurance, and they also insure businesses and farms.

Policies are sold through local independent agents across their service area, and the company still maintains its headquarters in Hagerstown.

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Brethren Mutual Products

Brethren Mutual provides car insurance coverage for several types of homes. They also write an array of commercial package policies and comprehensive coverage for farms of all sizes. The website offers limited information on each product.

Car Insurance

The company website states that their auto insurance program is tiered, offering the best rates to those that qualify. Its website doesn’t provide details on those tiers, and it doesn’t explain what the qualifications are for each tier.

The car insurance program includes basic car insurance coverage, such as liability, medical payments, comprehensive coverage, and collision coverage. Other add-ons include towing and labor, electronics coverage, customized equipment, non-owned vehicle coverage, and transportation expenses.

You may not be able to get any car insurance quotes from Brethren Insurance online. Still, the National Association of Insurance Commissioners (NAIC) provides the average cost of car insurance in annual reports.

Since Brethren Mutual Insurance is only available in Virginia, Delaware, Maryland, Pennsylvania, and District of Columbia (D.C.), we’ll provide NAIC car insurance rates in these areas.

NAIC Car Insurance Rates of States with Brethren Mutual Insurance
StatesAverage Annual Liability RatesAverage Annual Collision RatesAverage Annual Comprehensive RatesAverage Annual Full Coverage Rates
Virginia$437$284$139$859
Pennsylvania$509$331$146$986
Maryland$633$357$154$1,145
Delaware$808$319$122$1,248
District of Columbia (D.C.)$663$471$231$1,364
National Average$555$326$148$1,030
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According to the NAIC, Virginia has the cheapest car insurance rates among the states where Brethren Mutual Insurance Company does business. Comprehensive car insurance is the most affordable coverage, but it can be more expensive, depending on the vehicle.

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Home Insurance

Brethren Mutual writes home insurance for a variety of housing types. These include single-family homes, mobile homes, and rental dwellings. They also offer renter’s insurance. As with the car insurance policies, information on these programs is limited to a basic overview. Let’s look at some base home insurance rates by states with Brethren Mutual.

Home Insurance Rates of States with Brethren Mutual Insurance
StatesAverage Home Insurance Rates
Pennsylvania$851
Delaware$880
District of Columbia (D.C.)$1,035
Virginia$1,100
Maryland$1,211
National Average$1,631
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Home insurance includes all of the standard coverage offered with most such policies. The structure itself, personal property, and liability are all included in the basic policy. They also provide common endorsements, such as home business, extended replacement cost, water backup, identity theft, and special content coverage. Equipment breakdown coverage is also available as an option.

The information available for the other types of home insurance is even more limited than that for homeowners.

Did you know you can save money on insurance if you bundle services together? Watch this video on how you can save money on Brethren insurance for companies and businesses.

The percentage you can save varies from company to company. As for Brethren Mutual Insurance Company, you will have to learn about bundling and other discounts from a Brethren Mutual agent.

Commercial Insurance

Brethren Mutual has a large selection of commercial policies for a wide variety of industries and specialty organizations. Available options include:

  • Commercial package policies
  • Special Religious organization policies
  • Commercial Auto
  • Special Garage policies for automotive services
  • Worker’s Compensation Business Insurance
  • Professional Liability
  • Country Club Custom Endorsement

Among the types of companies eligible for coverage are retail, restaurants, franchised motels and hotels, funerals, beauty parlors, and non-profits. They also have a business owners package policy for what is known as “main street businesses” – small shops, offices, bakeries, delis, and similar small businesses.

Farm Insurance

Farm insurance is Brethren’s oldest product, and they offer three levels of package policy to meet the needs of various types of farmers.

Their Farm Plus endorsement is available to add extra coverage to the package policy, providing 125% replacement cost coverage on the farm dwelling along with coverage for embryos, refrigerated goods, identity fraud, and credit card coverage, among other extra protection.

Farm Equipment Breakdown coverage is included in every package policy. Add-ons include worker’s compensation and farm auto.

Brethren Mutual Insurance Rates

Being a local-agent driven company, Brethren Mutual offers quotes only through those agents. There is no method of obtaining a quote online.

Smaller companies are often more expensive than major national insurers but usually aim to make up for the higher rates with excellent customer service and other perks. A mutual insurance company that sometimes includes kickbacks to policyholders when there is profit surplus. That may appear as rate reductions or as dividends.

The best way to get affordable insurance rates is through discounts. Did you know that good credit can reduce your insurance cost? According to the Federal Trade Commission, companies and services will reduce rates for good credit because the consumers are less likely to encounter risk. In insurance, that means the consumer is less likely to file a claim.

Although you can’t receive a quote online, Brethren Mutual’s customers can pay online. Also, Brethren Mutual agents login using a website separate from payments.

Brethren Mutual Insurance Claims

Brethren Mutual has two separate claims phone numbers. One is available during business hours, which are listed as Monday through Friday from 8:00 a.m.to 4:30 p.m. (presumably Eastern time based on the head office location). The other line is the after-hours claims line, which is serviced by a third party.

Online claim reporting is not an option for this company. This is not uncommon for smaller companies, but in this day and age, it is something we are starting to expect even from the lowest insurer, and in particular, those that do not have a dedicated 24-hour claims line.

Brethren Mutual uses a third party direct repair network called CEI, which provides preferred repair shop services. Work through these companies comes with guarantees on work and direct connection to the claims department; customers are always free to choose the repair shop they prefer.

Auto glass claims are also serviced by a third-party provider, Gerber National Claim Service. This service is used only for auto claims that involve glass repairs solely.

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Brethren Mutual Insurance Ratings and Consumer Reviews

Brethren Mutual Insurance’s A.M. Best rating is an “A-.” The company’s Better Business Bureau (BBB) rating is an “A+,” and there is only one complaint on file in the past three years. That is excellent, even for a small company where complaint volume is generally lower.

The company’s Facebook page has only four reviews, with a 2.8-star rating overall that stems from a combination of two negatives and two positive reviews. Unfortunately, positive reviews do not include any commentary. One of the negative reviews reported claims handling problems. The other is more general.

There’s not much more out there in terms of customer opinions of this company. The low complaint volume generally comes out as a positive thing for Brethren Mutual.

Brethren Mutual Insurance Company: The Bottom Line

Brethren Mutual has a long history and a good reputation. We found nothing of concern in the reviews or ratings. Without much information on products and rates, it is difficult to make a recommendation for this company. Still, Brethern Mutual may appeal to companies or businesses that prefer to work with an agent versus a direct buy experience.

If you want to know more, visit the Brethren Mutual website.

Frequently Asked Questions: Brethren Mutual Insurance Company Review

For the final section of this review, we’ll cover frequently asked questions that appear on search engines across the internet. Get more expert insurance reviews by visiting our main page. Click the logo at the top left to browse articles, guides, and reviews of the top insurance companies in the nation.

If you’re ready to compare the best home insurance companies, life insurance companies, or the top car insurance companies now that you’re done reading our Brethren Mutual Insurance review, enter your ZIP code in the FREE comparison tool below.

#1 – Is Preferred Mutual a good insurance company?

According to Indeed.com, Preferred Mutual has above average work-life balance, pay and benefits, and job security ratings. Overall the company has a moderate score among employees.

#2 – What are the benefits of a mutual insurance company?

Customers of a mutual insurance company share profits from dividends. Mutual insurance companies generally have lower rates than stock insurance companies.

#3 – How does a mutual insurance company work?

Mutual insurance companies provide insurance coverage while distributing profits from rates and other investments to customers (policyholders).

#4 – Is a mutual insurance company a corporation?

Yes. Mutual insurance companies are corporations that are owned by the policyholders. Each policyholder is a contracted creditor to the corporation.

#5 – Who is the largest mutual insurance company?

State Farm is the largest mutual insurance company in the United States.

 

References:

  1. https://www.naic.org/prod_serv_alpha_listing.htm
  2. https://www.consumer.ftc.gov/articles/0152-credit-scores

 

For a list of companies that we recommend, visit our Best Insurance Companies page.

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

1 Comment

  1. AS AN AUTO REPAIR FACILITY WE ARE VERY UPSET WITH YOUR COMPANY. ONE OF YOUR CLIENT’S HAD THEIR VEHICLE TOWED TO OUR SHOP. YOUR ADJUSTER [Redacted] ASK US TO TROUBLE SHOOT THEIR COMPLAINT, AS POSSIBLE SUPPLEMENTARY DAMAGE TO THEIR ACCIDENT . AFTER EXAMINING THEIR VEHICLE, WE REQUESTED YOUR SENDING YOUR APPRAISER. [Redacted] CALLED US CHECKING ON THE CAR SEVERAL TIMES IN THE PAST WEEK, AND WE RELAYED THAT NO ONE HAD COME. YESTERDAY [Redacted] CAME IN AND AFTER WE TALKED TO HIM AND EXPLAINED WE COULD FIND NO ADDITIONAL PROBLEM, HE TEST DROVE THE CAR AND AGREED IT WAS OK. TODAY [Redacted] CALLED TO CHECK ON THE VEHICLE, AND AFTER HEARING THE OWNER HAD TAKEN THE CAR, INFORMED US YOU WOULD NOT BE PAYING THE TOW BILL, WHICH WE HAD PAID AS NORMAL COURTESY TO INSURANCE CO WHEN A CAR WAS REQUESTED TO BE TOWED HERE. [Redacted] IS DENYING SHE AUTHORIZE IT. HOW COULD SHE DO THIS? WE FEEL WE HAVE BEEN HAD BY THIS ACTION, AND ARE UNHAPPY WITH YOUR DECISION. COULD YOU CONTACT US CONCERNING THIS ?

    Reply

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