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Central Mutual Insurance Review & Complaints: Home, Auto & Business Insurance

Central Mutual Insurance Company offers home insurance, auto insurance, and business insurance with policies including the Central Mutual Summit Homeowner's plan. You can get a Central Mutual quote from an independent agent since there is no option for online quotes on the Central Mutual website.

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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 10, 2020

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Central Mutual Insurance
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In business for more than 140 years, Central Mutual is a homegrown insurance company with roots in small-town Ohio. They write both personal and commercial insurance policies in more than 20 states.

About Central Mutual

Central traces its roots back to the Van Wert Country Mutual Fire Insurance Company, which was founded in its namesake town in 1876. As the company expanded beyond its home county, a name change to Central Manufacturers’ Mutual took place. Shortly after expansion that opened the first branch office in Boston, the company simplified the name to Central Mutual Insurance.

The 1950s saw further expansion, with branch offices opened in Dallas and Atlanta, and in 1961 a companion stock company, All American Insurance Company was created. The two companies operate as Central Insurance Companies, and they serve 23 states through local independent agents.

Central Mutual writes auto insurance and homeowners on the personal side as well as business insurance policies. States covered are: Idaho, Illinois, Indiana, Kentucky, Michigan, Ohio, Utah, Connecticut, Massachusetts, New Hampshire, New York, Georgia, Maryland, North Carolina, South Carolina, Tennessee, Virginia, Arizona, Colorado, Nevada, New Mexico, Oklahoma, and Texas.

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Central Mutual Products

Central Mutual offers three basic product lines. Policy availability and coverage vary from state to state.

Home Insurance

Home, condo, rental, and tenant insurance policies are all available under Central Mutual’s home insurance line.

Their Homeowner’s policy is available as a base level policy or with as one of several enhanced policies. The standard policy covers replacement cost for the home, personal property, liability, and other basics, with the option to add on endorsements.

The Summit policy is an enhanced package that adds on additional coverage, such as higher limits for unscheduled personal property and guaranteed replacement cost coverage on the dwelling. Other added benefits include:

  • Stolen key coverage
  • Credit card and forgery protection
  • Food spoilage
  • Increased debris removal coverage
  • Data recovery
  • Water backup coverage

The Signature policy is the highest level of homeowner’s coverage, and it includes even more added benefits. In addition to guaranteed replacement cost for the home, it also includes replacement cost on personal property. Other benefits include:

  • Replacement cost loss settlement paid even before repairs are complete
  • Cash out settlement option
  • Waiver of deductible for claims over $50,000
  • First claim forgiveness
  • Extended living expenses
  • Tree removal and replacement
  • Utility line protection
  • Water backup
  • Fraud protection
  • Loss prevention device installation coverage

Most of the included items on the package policies can also be added a la carte to the base level policy for customization. A Plus Ten endorsement is offered that adds ten of the most popular endorsements to the policy in one.

In addition to traditional homeowners, Central Mutual also writes policies for condos and for rental units. Renters insurance coverage for personal property and liability is also available.

Auto Insurance

Like the home insurance products, auto insurance is also offered at several levels.

The base policy covers all of the basics, including liability with the option to add full coverage.

The Summit policy offers more comprehensive coverage, with added benefits like

  • Loan/lease gap coverage
  • Lockout coverage
  • Increased medical payments limits
  • Transporation expenses
  • Airbag replacement
  • Personal effects
  • Towing coverage
  • Waiver of deductible on specific types of loss
  • Death benefit
  • Pet protection
    Child car seat coverage

The top-level plan is again the Signature. In addition to everything above, this plan also includes OEM parts replacement, worldwide rental car coverage, and short-term replacement cost loss settlement.

Several individual endorsements are available, as well as a package endorsement called Auto Plus that includes several popular optional coverages.

Business Insurance

Central Mutual writes business package policies for a variety of industries, including light industrial, service industry, wholesalers, auto service/repair, builder’s risk, restaurants, retailers, and contractors. Professional offices can also obtain coverage.

The packages can be customized to each company’s needs based on the industry and include:


Central Mutual does not have an online quoting option, in keeping with their long history of sales through independent agents.

It is unlikely that they are competitive with the lowest priced of direct sales insurance companies, but they do offer very comprehensive policies with plenty of add-ons, it might be important to focus on value than the premium here.


Claims can be filed online my logging into your myCentral account, through the myCentral mobile app, or even through the company’s Facebook page. We found that last one to be a surprising option, not only for a smaller company but for any company – it is the first time we have seen this option offered.

Claims can also either be filed by contacting your agent directly, or by calling a toll-free line. There is no indication as to whether or not the line is available 24/7. The company also has a separate line for auto glass claims.

The online login can also be used to keep tabs on the progress of your claim. In terms of the actual claims process, there is little information.

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Ratings and Consumer Reviews

Central Insurance Companies has an A+ rating with the Better Business Bureau (BBB), with only 9 complaints on file in the past three years. Only two complaints were filed in the past 12 months.

We found only 4 reviews on Yelp, for an overall 2.5-star rating. The complaints are split between billing issues and claims, but all four cite slow response time and lack of helpful customer service.

Overall, there is very few reviews of this company out there, and not a large enough complaint volume to raise any major red flags.

The Bottom Line

Central Mutual offers some very good personal insurance policies, with the option for a lot of bells and whistles as well as a more basic, budget plan. Without any rates, we can’t say just how much value is really offered with these policies, but we don’t see anything in the complaint volume that leads us to be worried about the customer service side. If you want the personal service of an agent and seek value over the lowest price, they might be worth a look.

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

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Review Information

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Central Mutual Insurance
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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. We have a homeowners policy with Central Insurance and our experience filing a claim has been awful. They worked overtime from the get-go to deny our claim, minimize our immense damage and even treated us with disdain. The worst insurance company and a horrific experience- go ANYWHERE else.

  2. Central Insurance is one of the worst companies to deal with, be sure to read your policy thoroughly, there are more exclusions vs. coverage when it comes to homeowners insurance. Would NOT recommend this company to anyone and if you have their insurance, I suggest you review other insurance companies. We had two claims over 20 years and they have rejected BOTH and paid a total of $88 on a $10000 damage claim to our home and nothing for hail damage to our roof.

  3. I was involved an an auto accident with no witnesses and the damage to our vehicle (less than a year old) was quite substantial at about 13k!

    When I gave them all the info, the folks at Central really went to bat for me but, unfortunately in Texas, if you enter a road out of a private driveway, you are automatically at fault. Even if you did everything right and the other driver was clearly in the wrong.

    Everyone at Central was a pleasure to deal with and my claim was dealt with very promptly and without any delay or fuss.

    FYI – We have both our home and auto(s) with Central.

  4. As a client of Central Mutual Insurance: A client of another insurance company backed into the side panel of my 4-door mid-sized sedan the with the front driver’s side bumper of a large truck .

    Our immediate conversation was pleasant and we untangled the crunch and each of us moved our vehicles as the rear end of my sedan was close to a roadway

    A patrol officer was called and a police report was available 7 days later. The police report was exactly correct in all detail. The conclusion of the officer was that the driver of the large truck had not seen my car and had swung about and collided with my mid-size sedan.

    The driver of the large truck had taken a photo of my sedan after we had moved both vehicles. He claimed (to my insurance company as well as his own ) that I was parked in a striped area on private property when he hit me. Not relevant to the accident which had occurred an hour earlier.

    The adjuster of Central Insurance (my insurer) looked at the one photo and said the accident was my liability -the driver of the truck had some lesser fault. She commented twice that she did not see, from the photo, how he could have possibly even hit me at all. Indeed-the vehicles had been moved.

    I questioned the discrepancy with the whole of the police report. -opposite conclusions?

    Beware of Central Insurance Company adjusters.

    This is a tough one to figure . Naturally I might have suspected the driver’s insurer to advocate for the statement the driver of the truck made up. I did not expect my adjuster to ignore the police report without question in favor one photo provided by and taken by the driver identified in the police report as having liability.

  5. Absolutely one of the worst experiences I have ever had with an insurance company. Our car was hit by someone “insured” by Central Mutual. If this happens to you, be prepared for a lengthy battle. This company is shady and very slow to pay. Getting in touch with the person handling our claim was next to impossible, I only managed to speak to him once despite numerous calls. As another person pointed out, you must take the issue into your own hands or nothing will get completed. Our car had a supplemental claim due to hidden damage that was quite sizable. I had to hound Central to get them to pay and when they did, it was by check. Forget receiving equitable compensation for loss of use. They wanted me to pay for a rental car for over a week while we were waiting for the vehicle to be repaired (the body shop could have done it in less time if it were not for waiting for Central Mutual). In the end, Central only paid a fraction of what it would have cost for a rental, glad we found other means or we would have been out hundreds. Avoid this company at ALL costs!

  6. Literally the most agonizing process of my life was dealing with an insurance agent with Central Insurance. A guy who has insurance with them hit me and totaled my car. The accident happened on a sunday and it was almost a week before the insurance agent reached out to me. It took him another week to send an adjuster to my home to estimate my car, and another week before telling me there were going to total my car. This guy arranged to have my car picked up before even starting the paperwork to give me my payment for my car. He also took the day off work on the day my car was supposed to be picked up and I had not yet received any indication that I would get payed for my car. He told me all it took was for him to send me an email back and my check would come in 4 days. He never emailed me back. I had to take my car accident into my own hands because this bone head couldn’t do anything for me. If you get in a wreck with someone who has this insurance… I’ll pray for you.

  7. Overall the company is good. Ive worked with [Redacted] and [Redacted] who are both extremely helpful and sweet. The agents who handle claims on the other hand, not so much. Hopefully you don’t get the pleasure of working with [Redacted] if a driver hits you and then tries to sue you with a cheap attorney even though you have a witness and the driver is underinsured. Instead of telling you what he’s doing he will just make you think everything is okay and that he will take care of you, come to find a year later (after you’ve never heard from him about it) that he didn’t want to go to court so he settled a $28,000 claim at your fault :) Oh and then you call him over and over, leave voicemails, and email him only to get no response.

  8. Worst company – getting in touch with an agent is like pulling teeth.


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