Everything You Need to Know About MMG Insurance in 2022

With over 120 years of industry experience, MMG Insurance is a trusted company for residents and business owners. While they only service five states, they have an extensive catalog of auto and business owner's insurance. MMG is also lauded for its customer service and easy processes.

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Melissa Morris has a BS and MS in exercise science and a doctorate in educational leadership. She is an ACSM certified exercise physiologist and an ISSN certified sports nutritionist. She teaches nutrition and applied kinesiology at the University of Tampa. She has been featured on Yahoo, HuffPost, Eat This, Bulletproof, Vitacost, LIVESTRONG, Toast Fried, The Trusty Spotter, Best Comp...

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Written by Melissa Morris
Professor of Nutrition & Kinesiology Melissa Morris

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 17, 2022

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The Highlights

  • MMG Insurance Company has been in the industry since 1897, offering a wide range of coverage options from personal to commercial insurance
  • MMG is rated A+ by the BBB and is recognized for its excellent customer service, easy payment and claims processes, and user-friendly website
  • MMG’s main restriction is that its insurance options are only available for customers who reside in Maine, New Hampshire, Pennsylvania, Vermont, and Virginia

The first step to acquiring an insurance policy is selecting a company. Whether you’re seeking a personal homeowners policy or commercial auto insurance, it’s important to work with a reputable company that offers quality coverage options for your needs.

If you’re currently shopping for insurance, you can explore MMG Insurance Company and its wide portfolio of insurance policies. MMG Insurance is well-recognized in the industry, having been in business for over a century. So if you’re looking for a company that can provide all of your coverage needs, you should consider their options.

This article will discuss everything you need to know about MMG Insurance Company, including their coverage options, discounts, customer service, ratings, and reviews.

MMG Insurance Company Overview

Maine Mutual Group (MMG) Insurance Company was founded in 1897 and has since expanded its network to over 3,200 insurance agents. Given its long-standing experience, superior customer service, diverse coverage options, and easy claims process, MMG Insurance has quickly become a leading choice in the industry.

With all this in mind, the primary drawback with MMG Insurance is that they don’t offer their services nationwide. The company only services five MMG insurance locations — Maine, New Hampshire, Pennsylvania, Vermont, and Virginia. Thus, if you reside elsewhere, you won’t be able to obtain its insurance products.

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Insurance Policies Offered by MMG Insurance

MMG Insurance Company offers an extensive range of insurance coverage to cater to individuals. No matter what policy you acquire, you can work with your independent agent to tailor it to your specific needs.

Personal Insurance

Personal insurance refers to policies that protect individuals against losses resulting from injury, property damage or loss, and death. MMG’s personal insurance options include the following:

  • Automobile. Auto insurance is required for drivers in every state. At a minimum, it includes property damage liability coverage. However, you can also obtain more policy add-ons like collision and comprehensive insurance.
  • Homeowners. Homeowners insurance provides coverage for property damage from unexpected events and injuries that may occur on your property. In addition, MMG offers a Home Advantage and Home Advantage Ultra plan based on your needs.
  • Dwelling fire. Dwelling fire insurance can help cover damage and losses to properties aside from your primary home. You can pair this policy with other MMG insurance policies under a portfolio package to receive additional savings.
  • Renters. You can obtain MMG’s renters insurance to protect yourself from unexpected events if you’re renting a unit. It covers damaged and lost items, injuries in your unit, and extra living expenses incurred while you repair your unit.
  • Personal umbrella. Personal umbrella insurance provides liability coverage beyond your auto, homeowners, or watercraft insurance coverage. It serves as an added layer of protection to prevent financial losses.
  • Watercraft. MMG’s watercraft insurance provides coverage against property damage and injury claims that may result from your boat or yacht.
  • Snowmobile. Like watercraft insurance, snowmobile insurance covers damage to your vehicle and potential injuries.

Overall, MMG offers virtually all types of personal insurance that you may need based on your specifications. Whether you’re renting a home or own your property, you can find the right policy.

Commercial Insurance

Where personal insurance focuses on individuals, commercial insurance provides coverage for businesses to protect them from risks like lawsuits and liabilities. MMG also offers commercial insurance policies, including:

  • Business automobile. This insurance covers physical damage and liability for vehicles used in your business, such as cars, vans, trucks, and the like.
  • Business owner. MMG’s business owner insurance is designed for small and medium businesses seeking coverage for property damage and liability claims.
  • Commercial umbrella. Commercial umbrella insurance allows you to obtain extra liability coverage for your business. It comes in handy when dealing with claims that exceed your standard policy’s limits.
  • Farm owner. Farm owner insurance is a comprehensive policy that covers your farm and all farming operations, livestock, and personal liability.
  • Farm owner umbrella. With this insurance, you can extend your liability protection to avoid financial losses from major accidents or catastrophes.
  • Special trade contractor. This insurance is designed to protect your contracting business. It includes coverage for business properties and liability protection in the event of lawsuits.

Protecting your business is just as important as protecting your personal assets, and this is possible with a commercial insurance policy. If you aren’t sure which type will be best for your needs, you can always reach out to MMG’s independent agents for assistance.

Discounts Offered by MMG Insurance

Like other insurance companies, MMG offers discounts for bundling multiple insurance policies, which it compiles into a Portfolio Package. For example, you can combine your farm owners insurance with umbrella insurance to save money and integrate all your expenses into one bill.

Unfortunately, MMG doesn’t specify what discounts they provide, so you’ll need to speak with your independent agent. As a guide, here are some common discounts applicable to different policies. You can use this as a checklist to ensure that you maximize the discounts you receive:

  • Anti-theft 
  • Multi-policy 
  • Homeowners 
  • Military 
  • Good student 

Ultimately, these discounts can help you cut down on your insurance costs — even in the smallest ways. So make sure that you discuss this with your agent to determine more about your options.

MMG Insurance Customer Service

Customer service is one of MMG’s key strengths and a major reason why they’re recognized in the industry. They have constantly innovated their processes to keep up with the times and provide a more seamless experience for customers over the years.

Since MMG operates with an agent network, you will be paired with an independent agent to handle your policy needs. This setup allows the company to provide a more personalized experience for each client.

For more information, here are some key features of MMG’s customer service:

  • Application. If you’re interested in purchasing one of MMG’s policies, you can connect with your local agent to discuss your options. Your independent MMG insurance agent can recommend the best coverage to suit your needs.
  • Online bill payment. You can easily pay your monthly premiums online to ensure that you won’t miss a payment.
  • Claims reporting. You can file claims online using your MMG insurance login or call the company. MMG offers a 24/7 service line for phone claims reporting, so you can easily contact them at any time of day.
  • Website. MMG has an informative and user-friendly website, which is a great contact point for your questions. The site allows you to do everything, from viewing your policy to making payments and finding a repair shop.

If you can’t find something you need, you can also contact the company through the MMG Insurance phone number at 1-800-343-0533. 

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MMG Insurance Company Ratings and Reviews

MMG has an A+ rating from the Better Business Bureau (BBB), indicating an excellent evaluation and likelihood to resolve claims. Likewise, they’ve been awarded an A rating from A.M. Best for their consistent financial health and stability.

Aside from these, MMG has received many awards from leading industry organizations. Some of their recent recognitions include the following:

  • 2021 Best Places to Work in Maine (Best Places to Work in ME Survey)
  • 2020 Company of the Year (Maine Insurance Agents Association)
  • 2020 Silver Level Digital Insurer Award (IVANS)

Based on customer reviews, MMG has also received good feedback from satisfied clients. Customers’ positive points include good rates, bundle discounts, and an easy claims process. However, some customers have also mentioned unfavorable experiences, so it’s worth taking the time to read reviews to make a more informed decision.

MMG Insurance: The Bottom Line

MMG Insurance has been in the insurance business for over a century now, so you can trust the company as a reliable insurance partner. Whether you’re seeking a personal policy or something to protect your business, it offers several coverage options. You can also work with your independent agent to tailor your policy to fit your needs.

Now that you know more about MMG, you’re ready to shop for your insurance policies. While doing so, remember to compare insurance quotes beforehand to ensure that you find the best deal.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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