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Mutual of Enumclaw Summary
Founded in its namesake town of Enumclaw, Washington in 1898 as the Farmer’s Mutual Insurance Company, Mutual of Enumclaw was created to provide protection for farms and other buildings in the small town. By 1963 the company had expanded to Oregon and Idaho, offering personal insurance to residents across three states. The name change to Mutual of Enumclaw took place in 1966.
In 2002, they expanded into Utah, and then Arizona in 2014. Policies are sold through independent agents across all five states. Mutual of Enumclaw remains a mutual company, which means that it is owned by the policyholders and not by shareholders. However, this ownership right didn’t extend to all parts of the company, this article explained the company’s plans to establish domicile in Oregon in order to extend mutuality to customers here. The plan was later approved.
Mutual of Enumclaw writes auto insurance, home insurance, commercial policies, boat insurance, and farm insurance. They are a relatively small company on the national level, but 12th largest in Washington.
Mutual of Enumclaw writes the basics of personal insurance as well as commercial products.
Mutual of Enumclaw writes car insurance that includes all of the basics of coverage as well as common options. This includes a towing and roadside assistance option.
The company also offers the option to extend coverage to a variety of specialty vehicles under the auto program. This includes motorcycles, recreational vehicles, and trailers.
The website does not offer a lot in the way of detail regarding the policy itself or coverage options, directing customers to an agent for more information.
Mutual of Enumclaw writes home insurance that covers structures, personal property, and liability. They write several types of home coverage:
- Standard homeowners
- Rental properties
- Second and seasonal homes
Each policy is designed to cover the specific needs of that type of home. Mutual of Enumclaw offers several add-on options for their home policies, including equipment breakdown coverage.
Coverage is offered for various types of boats and includes trailer and equipment coverage, liability, and coverage for the boat itself. Towing assistance can also be added this type of policy.
Mutual of Enumclaw offers coverage for small businesses as well as medium-sized and large companies. Their commercial policy offerings include:
- Business Owner’s Policy
- Commercial Auto
- Commercial Package
- Commercial Umbrella
It is good to note that the company also tailors package policies to cover the needs of specific industries.
Mutual of Enumclaw’s roots are in farm insurance, so its no surprise that they still have a strong presence in this area. They write coverage for farms, ranches, and orchards, both family-run and commercial.
Coverage includes farm package policies, farm auto, and specific coverage for operations such as dairy farms and wineries/vineyards.
Mutual of Enumclaw sells insurance solely through agents and does not currently offer online quoting. Instead, the customer is directed to a local agent to obtain a quote.
As a result, we are unable to obtain a comparison quote. As an agent-driven company, Mutual of Enumclaw is likely to have higher rates than direct-buy insurance companies in order to make up for the required agent commissions. The company is not one that advertises themselves as being low-cost or budget, so we would not expect to see the lowest rates here. Companies such as Mutual of Enumclaw generally try to make higher premiums worthwhile by offering better customer service.
Mutual of Enumclaw is ahead of some of its competitors when it comes to how claims can be filed.
Claims can be filed 24/7 by phone at 1-877-425-2580.
They can also be filed online, although this requires a policyholder login to gain account access.
Finally, the company has a mobile app through which claims can be filed on the go. This is something most often seen with larger insurance companies, and is less common with small, regional insurers. This use of technology sets Mutual of Enumclaw apart from competitors.
Mutual of Enumclaw’s website does offer a page that informs the client of their claims service and general procedure. This is a great information for a company to have as it gives customers an idea of what they can expect from their insurance company.
Mutual of Enumclaw has an A+ rating with the Better Business Bureau, although they are not accredited. There are only nine complaints filed against the company in the past three years, one of which was closed in the past 12 months. This is a very low number of complaints for a fairly good-sized regional insurer.
There are a few mixed reviews throughout the internet, including some very positive ones. The negative reviews seem to center on slow response to claims, however, there aren’t enough of these complaints to really raise a red flag about this company.
Overall, there are few complaints and nothing that would lead to concern, leaving Mutual of Enumclaw with a pretty good reputation.
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If you live in one of the company’s five service states and do not mind going through an agent to obtain a quote, Mutual of Enumclaw may be worth a look. With a solid lineup of personal insurance basics and a good reputation, the company has the potential to be a contender. They’re unlikely to be competitive with major direct buy insurance companies, so for those who consider price the top factor in an insurance purchase, Mutual of Enumclaw may not make the list. For those who want a good balance of customer service and price, they are likely worth obtaining a quote to compare to similar companies.
For a list of companies that we recommend, visit our Best Insurance Companies page.