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About Wisconsin Mutual
Originally named Wisconsin Tornado Mutual Insurance Company, Wisconsin Mutual was founded in 1903 in the city of Milton, WI. The company relocated in Madison in 1946 and change its name to the current version at the same time.
The company has grown to insure more than 100,000 homes and 50,000 cars in the state of Wisconsin. They also offer farm, business, and umbrella insurance. Products are sold by a network of more than 1,000 agents across the state. In 2017, Wisconsin Mutual made its first move beyond the borders of its home state, expanding to offer coverage in neighboring Minnesota.
Wisconsin Mutual Products
Wisconsin Mutual offers auto insurance at several levels. Their standard program is for drivers of average or above average risk, while the premier program is for those considered to be an above average risk and requires a clean driving record.
There is also an Educator program for teachers, professors, and school administrators holding a valid teaching certificate. The last program option is the Farm program which is tailored to the needs of farmers and their families.
Auto policies include all of the basics – liability, comprehensive, and collision – as well as several add-ons such as rental reimbursement, roadside assistance, custom sound equipment coverage, trailers, and loan/lease gap coverage.
There is a list of common discounts that includes multi-policy, good student, and safe driver. Some discounts are offered only in Minnesota.
Wisconsin Mutual offers a variety of home insurance policies including standard homeowners, seasonal, and country home.
The Standard program is available to traditional single-family homes, condos, and mobile homes that are average to above average and do not qualify for higher level insurance programs. Premier is the program for 1980 or newer homes that have a higher value and meet specific update standards. Finally, Premier Plus is the highest-level program, again aimed at newer and higher value homes and with more stringent requirements.
Country Home policies are for hobby farms or country ranch type homes that are more rural in setting and include some incidental farming or ranching operations. This plan includes farm liability and equipment coverage.
Seasonal home insurance is available for vacation homes that are not occupied during certain parts of the year. The program covers three-season homes and requires a primary residence insured with the company.
Finally, dwelling policies are available for 1-4-unit non-owner-occupied residences. This product is aimed at the needs of landlords.
Wisconsin Mutual offers a farmowner package policy that covers the home and personal property as well as farming operations and equipment. This policy differs from a country home policy in that it is intended for true farming operations.
Several types of small to medium operation can be covered by this program, including dairy, beef, hogs, horse, and grain.
Both Businessowners package policies and Artisan policies are offered, including basic coverage needs such as liability and business property coverage. The site offers little information on these policies.
Wisconsin Mutual writes umbrella insurance policies for all three of their lines of business. Personal, commercial, and farm umbrella can be purchased to provide extended liability protection above and beyond the underlying policies.
Online quoting is not offered for Wisconsin Mutual, which is not uncommon for this type of insurance company. Quotes can be obtained through a local agent; the website offers an agent locator by zip code search.
In general, companies like Wisconsin Mutual do not have the least expensive rates, and usually, make up for this with a greater focus on customer service. We would not expect them to compete with the big-name companies on rates, particularly direct buy companies like GEICO, but rates are only a part of the total value offered by a policy.
Claims can be reported in one of three ways. There is an online claim reporting form, a toll-free main phone number, and the option to report the claim through your agent. After-hours emergency claims have a separate phone number that is available after business hours.
Wisconsin Mutual has a direct repair program using preferred repair shops that work directly with the insurance company on claims. The insured can use any shop of their choosing, but they must provide two different quotes if not using a direct repair shop.
There are also preferred vendors listed for rental cars as well as for towing services. The auto glass repair program also uses a list of vendors that work directly with the insurance company to handle quick glass replacement or repair.
Ratings and Consumer Reviews
Wisconsin Mutual has an A+ rating with the Better Business Bureau (BBB), with only one complaint on file in the past three years. There have not been any complaints closed in the past 12 months. There is one review on the page, written by someone involved in an accident with a Wisconsin Mutual customer and citing a poor claims experience.
We found no reviews of this company elsewhere, which is generally a positive thing for an insurance company.
The Bottom Line
Wisconsin Mutual may be a good pick if you prefer a smaller, local insurance company and also like to work with an agent to handle your insurance needs. They appear to have solid auto and home programs, but without rate information, it is difficult to determine the value offered. There are no red flags in terms of reputation, and in fact, they appear to have a positive reputation overall.
For a list of companies that we recommend, visit our Best Insurance Companies page.