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 place to get it.

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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

UPDATED: Dec 30, 2020

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Mutual of Enumclaw Insurance

Financial Strength

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A regional insurer serving five states primarily in the Northwest, Mutual of Enumclaw started as a small farm insurance company and has since grown to be one of the larger insurers in Washington State. They continue to offer farm coverage, but today also provide auto, home, business, and more.

What is Mutual of Enumclaw?

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 the 12th largest in Washington.

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What Types of Insurance Products Are Offered?

Mutual of Enumclaw writes the basics of personal insurance as well as commercial products.

Auto Insurance

The company 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 auto coverage options, directing customers to an agent for more information.

Home Insurance

Mutual of Enumclaw writes home insurance that covers structures, personal property, and liability. They write several types of home coverage:

  • Standard homeowners
  • Condominiums
  • 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.

Additional Products

Boat Insurance

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 to this type of policy.

Business Insurance

The company offers coverage for small businesses as well as medium-sized and large companies. Their commercial policy offerings include:

It is good to note that the company also tailors package policies to cover the needs of specific industries.

Farm Insurance

The company’s roots are in farm insurance, so it’s 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.

Does the Company Offer Competitive Rates?

The company 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 itself 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.

Can Claims Be Filed Online?

Mutual of Enumclaw is ahead of some of its competitors when it comes to how claims can be filed.

Enumclaw insurance 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.

The website does offer a page that informs the client of their claims service and general procedure. This is great information for a company to have as it gives customers an idea of what they can expect from their insurance company.

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Are There Any Consumer Complaints Against the Company?

The insurer 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.

What is the Company’s Financial Strength Rating?

Rating Company Grade Financial Outlook
AM Best A- Stable
Fitch N/A N/A

What’s the Bottom Line?

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.

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