Patriot Insurance Review & Complaints: Auto, Home, Life & Business Insurance

Patriot Insurance Company began as a Blue Cross Blue Shield insurer. They have since expanded to offer a full line of individual and business insurance products, though they no longer offer life insurance, instead it offers casualty insurance. Their products are offered across Maine, Vermont, and New Hampshire.

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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 place to get it.

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Written by Eric Stauffer
Founder & Former Insurance Agent Eric Stauffer

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 1, 2022

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Patriot Insurance Company

Financial Strength

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Serving three Northeast states, Patriot Insurance started out as a Blue Cross Blue Shield health insurer. They have since expanded to offer a full line of individual and business insurance products.

What is Patriot Insurance?

Patriot Mutual Insurance Company was founded in Maine in 1966, a subsidiary of Blue Cross and Blue Shield of Maine. The official company name was Blue Mutual Alliance d/b/a Patriot Mutual Insurance Company. For several decades the company operated in the health insurance industry.

IIn 2002, Patriot began expansion into property and casualty insurance. A 2007 merger with Frankenmuth Mutual Insurance Company expanded the product lineup further, and in 2015 they began writing life insurance in both Maine and Vermont. Today the company has dropped health insurance operations in favor of property and casualty insurance.

Patriot offers all the basics of personal and business insurance solutions across Maine, Vermont, and New Hampshire. Further coverage areas fall under partner company Frankenmuth Insurance, but this review will focus on Patriot products. Not all products are available in all states, and products are sold through independent insurance agents. Patriot insurance plans have a wide range of plane limits and deductible options.

Patriot’s headquarters is located in Yarmouth, Maine.

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What types of insurance products are offered?

Patriot writes all the basics of individual insurance, as well as several specialty products. On the business side, they provide full-service commercial insurance in a variety of industries.

Auto Insurance

Patriot offers full coverage auto insurance policies with a variety of options including rental car coverage and towing. Although the website does not offer much detail or a full list of discounts, safe driving discounts are listed.

Collector Car Insurance is also available for antique, classic, and collector or modified vehicles. This coverage is specialized to the needs of show or pleasure vehicles and offers appraised value replacement cost not available on standard auto insurance policy.

Home Insurance

Patriot has two levels of homeowners insurance as well as condo and renters policies available.

Home Protector is a standard package homeowner’s policy. It covers the structure itself as well as other buildings on the premises, personal property, and liability. There are a number of add-on endorsements available.

Ultra Home Guardian is a premier homeowner’s insurance policy that includes upgraded coverage. Many items that are options on the standard policy are included in this package, such as water and sewer backup, lock replacement, landscaping damage, fire department charges, and more.

Condo insurance covers the specific needs of condo owners, protecting the property from the walls in and also covering personal property and liability.

Renters insurance provides personal property and liability coverage for tenants who do not need structure coverage.

Patriot also offers Dwelling Fire insurance, which is aimed at second home and vacation homes. This type of policy provides for the special risks that come with a home that is not always occupied.

Life Insurance

Patriot offers term life insurance and whole life insurance policies but provides little information regarding the products.

Term life insurance policy is available in 10, 20, or 30-year terms, and is renewable and convertible. The website does not offer details or any information on benefit amounts.

Whole life is available with a variety of payment methods, including single payment, lifetime pay periods, or on retirement.

Both life insurance policies can be bundled with home and auto for a discount across the board.

Other Personal Insurance

In addition to the basics, Patriot writes coverage for snowmobiles and a variety of watercraft. They also offer personal umbrella insurance for increased liability.

Business Insurance

Patriot offers a full range of commercial insurance, from package policies to a la carte choices.

The Commercial Package Policy is tailored to the needs of small businesses and includes commercial property, commercial liability, and a selection of other coverage that meets each company’s needs. These can include employment practices liability, liquor liability, crime insurance, and inland marine coverage.

Similarly, Patriot’s Business owners Policy (BOP) is a package that includes many of the basics small business owners require with additional options. Included are building and contents coverage, liability, and loss of income, among others.

Also offered as individual or in package policies are:

  • Business Auto
  • Worker’s Compensation
  • Commercial Umbrella
  • Data and Cyber Liability
  • Employment Practices Liability
  • Equipment Breakdown Coverage
  • Professional Liability
  • Loss Control

Are the insurer’s rates affordable?

Patriot is an agent-driven insurer and as such does not offer online quoting. In fact, the website offers its justification for this decision in the form of a page dedicated to the value of personal service from an agent.

Without a quote we are unable to compare rates to others; furthermore, they do not offer coverage in our usual sample state. Small insurance companies that rely on agents do not usually compete well with the large, national insurance companies. That said, Patriot does offer bundling discounts across auto, home, and life, which can make a big difference in rates.

Only whole or full month premiums will be considered as refundable.

How are claims processed?

Although it chooses not to offer online quoting, it does offer claims reporting options on par with a larger company.

There is a 24/7 claims reporting line that can be reached toll-free. Policyholders can also contact their agent in order to file a claim. Finally, claims can also be filed online, with different portals for reporting different types of claims, from auto physical damage to worker’s compensation.

They also offer a claims FAQ section and a page dedicated to helping customers decide which claims reporting method is best suited to their needs. Overall, claims information is comprehensive and easy to locate.

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Does the company have positive ratings and consumer reviews?

Patriot Insurance Company currently has an A+ rating with the Better Business Bureau (BBB), and there are no complaints on file for the past three years.

There are a total of 12 reviews on Google with an overall star rating of 2.4. Among the negative reviews, there are a few positive reviews scattered, bringing up the overall rating. Most complaints are in regard to denial of claims and problems with adjusters, common complaints to most companies.

Patriot Insurance is rated A (excellent) by A.M. Best and A- by Standard & Poor’s.

We were unable to find much else in terms of reviews of this company. Overall the complaint volume is low and the content of the complaints is not unusual.

Does Patriot  offer pre-existing condition coverage?

Patriot does offer acute onset of a pre-existing condition. To learn more about this benefit, please see below.

– Acute Onset of a Pre-existing Condition – Under 70 years of age, up to period of coverage maximum limit.

– Acute Onset of a Pre-existing ConditionEmergency Medical Evacuation – Under 70 years of age, $25,000 maximum limit.

All coverages and medical care are shown in U.S. Dollar amounts and are per person and per certificate period of coverage unless otherwise noted.

Patriot Insurance Review & Complaints: What’s the bottom line?

Patriot Insurance will appeal to those who like a homegrown company with the personal service offered by an agent. The lack of information on products and rates makes it difficult to compare them to other companies, but there is nothing in the reviews or ratings that raises red flags. They offer one-stop shopping for most needs and plenty of online services outside quoting, combining the old school with the modern.

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Are you looking for free insurance quotes?

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

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