Wisconsin Mutual Insurance Company Review & Complaints: Auto, Home, Farm & Business Insurance (2023)

Based in Madison, Wisconsin Mutual Insurance Company has more than 100 years of experience serving their regional market. Looking to buy Wisconsin Mutual auto insurance? If you want to compare car insurance or other offerings, you can’t get an online Wisconsin Mutual Insurance quote. However, you can get one through your local insurance agent.

Wisconsin Mutual writes a basic lineup of personal and business insurance coverage options along with some specialty products, and recently expanded into Minnesota.

Hoping to find affordable Wisconsin Mutual auto insurance? Compare insurance quotes today to make sure you are getting the best deal. Enter your ZIP now to start receiving quotes to compare with your current Wisconsin Mutual Insurance policy.

What types of insurance products are offered?

Wisconsin Mutual writes both personal and business insurance, including home insurance, auto insurance, farm, and business package policies.

Auto Insurance

Auto coverage is offered 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.

Read more: Can I get car insurance for a car that is used for teaching or driver education purposes?

The company’s auto policies include all of the basics — liability, collision, and comprehensive coverage — as well as several add-ons such as rental reimbursement, roadside assistance, custom sound equipment coverage, trailers, and loan/lease gap coverage.

Common auto insurance discounts offered by the company include multi-policy, good student, and safe driver. Some discounts are offered only in Minnesota.

Check out this table of the auto discounts offered by Wisconsin Mutual.

Wisconsin Mutual also allows you to bundle these discounts so you can really rack up the savings.

Home Insurance

This insurance provider offers a variety of home insurance policies including standard homeowners, seasonal, and country home policies.

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.

Farm Insurance

A farm owner package policy that covers the home and personal property, as well as farming operations and equipment, is offered. This policy differs from a country home policy in that it is intended for true farming operations.

Several types of small to medium operations can be covered by this program, including dairy, beef, hogs, horse, and grain.

Business Insurance

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.

Umbrella Insurance

Wisconsin Mutual writes umbrella insurance policies for all three of its lines of business. Personal, commercial, and farm umbrella plans can be purchased to provide extended liability protection above and beyond the underlying policies.

Are the auto insurance rates competitive?

Online quoting for this type of coverage is not offered, 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 the insurance costs 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.

How are claims processed?

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 for the user to report the claim through their agent. After-hours emergency claims have a separate phone number that is available after business hours.

The Wisconsin Mutual Insurance Company’s phone number is 800-831-5959.

Wisconsin Mutual Insurance customer service, policyholder access, and agent login are all available on the company website.

The company 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.

Are the reviews and ratings positive?

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.

Google reviews rate Wisconsin Mutual with 2.9 stars, out of 22 reviews. The company did not respond to most of the reviews, positive or negative.

What is the history of Wisconsin Mutual?

Originally named Wisconsin Tornado Mutual Insurance Company, Wisconsin Mutual was founded in 1903 in the city of Milton, WI. The company relocated to 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.

Digital and Technological Features for Wisconsin Mutual Insurance Company

Mobile App Features and Functionality.

Wisconsin Mutual Insurance Company offers a mobile app that provides policyholders with convenient access to their insurance information.

While specific details about the app’s features and functionality are not provided in the available information, mobile apps from insurance companies typically allow users to view policy details, initiate claims, make payments, and contact customer support easily. Policyholders can benefit from the convenience of managing their insurance needs on the go.

Online Account Management Capabilities.

The company’s online account management capabilities are not extensively detailed in the available information. However, it is common for insurance companies to offer online account management platforms where policyholders can log in to view and manage their policies, make payments, update personal information, and access important documents.

These online tools can enhance the overall customer experience by providing easy access to policy-related information.

Digital Tools and Resources.

While specific digital tools and resources offered by Wisconsin Mutual Insurance Company are not detailed, insurance companies often provide resources such as educational materials, blogs, FAQs, and guides on their website to help policyholders understand insurance products and make informed decisions.

These digital resources can be valuable for customers seeking information about insurance coverage options and related topics.

What’s 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.

Shop around to get the best deals on your insurance, whether it’s for your automobile or home. Enter your ZIP now to have quotes sent to you that you can compare with your Wisconsin Mutual auto insurance quotes.