Badger Mutual Insurance Review & Complaints: Auto, Home & Business Insurance (2024)

Wisconsin-based Badger Mutual Insurance offers property & casualty insurance in ten states. Originally formed to provide insurance to churches, today the company offers a range of personal and commercial lines policies.

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What is Badger Mutual?

Badger Mutual Insurance Company was founded in 1887 as a mutual aid society for local churches, which were difficult to insure due to the risk of a lightning strike on tall steeples. Over the decades, the company added more products, including auto insurance and home insurance as well as business insurance for a variety of small business clients.

Today the company serves ten states: Arizona, Idaho, Illinois, Iowa, Michigan, Minnesota, Nevada, Utah, Wisconsin, and Wyoming. Broad coverages, optional coverages, and availability of products vary from state to state. Their headquarters is located on West National Ave in Milwaukee, Wisconsin, and they sell their products through local agents across the service area.

What Products are Offered?

Badger Mutual has both personal and commercial insurance products, focused on property-casualty lines. Of the big three personal insurance products, the only one they don’t write is life insurance.

Auto Insurance

Badger offers a standard auto insurance policy with the option to add on special coverage for a comprehensive product. While the website does not outline which, if any, property-casualty auto coverage is offered in other states, it does describe the Wisconsin TRUST auto program. This program offers additional discounts of up to 33% to drivers with a good credit score.

Additional coverage offered is Badger’s Concierge Service, which is basically a vehicle replacement program. This program ensures that a car totaled within three model years of new will be replaced with a new vehicle, while cars between four and ten years old will be replaced with a vehicle of equal value.

Badger’s auto program includes policies for classic and antique cars, motor homes, and conversion vans, among other specialty products. Discount availability also includes most of the common choices offered by larger insurers, such as multi-policy, loyalty, and a mature household discount.

Home Insurance

Badger writes a standard homeowners insurance policy that covers the structure, personal property, and liability. Like their auto program, they have introduced a home TRUST program in Wisconsin that offers discounts to policyholders with good credit. The TRUST program also includes 150% replacement cost on the dwelling as well as a host of added features such as lock replacement ad refrigerated goods to give more value to customers that the company considers to be financially responsible.

Among the options offered on this program is a special Hail Deductible endorsement. Hail damage is covered with a 20% of the repair cost deductible with a maximum of $3,000. This is designed to make small hail repair claims more affordable.

There are a variety of discounts available for the homeowners’ policy, including the American Dream discount for those who no longer owe anything on their home.

Badger also offers a renters insurance program that provides personal property coverage and liability coverage to tenants. The renters policy also qualifies for the auto/home discount.

Commercial Insurance

The insurer offers a range of commercial insurance packages and products to cover a variety of small businesses. They have specialized programs for restaurants, sports bars, and taverns, and also have basic commercial package policies.

Among the a la carte offerings are things like cyber liability, employment practices liability, and commercial umbrella insurance for added liability coverage.

Business insurance is offered in all ten states.

Are the Company’s Rates Competitive?

Badger is an agent-driven company and does not provide an online quoting service. The website directs visitors to an agent search which will provide the contact info for the nearest local agent.

It is common for small, regional insurers to operate this way, but in the modern age, many customers expect to be able to obtain rate information online without the time consumption and solicitation risk of contacting an agent. The lack of online quoting may deter some people who prefer to gather information on their own time before speaking to anyone directly.

Claims Process With Badger Mutual Insurance

Ease of Filing a Claim

Badger Mutual Insurance offers multiple avenues for filing insurance claims, ensuring convenience for their policyholders. Customers can choose to file a claim online through the company’s website, over the phone by contacting their dedicated claims line, or even through their policyholder’s agent.

This flexibility allows policyholders to select the method that suits them best, whether they prefer the efficiency of online claims or the personal touch of agent assistance.

Average Claim Processing Time

While specific details about Badger Mutual Insurance’s average claim processing time are not readily available in the provided information, the company’s commitment to 24/7 availability and the option to report claims online suggests a focus on timely claim handling.

To obtain precise information about claim processing times, policyholders are encouraged to reach out to the company directly or consult their policy documents.

Customer Feedback on Claim Resolutions and Payouts

Badger Mutual Insurance has received positive feedback from customers, as evidenced by its 3.8 rating on Google and an A+ rating with the Better Business Bureau.

Although some customers have reported less-than-ideal experiences with the customer service aspect, the company’s ability to maintain high ratings suggests a satisfactory level of claim resolution and payout. It’s essential for prospective policyholders to consider this customer feedback when evaluating their insurance options.

Digital and Technological Features at Badger Mutual Insurance

Mobile App Features and Functionality

Badger Mutual Insurance offers a user-friendly mobile app that enhances policyholders’ digital experience. The app provides features such as policy management, claims reporting, and easy communication with the company.

Policyholders can access their insurance information, view policy documents, and even file claims directly through the app, making it a valuable tool for on-the-go insurance management.

Online Account Management Capabilities

The company’s online account management capabilities extend beyond the mobile app, allowing policyholders to access their accounts through the website. Through a secure online portal, customers can manage their policies, review coverage details, and make payments conveniently. This digital convenience empowers policyholders to stay informed and in control of their insurance needs.

Digital Tools and Resources

In addition to the mobile app and online account management, Badger Mutual Insurance provides policyholders with a range of digital tools and resources. These resources may include informative articles, FAQs, and interactive tools to help customers understand their insurance better.

By offering these digital assets, the company demonstrates its commitment to providing customers with valuable information and support in managing their insurance coverage.

Are Customer Ratings and Consumer Reviews Positive?

The insurer has an A+ rating with the Better Business Bureau (BBB), and there are a total of 16 complaints on file in the past three years of those, two were closed in the past 12 months.

Of the 13 reviews on Google, most are positive, resulting in an overall 3.8-star rating. Of the negative reviews, some are vague, stating poor service, with a few stating claims denial. It is worth noting that some of the positive reviews come from agents that work with Badger and not customers.

Of the handful of reviews on Yelp, one is positive and the other two negative.

Overall, the complaint volume is low and there are enough positive reviews to balance out the negative.

What’s the Bottom Line?

Badger Mutual has a good reputation and is likely to appeal to those who prefer to work with an insurance agent and obtain their coverage from a smaller insurance company. They are not likely to have the lowest rates when compared with national-level direct sales insurance companies like Geico but do appear to present a solid value to their customers, especially when multiple discounts are applied. This company is likely to be best for customers with a good driving record and good credit.