Brethren Mutual Insurance Company Review & Complaints: Home, Auto, Business & Farm Insurance (2024)

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Brethren Mutual Insurance Company has been in business for more than 120 years. They offer home insurance, car insurance coverage, business, and farm insurance. Although you won’t be getting Brethern Mutual quotes online, Brethren Mutual agents offer quotes in person.

Although the company has been around for 12 decades, Brethern Mutual Insurance reviews have been less extensive online–until now. Continue reading to learn more about Brethren Mutual Insurance cost and availability by state in this complete Brethren Mutual Insurance Company review.

Since Brethren Mutual Insurance company reviews show you can’t get quotes online, we’ve provided a way you can compare insurance quotes in your local area. Enter your ZIP code in our FREE comparison tool above to get started.

About Brethren Mutual

Brethren Mutual Insurance Company was founded in Hagerstown, MD, in 1897 to provide insurance protection to local farmers. Although they were initially connected with the Church of the Brethren and provided coverage only to members, the company no longer has any association with the religious organization, having removed restrictions on membership in 1917.

Today the company serves four states and the District of Columbia, although only commercial lines are offered in D.C. The other states are Brethren’s home state of Maryland, Virginia, Delaware, and Pennsylvania.

Brethren Mutual is focused on property and casualty insurance. Its insurance options include both home and car insurance, and they also insure businesses and farms.

Policies are sold through local independent agents across their service area, and the company still maintains its headquarters in Hagerstown.

Brethren Mutual Products

Brethren Mutual Insurance Company provides car insurance coverage for several types of homes. They also write an array of commercial package policies and comprehensive coverage for farms of all sizes. The website offers limited information on each product.

Car Insurance

The company website states that their auto insurance program is tiered, offering the best rates to those that qualify. Its website doesn’t provide details on those tiers, and it doesn’t explain what the qualifications are for each tier.

The car insurance program includes basic car insurance coverage, such as liability, medical payments, comprehensive coverage, and collision coverage. Other add-ons include towing and labor, electronics coverage, customized equipment, non-owned vehicle coverage, and transportation expenses.

You may not be able to get any car insurance quotes from Brethren Insurance online. Still, the National Association of Insurance Commissioners (NAIC) provides the average cost of car insurance in annual reports.

Since Brethren Mutual Insurance Company is only available in Virginia, Delaware, Maryland, Pennsylvania, and the District of Columbia (D.C.), we’ll provide NAIC car insurance rates in these areas.

NAIC Car Insurance Rates of States with Brethren Mutual Insurance

According to the NAIC, Virginia has the cheapest car insurance rates among the states where Brethren Mutual Insurance Company does business. Comprehensive car insurance is the most affordable coverage, but it can be more expensive, depending on the vehicle.

Start comparing insurance in the local area right now by entering your ZIP code in the FREE comparison tool!

Home Insurance

Brethren Mutual Insurance Company writes home insurance for a variety of housing types. These include single-family homes, mobile homes, and rental dwellings. They also offer renter’s insurance. As with the car insurance policies, information on these programs is limited to a basic overview. Let’s look at some base home insurance rates by states with Brethren Mutual Insurance Company.

Home Insurance Rates of States with Brethren Mutual Insurance

Home insurance includes all of the standard coverage offered with most such policies. The structure itself, personal property, and liability are all included in the basic insurance policy. They also provide common endorsements, such as home business, extended replacement cost, water backup, identity theft, and special content coverage. Equipment breakdown coverage is also available as an option.

The information available for the other types of home insurance is even more limited than that for homeowners.

Did you know you can save money on insurance if you bundle services together? Watch this video on how you can save money on Brethren insurance for companies and businesses.

The percentage you can save varies from company to company. As for Brethren Mutual Insurance Company, you will have to learn about bundling and other discounts from a Brethren Mutual agent.

Commercial Insurance

Brethren Mutual has a large selection of commercial policies for a wide variety of industries and specialty organizations. Available options include:

• Commercial package policies
• Special Religious organization policies
• Commercial Auto insurance policies
• Special Garage policies for automotive services
• Worker’s Compensation Business Insurance
• Professional Liability
• Country Club Custom Endorsement

Among the types of companies eligible for coverage are retail, restaurants, franchised motels and hotels, funerals, beauty parlors, and non-profits. They also have a business owners package policy for what is known as “main street businesses” – small shops, offices, bakeries, delis, and similar small businesses.

Farm Insurance

Farm insurance is Brethren’s oldest product, and they offer three levels of package policy to meet the needs of various types of farmers.

Their Farm Plus endorsement is available to add extra coverage to the package policy, providing 125% replacement cost coverage on the farm dwelling along with coverage for embryos, refrigerated goods, identity fraud, and credit card coverage, among other extra protection.

Farm Equipment Breakdown coverage is included in every package policy. Add-ons include worker’s compensation and farm auto.

Brethren Mutual Insurance Rates

Being a local-agent-driven company, Brethren Mutual Insurance Company offers quotes only through those agents. There is no method of obtaining a quote online.

Smaller companies are often more expensive than major national insurers but usually aim to make up for the higher rates with excellent customer service and other perks. A mutual insurance company that sometimes includes kickbacks to policyholders when there is a profit surplus. That may appear as rate reductions or as dividends.

The best way to get affordable insurance rates is through discounts. Did you know that good credit can reduce your insurance cost? According to the Federal Trade Commission, companies and services will reduce rates for good credit because the consumers are less likely to encounter risk. In insurance, that means the consumer is less likely to file a claim.

Although you can’t receive a quote online for insurance products, Brethren Mutual’s customers can pay online. Also, Brethren Mutual Insurance Company agents log in using a website separate from payments.

Streamlining Brethren Mutual Insurance Company’s Claims Process

Ease of Filing a Claim

Brethren Mutual Insurance Company provides its policyholders with multiple channels for filing insurance claims. Customers can choose between filing claims online, over the phone, or through mobile apps, offering flexibility and convenience in the claims process. This variety of options ensures that policyholders can select the method that best suits their preferences and needs.

Average Claim Processing Time

One crucial aspect of any insurance company’s claims process is the speed at which claims are processed and settled. While specific processing times may vary depending on the nature and complexity of each claim, Brethren Mutual Insurance Company strives to provide timely claim resolutions.

The company’s commitment to efficient claim processing helps alleviate stress for policyholders during difficult times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable resource for assessing the quality of an insurance company’s claims process. Brethren Mutual Insurance Company has received positive feedback from its customers regarding the resolution of claims and the promptness of payouts.

These testimonials indicate a high level of satisfaction among policyholders, highlighting the company’s dedication to meeting their needs and expectations.

Navigating Brethren Mutual Insurance Company’s Digital and Technological Features

Mobile App Features and Functionality

Brethren Mutual Insurance Company offers a comprehensive mobile app that enhances the overall customer experience. The app provides policyholders with features such as easy access to policy information, the ability to report claims directly from their mobile devices, and convenient payment options.

This user-friendly app streamlines interactions with the company, making it simpler for customers to manage their insurance needs on the go.

Online Account Management Capabilities

The company’s online account management platform empowers policyholders to take control of their insurance policies. Customers can log in to their accounts online, where they can view policy details, make premium payments, update personal information, and track the progress of their claims.

Brethren Mutual’s robust online portal ensures that policyholders have easy access to the information and tools they need to manage their policies efficiently.

Digital Tools and Resources

Brethren Mutual Insurance Company recognizes the importance of providing policyholders with valuable digital resources. These resources may include educational materials, articles, FAQs, and interactive tools that help customers make informed decisions about their insurance coverage.

By offering a range of digital resources, the company demonstrates its commitment to supporting policyholders in their insurance journey and ensuring they have the information they need at their fingertips.

Brethren Mutual Insurance Ratings and Consumer Reviews

Brethren Mutual Insurance’s A.M. Best rating is an “A-.” The company’s Better Business Bureau (BBB) rating is an “A+,” and there is only one complaint on file in the past three years. That is excellent, even for a small company where complaint volume is generally lower.

The company’s Facebook page has only four reviews, with a 2.8-star rating overall that stems from a combination of two negatives and two positive reviews. Unfortunately, positive reviews do not include any commentary. One of the negative reviews reported claims handling problems. The other is more general.

There’s not much more out there in terms of customer opinions of this company. The low complaint volume generally comes out as a positive thing for Brethren Mutual.

Brethren Mutual Insurance Company: The Bottom Line

Brethren Mutual has a long history and a good reputation. We found nothing of concern in the reviews or ratings. Without much information on products and rates, it is difficult to make a recommendation for this company. Still, Brethern Mutual may appeal to companies or businesses that prefer to work with an agent versus a direct buy experience.

If you want to know more, visit the Brethren Mutual website.

Frequently Asked Questions: Brethren Mutual Insurance Company Review

For the final section of this review, we’ll cover frequently asked questions that appear on search engines across the internet. Get more expert insurance reviews by visiting our main page. Click the logo at the top left to browse articles, guides, and reviews of the top insurance companies in the nation.

If you’re ready to compare the best home insurance companies, life insurance companies, or the top car insurance companies now that you’re done reading our Brethren Mutual Insurance review, enter your ZIP code in the FREE comparison tool below.

#1 – Is Preferred Mutual a good insurance company?

According to Indeed.com, Preferred Mutual has above average work-life balance, pay and benefits, and job security ratings. Overall the company has a moderate score among employees.

#2 – What are the benefits of a mutual insurance company?

Customers of a mutual insurance company share profits from dividends. Mutual insurance companies generally have lower rates than stock insurance companies.

#3 – How does a mutual insurance company work?

Mutual insurance companies provide insurance coverage while distributing profits from rates and other investments to customers (policyholders).

#4 – Is a mutual insurance company a corporation?

Yes. Mutual insurance companies are corporations that are owned by the policyholders. Each policyholder is a contracted creditor to the corporation.

#5 – Who is the largest mutual insurance company?

State Farm is the largest mutual insurance company in the United States.