InsuredBetter's Community Mutual Insurance Company Score
2 Stars
We award Community Mutual Insurance a final rating of 2 out of 5 stars. The carrier has been in the insurance industry for well over a century and a half and has a high rating by AM Best. But they're not rated or accredited by the BBB, and it's virtually impossible to find any customer reviews.
Community Mutual does offer several personal and business products, along with many competitive discounts. They also offer fast claims response. But the carrier falls short in the user-friendliness and customer service departments.
Overall, we recommend working together with an independent insurance agent to survey several options along with Community Mutual to be your next trusted carrier.
Community Mutual Insurance Company Pros and Cons:
| Pros: | Cons: |
|---|---|
Longstanding carrier with more than 150 years’ worth of experience
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Not rated or accredited by the BBB
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High rating by AM Best
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Lacking a user-friendly experience
|
|
Personal and business coverages offered
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No customer reviews available
|
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Discounts available
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Not much information available about the claims process
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What Type of Insurance Does Community Mutual Offer?
Here's an overview of the products offered by Community Mutual.
- Auto insurance
- Dwelling fire insurance
- Flood insurance
- Homeowners insurance
- Umbrella insurance
- Commercial auto insurance
- Businessowners insurance
- Commercial flood insurance
- Commercial umbrella insurance
Your independent insurance agent can help you find more information about the coverages offered by Community Mutual Insurance and help you decide if this insurance company is right for you.
What to Know about Community Mutual Insurance Company
Founded in 1854, Community Mutual Insurance Company has been in the insurance industry for well over a century and a half. The carrier offers several personal and business products, including homeowners insurance, commercial auto insurance, and umbrella insurance. The insurance company is headquartered in Latham, NY.
Community Mutual is affiliated with Union Mutual, an insurance company that has a team of about 100 workers. Community Mutual has about 11 employees of its own. The carrier does not have much of a social media presence compared to many modern insurance companies.
Thanks to their catalogue of products and longstanding history, Community Mutual Insurance Company has earned a reputation over time as a financially sound carrier. AM Best gives Community Mutual Insurance an overall “A” rating, indicating the carrier is an excellent choice.
Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report.
What Discounts Does Community Mutual Offer?
Here's a list of discounts offered on Community Mutual's homeowners insurance policies, as detailed on their official website:
- Superior home discount: Awarded to home insurance customers in single-family homes that are in excellent condition and have been built in the past 25 years.
- New home discount: Awarded to home insurance customers whose homes were built in the past 15 years.
- In-line generator credit discount: Awarded to home insurance customers whose homes have permanently-installed generators.
- Customer loyalty discount: Awarded to customers whose policies automatically renew with Community Mutual.
- Home and auto discount: Awarded to customers who bundle their home and auto policies through Community Mutual.
For more information about Community Mutual Insurance's discounts and percentages, work together with an independent insurance agent. Independent insurance agents work hard to get you the most affordable coverage.
Community Mutual Customer Service
Here's an overview of Community Mutual's customer service options and availability.
- Snail mail contact option
- Phone contact option
- Fax contact option
Phone department hours:
| Days | Hours (EST) |
| Monday-Thursday | 8 am - 4:30 pm |
| Friday | 8 am - 3 pm |
| Saturday-Sunday | CLOSED |
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
Community Mutual Insurance FAQs
What is Community Mutual's average claim response time frame?
Community Mutual promises to follow up with customers within 24 hours after a claim is filed.
What is Community Mutual's customer service availability?
Community Mutual only allows customers to contact them via snail mail or by phone or fax. Their phone department is available at restricted hours during the week.
What is Community Mutual's claims process?
Community Mutual does not detail their claims process beyond how to file. However, an independent insurance agent can file claims for you and keep you updated through every step of the process.
Does Community Mutual create a user-friendly experience for customers?
Community Mutual's website is a bit confusing to use, especially since it redirects customers to its affiliate, Union Mutual, in many areas. The carrier also has a more limited social media presence than many modern insurance companies.
Does Community Mutual have good homeowners insurance?
Community Mutual's homeowners insurance products are pretty standard, offering the following coverages:
- Dwelling and contents physical damage
- Other structures (e.g., sheds) physical damage
- Additional living expenses
- Liability
- Medical payments to non-household members
An independent insurance agent can help you determine if Community Mutual's homeowners insurance is a good fit for you.
Is Community Mutual a good insurance company?
Community Mutual has a high rating from AM Best and has been in the industry for more than 150 years. However, the insurance company is not rated or accredited by the BBB currently. It's also impossible to find any customer feedback. With limited ratings and feedback, we're not able to firmly call Community Mutual a good insurance company at this time.
Sources
https://www.communitymutual.com
