Mutual of Enumclaw Insurance Review & Complaints: Auto, Home, Commercial, Boat & Farm Insurance (2024)

Premiums
Claims
Feedback
Financial Strength

A regional insurer serving five states primarily in the Northwest, Mutual of Enumclaw started as a small farm insurance company and has since grown to be one of the larger insurers in Washington State. They continue to offer services like farm coverage, but today also provide auto, homeowners insurance, business, and more.

What is Mutual of Enumclaw?

Founded in its namesake town of Enumclaw, Washington in 1898 as the Farmer’s Mutual Insurance Company, Mutual of Enumclaw was created to provide protection for farms and other buildings in the small town. By 1963 the company had expanded to Oregon and Idaho, offering personal insurance to residents across three states. The name change to Mutual of Enumclaw took place in 1966.

In 2002, they expanded into Utah, and then Arizona in 2014. Policies are sold through independent agents across all five states. Mutual of Enumclaw remains a mutual company, which means that it is owned by the policyholders and not by shareholders. However, this ownership right didn’t extend to all parts of the company. Because of this, the company made plans to establish a domicile in Oregon in order to extend mutuality to customers here. The plan was later approved.

Mutual of Enumclaw offers a wide range of types of insurance policies. The company writes auto insurance, home insurance, commercial policies, boat insurance, and farm insurance. They are a relatively small company on the national level, but the 12th largest in Washington.

What types of insurance products are offered by the Enumclaw insurance company?

Mutual of Enumclaw writes the basics of personal insurance as well as commercial insurance products to help provide financial security to its clients.

Does it offer auto insurance?

The company writes car insurance that includes all of the basics of coverage as well as common options. This includes a towing and roadside assistance option.

The company also offers the option to extend coverage to a variety of specialty vehicles under the auto program. This includes motorcycle insurance, as well as coverage for recreational vehicles and trailers.

The website does not offer a lot in the way of detail regarding the auto insurance policy itself nor does it have a complete list of auto coverage options, directing customers to an agent for more information.

Does it offer home insurance?

Mutual of Enumclaw writes home insurance that covers structures, personal property, and liability. They write several types of home coverage at this time:

• Standard homeowners
• Condominiums
• Renters insurance, such as apartment insurance
• Second and seasonal homes

Each policy is designed to cover the specific needs of that type of home. The Enumclaw Insurance Company offers several add-on options for their home policies, including equipment breakdown coverage.

What additional products are offered?

Boat Insurance

Coverage is offered for various types of boats and includes trailer and equipment coverage, liability, and coverage for the boat itself. Towing assistance can also be added to this type of policy.

Business Insurance

The company offers coverage for small businesses as well as medium-sized and large companies. The commercial policy offerings from the Enumclaw Insurance Company include:

• Business Owner’s Policy
• Commercial Auto Insurance
• Commercial Package
• Commercial Umbrella Insurance

It is good to note that the company also tailors package policies to cover the needs of specific industries, providing you with a tailored business insurance product.

Farm Insurance

The company’s roots are in farm insurance, so it’s no surprise that they still have a strong presence in this area. They write coverage for farms, ranches, and orchards, both family-run and commercial.

Coverage includes farm package policies, farm auto, and specific coverage for operations such as dairy farms and wineries/vineyards.

Does the company offer competitive rates?

The company sells insurance solely through agents and does not currently offer online quoting for insurance premiums. Instead, the customer is directed to a local agent to obtain a quote.

As a result, we are unable to obtain a comparison quote to know how it compares to the average insurance policy cost. As an agent-driven company, Mutual of Enumclaw is likely to have higher rates than direct-buy insurance companies in order to make up for the required agent commissions. The company is not one that advertises itself as being low-cost or budget, so we would not expect to see the lowest rates here. Companies such as Mutual of Enumclaw generally try to make higher premiums worthwhile by offering excellent service in terms of their customer service.

Are there any consumer complaints against the company?

The insurer has an A+ rating with the Better Business Bureau, although they are not accredited. There are only nine insurance customers complaints filed against the company in the past three years, one of which was closed in the past 12 months. This is a very low number of complaints for a fairly good-sized regional insurer.

There are a few mixed reviews throughout the internet, including some very positive ones. The negative reviews seem to center on slow response to claims, however, there aren’t enough of these complaints to really raise a red flag about this company.

Overall, there are few complaints and nothing that would lead to concern, leaving the home and auto insurance provider with a pretty good reputation.

What is the company’s financial strength rating?

Navigating the Claims Process With Mutual of Enumclaw: Your Path to Peace of Mind

Ease of Filing a Claim

Mutual of Enumclaw Insurance provides various convenient methods for filing claims, catering to modern-day needs. Policyholders can file claims through their user-friendly online portal, over the phone, or via mobile apps. This flexibility ensures that customers can choose the method that suits them best, enhancing the ease and accessibility of the claims process.

Average Claim Processing Time

The average claim processing time at Mutual of Enumclaw Insurance is a critical aspect of their service. Timely processing of claims is important for customer satisfaction and trust. Mutual of Enumclaw Insurance strives to expedite the claims process, aiming for efficient handling and resolution to provide a positive experience for policyholders.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts is a valuable source of insight into the effectiveness and fairness of Mutual of Enumclaw Insurance’s claims handling. Understanding the experiences and opinions of policyholders regarding the resolution and payout process helps the company identify areas for improvement and ensures that they are meeting customer expectations.

Unleashing Digital & Technological Features: Mutual of Enumclaw Redefines Insurance Excellence

Mobile App Features and Functionality

Mutual of Enumclaw Insurance offers a robust mobile app with a range of features and functionalities to enhance user experience. The app provides easy access to policy information, claims filing, payments, and assistance in emergencies. Its user-friendly interface and intuitive design make managing insurance needs on the go a seamless experience for policyholders.

Online Account Management Capabilities

The online account management capabilities offered by Mutual of Enumclaw Insurance empower policyholders to manage their policies efficiently. Through the online platform, customers can review policy details, make updates, and access important documents. This digital convenience streamlines policy management and offers transparency and control to the policyholders.

Digital Tools and Resources

Mutual of Enumclaw Insurance invests in digital tools and resources to equip policyholders with the information they need to make informed decisions about their insurance coverage. These tools can include calculators, educational resources, and helpful articles. By providing valuable digital resources, the company aims to enhance customer understanding and engagement in insurance matters.

What’s the bottom line?

If you live in one of the company’s five service states and do not mind going through an agent to obtain a quote or get answers to your insurance questions, Mutual of Enumclaw insurance policies may be worth a look. With a solid lineup of personal insurance basics and a good reputation, the company has the potential to be a contender. They’re unlikely to be competitive with major direct-buy insurance companies, so for those who consider price the top factor in an insurance purchase, Mutual of Enumclaw may not make the list. For those who want a good balance of customer service and price, they are likely worth obtaining a quote to compare to similar companies.