New London County Mutual Insurance Review & Complaints: Auto, Home & Commercial Insurance (2024)
New London County Mutual Insurance provides commercial, home, and auto insurance to three states in the New England area. New London Count Mutual is a small insurance company for those who prefer to work with a local insurance agent.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
UPDATED: Dec 29, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 29, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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New London County Mutual (NLC) is a small regional insurer with more than 175 years in business. They write basic personal and commercial lines insurance policies in three states.
What is NLC Mutual?
Like many mutual insurance companies, New London County Mutual was founded by a group of local businessmen to protect each other against the financial impact of fire. They provided group coverage for local buildings, with the main focus on farms in Norwich, Connecticut, and surrounding areas.
NLC continued to focus on farms for the first hundred years of its existence, and in 1940 began to shift into new lines of business. Homeowner’s and dwelling fire policies grew to make up most of the company’s business. In 1985, NLC started writing personal auto insurance. In 2010, NLC entered into an agreement with Hingham group, affiliating four mutual insurers in the New England area and expanding the group’s overall reach.
NLC sells policies in Massachusetts, Connecticut, and Rhode Island through local independent agents.
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What Types of Insurance Products Does NLC Offer?
NLC Mutual’s website has a very dated feel, and it does not provide a lot of details about their policies. There are basic outlines of the types of coverage they write but is lacking specifics. Based on available information, they do not appear to write life insurance policies.
Auto
Currently, NLC writes car insurance only in Connecticut and Rhode Island. They appear to write a basic auto insurance policy that includes liability insurance and common options including comprehensive coverage, collision coverage, towing & labor, and rental car coverage.
The website states that the company plans to add auto loan and lease (gap coverage) as an option soon.
Home
NLC writes homeowners insurance for various types of homes in all three of the states they cover.
Their homeowner’s policy is a standard base package with the option to add on additional coverage, including replacement cost for structures and personal property and identity theft. They also have an add-on package that combines several popular additional options in one endorsement.
In addition to homeowner’s NLC insurance companies also write renters insurance policies.
Commercial
NLC offers very little information on their business insurance. They appear to offer a commercial coverage package policy that can be customized to meet the needs of a variety of business types.
Are the Company’s Rates Competitive?
Rates for NLC products can only be obtained by contacting an agent directly. Online quoting is not offered, which is not really surprising for this type of regional company. It is even less surprising given the dated website that seems to indicate a lack of interest in bringing in new business through that avenue.
New London County Mutual Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
New London County Mutual Insurance does not offer online claims filing. To initiate a claim, policyholders need to contact the claims department directly using the provided phone numbers. There are separate phone numbers for regular business hours and an after-hours emergency line, which is reserved for emergencies only.
Average Claim Processing Time
The website does not specify the average claim processing time for New London County Mutual Insurance. Policyholders are encouraged to contact the claims department for information on claim processing timelines.
Customer Feedback on Claim Resolutions and Payouts
New London County Mutual Insurance has received mixed feedback from customers regarding claim resolutions and payouts. While the company has an A+ rating with the Better Business Bureau (BBB) and a low complaint volume, some policyholders have cited poor claims service and being dropped by the company immediately following a claim in online reviews.
However, there are also positive reviews mentioning satisfactory claim experiences.
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New London County Mutual Digital and Technological Features
Mobile App Features and Functionality
The company’s website does not mention the availability of a mobile app for policyholders. Therefore, it is unclear if New London County Mutual Insurance offers specific mobile app features and functionality for managing policies and claims.
Online Account Management Capabilities
New London County Mutual Insurance’s website has a dated feel and does not provide extensive online account management capabilities. Policyholders may not have access to online account management features typically offered by larger insurance companies, such as online policy access, bill payment, and policy changes.
Digital Tools and Resources
The website lacks detailed information about digital tools and resources provided by New London County Mutual Insurance. Policyholders are advised to contact the company or their independent agents for information on any digital tools or resources available for policy management and customer support.
Are the Ratings and Consumer Reviews Positive?
New London County Mutual has an A+ rating with the Better Business Bureau (BBB). There are only two complaints on file in the past three years, and none closed in the past twelve months.
There are nine customer reviews on Google for a total rating of 2.8 stars. The negative reviews by policyholders cite poor claims service and being dropped by the company immediately following a claim. There are also a few positive reviews, although only one offers any detail.
Yelp has only three reviews of NLC by policyholders, with an overall 2.5-star rating. The content of the reviews is similar to what we saw on Google.
Overall, complaint volume is low and there is little of major concern in the complaints.
What’s the Bottom Line?
There is not enough information offered on NLC insurance to form a solid opinion of it. They might appeal to those customers who prefer to work with an independent agent and like a small, regional company. We would not expect them to be competitive on rates, but the value added by personal service over other insurers might make a difference to some insurance shoppers.
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Frequently Asked Questions
What types of insurance does New London County Mutual Insurance offer?
New London County Mutual Insurance offers commercial, home, and auto insurance policies. They provide coverage for individuals and businesses in Massachusetts, Connecticut, and Rhode Island.
Are the rates offered by New London County Mutual Insurance competitive?
The rates for New London County Mutual Insurance policies can only be obtained by contacting an agent directly. Online quoting is not available, and rates may vary based on individual circumstances. It is recommended to reach out to an agent for a personalized quote.
How are claims handled by New London County Mutual Insurance?
New London County Mutual Insurance does not offer online claims filing. To file a claim, policyholders need to contact the claims department directly using the provided phone numbers. There is a separate line for regular business hours and an after-hours emergency line for emergencies only.
What are the ratings and consumer reviews of New London County Mutual Insurance?
New London County Mutual Insurance has an A+ rating with the Better Business Bureau (BBB). Over the past three years, there have been only two complaints on file, with none closed in the past twelve months. However, on review platforms like Google and Yelp, there are mixed reviews from policyholders, mentioning both positive and negative experiences.
Is New London County Mutual Insurance suitable for customers looking for personalized service from a local insurance agent?
Yes, New London County Mutual Insurance is a small regional insurance company that focuses on providing coverage through local independent agents. If you prefer personalized service and working with a local agent, New London County Mutual Insurance may be a suitable option for you.
How can I obtain a quote from New London County Mutual Insurance?
To obtain a quote from New London County Mutual Insurance, you need to contact an independent agent directly. They will gather the necessary information and provide you with a personalized quote based on your insurance needs and circumstances.
Please note that the information provided here is based on available information and may be subject to change. It is recommended to contact New London County Mutual Insurance or their agents for the most up-to-date and accurate information regarding their policies and services.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.