West Bend Mutual Insurance Review & Complaints: Auto, Home & Business Insurance (2024)
West Bend Mutual Insurance is a Wisconsin-based personal and business insurance company providing a range of specialty insurance products across the Midwest. Their products are divided into personal and commercial categories with specialty and basic products.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
UPDATED: Nov 27, 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: Nov 27, 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.
On This Page
West Bend Mutual Insurance is a Wisconsin-based personal and business insurance company. They provide a range of basic and specialty insurance across the Midwest.
What is West Bend Mutual?
The West Bend Mutual Insurance Company of Wisconsin was founded in 1894 in its namesake town of West Bend. The company has since expanded beyond the state of Wisconsin and serves customers and communities in Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, and Ohio as well.
West Bend offers broad insurance coverage options, with policies including auto insurance, home insurance, and specialty. They also write business insurance and bonds. They sell products through independent agents throughout the states they serve.
Founded as a mutual company, West Bend today still operates that way and headquarters is still located in its home state.
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What West Bend products are available?
All of the West Bend Mutual Insurance Company’s products are divided into personal and commercial lines. They have both basic policies as well as some specialty options to choose from.
Personal Insurance
West Bend’s personal lines insurance options include auto, home, and specialty coverage as well.
Home and Highway
West Bend offers what they call their Home and Highway policy, which is a combined auto and home policy in one. As far as we can tell, there is no option to purchase auto insurance or home insurance individually.
The Home and Highway policy can be issued with a homeowner’s, condo owners, or renters policy, and can include standard auto insurance as well as classic cars, but you must purchase one of each policy type. All of the same coverage that is typically offered on an auto policy is included: liability, comprehensive, collision, and options like the company’s Travel Net roadside assistance.
Homeowner’s coverage also includes all of the standard coverage as well as many optional endorsements, provided you shell out a few extra bucks each month. The residential policies include guaranteed replacement cost, extra jewelry coverage, pet accident coverage. Several bundled endorsements are also available to enhance the coverage.
Protector Plus adds sump pump/sewer backup, open perils coverage for personal property, mortgage extra expense on total losses, and identity theft protection.
Protector Grand also adds sports equipment coverage, travel deductible waiver, freezer, and refrigerator power loss, and golf cart coverage.
The policy is issued with one premium and one deductible. There are a variety of discounts available, although since it is a single policy there is no auto/home discount offered. Other choices like good student, good driver, and safety features are all offered.
Other Personal Insurance
West Bend also offers specialty vehicle insurance such as RVs, watercraft, and motorcycles.
Their personal umbrella insurance is available for purchase to provide additional liability coverage above the limits of the home and highway policy.
Business Insurance
West Bend writes package business insurance policies for a long list of business profiles. Coverage includes business property, general liability, specialty liability, worker’s compensation, and more.
Business policies are customized to meet the needs of each type of business, based on the business details and risks of that industry.
Surety bonds are also available for a wide variety of business coverage needs, from contractors to notaries. Obtaining a business insurance quote for coverage can provide you with more in-depth details on what’s covered and how your policy would work.
Are the rates competitive?
West Bend does not offer online quoting, which is normal for a smaller, regional company and especially for one that is agent-driven. Also, for commercial lines, it seems standard that talking to someone about your business details is a required part of the application process.
Since they offer the combined home and auto policy, quotes will need to be compared to the total cost of an auto and home policy elsewhere. We do not normally expect this type of company to compete with much larger, direct-buy insurance companies, but this type of combined policy is difficult to estimate.
West Bend Mutual Insurance Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
West Bend Mutual Insurance offers a straightforward claims process with multiple channels for policyholders to file their claims. Whether you prefer the convenience of filing online, over the phone, or through mobile apps, West Bend has you covered.
Average Claim Processing Time
One notable aspect of West Bend’s claims process is its commitment to swift resolution. They promise that some claims can be settled and paid within 24 hours, which is an impressive turnaround time for certain types of claims, such as glass or towing. This emphasis on quick claims processing can provide peace of mind to policyholders during stressful situations.
Customer Feedback on Claim Resolutions and Payouts
To gauge the effectiveness of West Bend’s claims handling, we looked into customer feedback. The company has received an A+ rating from the Better Business Bureau (BBB) and has a relatively low complaint volume, with 16 total customer complaints filed in the past three years.
This suggests a positive track record in resolving claims and providing payouts promptly. Additionally, customer reviews on platforms like Google highlight the company’s commitment to excellent customer service during the claims process.
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West Bend Mutual Insurance’s Digital and Technological Features
Mobile App Features and Functionality
West Bend Mutual Insurance offers a user-friendly mobile app designed to streamline the insurance experience. While claims cannot be filed through the app, policyholders can use it to track the progress of their claims, upload pictures, and access policy information.
The app enhances convenience and accessibility, making it a valuable tool for managing insurance-related tasks on the go.
Online Account Management Capabilities
With West Bend’s online account management system, policyholders have the ability to handle various aspects of their insurance policies from the comfort of their homes. This includes tasks like viewing policy details, making payments, and accessing important documents.
The online portal simplifies policy management and reduces the need for in-person interactions, enhancing overall convenience.
Digital Tools and Resources
West Bend provides a range of digital tools and resources to assist policyholders in making informed decisions. While specific details may vary, these resources typically include educational materials, policy comparison tools, and interactive features to help customers better understand their coverage options.
These digital resources contribute to a more transparent and user-friendly insurance experience.
What do ratings and consumer reviews say?
The West Bend Mutual Insurance Company has an A+ rating with the Better Business Bureau (BBB), and there are 16 total customer complaints on file in the past three years. Five of those were closed in the past 12 months. For the size of the company, the complaint volume is low.
With 86 reviews on Google, the company has an overall 3.5-star rating. Many customers have left a positive review, citing a great customer service experience. A look at the negative reviews shows that a lot of them are written by drivers involved in an accident with a West Bend insured, and not a review from actual customers of the insurer. Overall, the image of this company is very positive.
What’s the bottom line?
Is West Bend insurance good? West Bend is a good choice for anyone who likes the idea of a single policy for both auto and home and also prefers to work with an agent. While we don’t have rate information, they have a very good reputation and some comprehensive products, so the impression is of a company that offers good value to their customers.
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Frequently Asked Questions
What is West Bend Mutual Insurance?
West Bend Mutual Insurance is a company that offers various insurance products, including auto, home, and business insurance. They have been in operation for several years and have a reputation for providing coverage and services to policyholders.
Are there any reviews available for West Bend Mutual Insurance?
Yes, there are reviews available for West Bend Mutual Insurance. Customers can find reviews on various online platforms, including consumer review websites, social media platforms, and insurance review websites. These reviews can provide insights into the experiences of other policyholders with the company.
How can I access West Bend Mutual Insurance reviews?
To access West Bend Mutual Insurance reviews, you can visit consumer review websites such as Consumer Affairs, Better Business Bureau (BBB), or specialized insurance review websites. Additionally, you can search for West Bend Mutual Insurance on social media platforms or conduct a general internet search to find customer feedback and reviews.
What should I consider when reading reviews for West Bend Mutual Insurance?
When reading reviews for West Bend Mutual Insurance, it is important to consider the overall trends and themes among the reviews. Look for common issues or positive aspects mentioned by multiple reviewers. Also, pay attention to the specific details and circumstances mentioned in the reviews, as individual experiences can vary. Remember that reviews are subjective opinions and may not reflect your own experience.
Can I file a complaint against West Bend Mutual Insurance?
Yes, if you have a legitimate concern or complaint about West Bend Mutual Insurance, you can file a complaint. Start by contacting the company directly to express your concerns and attempt to resolve the issue. If you are not satisfied with their response, you can reach out to relevant regulatory bodies or consumer protection agencies in your jurisdiction.
How can I contact West Bend Mutual Insurance regarding a complaint?
To contact West Bend Mutual Insurance regarding a complaint, you can find their contact information on their official website. Look for the “Contact Us” or “Customer Service” section, where you will likely find phone numbers, email addresses, and possibly a mailing address to reach out to them.
Are there any common complaints about West Bend Mutual Insurance?
Common complaints about West Bend Mutual Insurance may vary over time, and it is important to consider the context and individual experiences. However, some common issues that policyholders may have experienced in the past include claim delays, disputes over coverage, difficulties in communication with the company, or issues related to customer service. Keep in mind that these complaints may not represent the current state of the company’s operations.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making 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.