What are the pros and cons of being insured by a mutual insurance company vs a stock insurance company?

What are the pros and cons of being insured by a mutual insurance company vs a stock insurance company?

Risk: Stock insurers offer policyholders greater stability, as they have more options available to generate earnings. This makes it easier for them to overcome financial difficulties, while a mutual’s reliance on policy premiums as their main source of income can be a major disadvantage.