Ohio Mutual Insurance Review
I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them.
Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.
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Written by
Chris Huntley
Founder of Huntley Wealth & Insurance Services
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…
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Reviewed by
Rachael Brennan
Licensed Insurance Agent
UPDATED: Apr 1, 2022
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Here’s the Scoop
Ohio Mutual Insurance Group sells flexible and customizable insurance products for customers across the Midwest and Northeast
Protection ranges from personal home and auto insurance to commercial coverage
Customers praise the company for professionalism and affordable prices
Shopping for the best insurance policy is stressful. It’s challenging to know which companies offer the best products and rates. We get it. That’s why we write impartial company reviews and provide access to free and easy quotes. Today, we’re going to look at Ohio Mutual Insurance Group.
This article will explore the coverages, financial ratings, and customer reviews for Ohio Mutual Insurance Group.
What products are offered by Ohio Mutual Insurance Group?
Ohio Mutual’s insurance policies include a wide range of personal and commercial property coverages. Products vary by state and are available in Connecticut, Indiana, Maine, New Hampshire, Ohio, Rhode Island, and Vermont.
Ohio Mutual offers many types of add-on coverage. Depending on your state and plan, you may be eligible for various discounts.
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Ohio Mutual Insurance Group Homeowners Insurance
If you’re comparing the best homeowners insurance companies, perhaps you’ve heard of Ohio Mutual. The company’s flexible plans include opportunities to customize your policy with various add-ons. Depending on your state and situation, you may be eligible for discounts.
Ohio Mutual’s insurance policies for homeowners include the following protections:
Dwelling coverage. An Ohio Mutual homeowners policy protects your home.
Coverage for other structures. Homeowner policies protect other buildings on your property, such as sheds or garages.
Personal property coverage. The plan covers personal belongings like furniture, appliances, and clothes.
Personal liability coverage. The plan covers injuries and damages to others’ property caused by you.
Medical payments to others. If someone is injured on your property, this feature can cover their medical expenses.
Additional living expenses coverage. This feature helps pay for temporary lodging if your home is damaged in a covered accident.
Ohio Mutual’s insurance plans are available by speaking with an agent.
Additional Coverage for Homeowners
Besides the included coverages, Ohio Mutual offers many add-on protections. Some of the additional coverages that you can use to customize your homeowners policy include:
Personal cyber protection. You can add Ohio Mutual’s cyber protection service to your policy in some states.
Replacement coverage. Ohio Mutual offers replacement cost coverage for personal property and replacement guarantee coverage for your dwelling.
Vacation home coverage. You can add your secondary or seasonal home to your homeowners plan.
Equipment breakdown coverage. This add-on helps pay for the cost of equipment malfunctions in your home.
Earthquake coverage. If you live near a major fault line, you might benefit from earthquake insurance.
Coverage for rare and unique items. This add-on protects your collectibles, such as fine art, jewelry, and firearms.
You may have access to more add-on coverage depending on your location.
Discounts for Homeowners Insurance
Additionally, Ohio Mutual provides a large selection of discounts for all policy types. Some deals available with a homeowners plan include:
Protective devices. You may be eligible to receive this discount if you have certain types of protective devices installed in your home, such as smoke detectors and security systems.
Teacher/first responder/veteran discount. Members of these professions may be eligible for a discount on their homeowners policy.
Home and auto discount. If you bundle your home and auto insurance with Ohio Mutual, you can receive a discount.
Dwelling less than 20 years old. If your home is less than 20 years old, you may be eligible for a discount on your homeowners insurance.
You can speak to an Ohio Mutual agent to learn more about the options for your location.
Ohio Mutual Group Auto Insurance
The best car insurance companies provide flexible coverage that you can tailor to your needs.
Ohio Mutual’s auto insurance policies are available in various coverage types. Starting with the state minimum liability coverage, Ohio Mutual provides a range of options to protect your assets.
Coverages available with Ohio Mutual auto insurance include:
Liability insurance. This plan covers bodily injuries and property damage caused by you to another person.
Collision insurance. This type of coverage pays for losses caused by hitting another object.
Comprehensive insurance. Comprehensive plans cover damages caused by non-collision incidents, such as weather, animal damage, vandalism, and theft.
Uninsured/Underinsured Motorist insurance. This policy pays for losses caused by a driver with no insurance or inadequate insurance coverage.
Besides these coverages, Ohio Mutual offers several types of additional protections, including accidental death benefits, pet insurance, and newly acquired vehicle coverage. Depending on your state, you may be able to customize your coverage by adding these plans.
Discounts for Car Insurance
Ohio Mutual offers many opportunities for savings with its car insurance. Some discounts available with an Ohio Mutual auto insurance plan include:
Anti-theft devices discount. If you have specific anti-theft devices installed on your vehicle, you may be eligible for this discount.
Multicar discount. Insuring more than one vehicle with Ohio Mutual qualifies you for this discount.
Safety device discount. Specific safety devices, such as anti-lock brakes and passive restraints, might qualify you for this discount.
Student discount. Discounts are available for students who meet specific academic criteria or are far from home with no car.
Besides these discounts, Ohio Mutual gives customers access to many savings opportunities depending on location and situation.
What other services does Ohio Mutual Insurance Group provide?
Along with its homeowners and auto insurance, Ohio Mutual provides coverage for renters and farm owners. Additionally, several types of commercial insurance protection are available.
Ohio Mutual Insurance Group Renters Insurance
Ohio Mutual’s renter insurance covers personal property, liability, and additional living expenses.
There is a wide variety of add-on coverage available. You can add services ranging from cyber protection to coverage for fine arts and natural disasters to your policy.
As with its other insurance plans, Ohio Mutual offers numerous discounts and savings opportunities with its renters insurance.
Ohio Mutual Insurance Group Farm Insurance
Ohio Mutual has been insuring farmers in Ohio for over 100 years.
The plans cover homes, personal belongings, farm structures, machinery, livestock, tools, etc. Coverage includes liability and medical payments, and many add-on coverage options are available.
Ohio Mutual Insurance Group Commercial Insurance
Ohio Mutual’s commercial insurance products include property, liability, inland marine, and commercial automobile coverage.
Several combination packages are available for business owners. You can speak to an agent to learn more about the plans available in your state and how your business might benefit from them.
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Ohio Mutual Insurance Group Reviews and Ratings
Two of the most critical sources of information to consult when searching for an insurance company are financial ratings and customer reviews.
Ohio Mutual Insurance Group Financial Ratings
Financial ratings are unbiased appraisals of a company’s economic strength. Third-party reviewing agencies are responsible for these assessments and consider various facts when examining a company.
Ohio Mutual has an A (excellent) rating with A.M. Best, one of the country’s most trusted financial rating agencies. Furthermore, the company’s economic outlook is listed as stable.
Despite being well-rated by A.M. Best, no other significant financial reviewer has rated Ohio Mutual.
Ohio Mutual Insurance Group Customer Reviews
Customer reviews are critical. They give us a good idea of how the company treats its customers and whether it honors its agreements.
Ohio Mutual is Better Business Bureau (BBB) accredited and has an A+ rating based on customer information and complaints.
The company has a 4.4/5-star rating based on 505 Google reviews. With Clearsurance, Ohio Mutual has a 3.92/5-star rating based on 47 customer reviews.
Negative reviews of the company complain about poor customer service. There are, however, many positive reviews. Happy customers praise the company for its professional agents and affordable rates.
Ohio Mutual Insurance Group: The Bottom Line
Ohio Mutual Insurance Group provides a large variety of insurance coverage. It offers flexible protection for your assets, from personal homeowners insurance to commercial coverage.
Ohio Mutual provides many discount options and savings opportunities with all its plans.
The company is well-rated by A.M. Best, and customer reviews are generally positive. There are some complaints of poor customer service, but most customer comments express satisfaction with the company. Many customers celebrate the company’s professionalism and affordable prices.
Overall, if you’re looking for an affordable insurance policy with flexible coverage, Ohio Mutual Insurance Group might be an excellent choice.
Before you make a final decision, remember to do lots of research. Comparing multiple companies and their services can help you make the right choice for you and your family.
