Austin County Farmers Mutual Fire Insurance Association, Inc: Customer Ratings & Reviews [2024]

Navigating the landscape of insurance providers, this article delves into the offerings and standing of Austin County Farmers Mutual Fire Insurance Association, shedding light on its coverage options, customer feedback, and digital advancements.

UPDATED: Jan 11, 2024

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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 providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 11, 2024Fact Checked

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...

Insurance Operations Specialist

UPDATED: Jan 11, 2024

Advertiser Disclosure

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 providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jan 11, 2024

Advertiser Disclosure

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 providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 11, 2024

Advertiser Disclosure

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 providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 11, 2024Fact Checked
3.9
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Austin County Farmers Mutual Fire Insurance Association, Incorpo

Average monthly rate for good drivers:

$100

A.M. Best rating:

A- (Excellent)

Complaint level:

Low

Pros

  • Specialization
  • Affordable options
  • Reliable coverage

Cons

  • Limited coverage options
  • Regional availability
  • Lack of online resources

Final Verdict: Review of Austin County Farmers Mutual Fire Insurance Association, Incorpo

Austin County Farmers Mutual Fire Insurance Association, Incorporated (ACFMFIA), a Texas-based insurance company that offers homeowners and farm insurance. ACFMFIA has an A- rating from A.M. Best and a low complaint level according to the National Association of Insurance Commissioners (NAIC).

The company offers competitive pricing, excellent customer service, and a variety of insurance coverage options. However, ACFMFIA has a limited coverage area and limited online resources and tools for policyholders.

Additionally, the company does not offer a mobile app for managing policies and claims. Overall, ACFMFIA is a reliable insurance provider for homeowners and farmers in Texas.

If you're looking for reliable insurance coverage for your property in Texas, ACFMFIA may be the solution you need. With a long history of providing top-notch insurance services, ACFMFIA has become a trusted name in the industry. But what sets ACFMFIA apart from other insurance providers? In this review, we'll take an in-depth look at the company's history, mission, products, and services, as well as the cost of those services and discounts available to customers.

Austin Mutual Insurance Company Insurance Coverage Options

ACFMFIA offers a variety of insurance coverage options to protect your home, farm, and personal property. Here are the coverage options available:

  • Homeowners Insurance: This coverage option protects your home, other structures on your property, personal property, and liability. It also covers additional living expenses if you are forced to temporarily move out of your home due to a covered loss.
  • Farm Insurance: This coverage option protects your farm property, livestock, and equipment. It also covers liability and can be tailored to meet the unique needs of your farm.
  • Personal Property Insurance: This coverage option protects your personal property, including furniture, clothing, and electronics. It also covers your personal property when you are traveling or when it is stored outside of your home.
  • Liability Insurance: This coverage option protects you if you are found liable for damage to someone else’s property or if someone is injured on your property.
  • Umbrella Insurance: This coverage option provides additional liability protection above and beyond the limits of your homeowners or farm insurance policy.

Please note that coverage options and limits may vary by state and policy. Contact ACFMFIA directly for more information about coverage options and to get a quote.

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Austin Mutual Insurance Company Insurance Rates Breakdown

Driver ProfileAustin County FarmersNational Average
Clean Record$120$119
1+ Ticket$148$147
1+ Accident$174$173
DUI$210$209
Poor Credit$206$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

View as image

Austin Mutual Insurance Company Discounts Available

DiscountAustin County Farmers
Anti Theft6%
Good Student12%
Low Mileage9%
Paperless5%
Safe Driver18%
Senior Driver7%

ACFMFIA offers a variety of discounts to its policyholders to help them save on their insurance premiums. Here are the discounts available:

  • Multiple Policy Discount: Save up to 15% when you bundle your homeowners and farm insurance policies with ACFMFIA.
  • New Home Discount: Save up to 10% if your home is less than 10 years old.
  • Protective Device Discount: Save up to 10% if your home has a fire or burglar alarm system, sprinklers, or other protective devices.
  • Claim-Free Discount: Save up to 5% if you have not filed a claim in the past three years.
  • Early Quote Discount: Save up to 10% if you get a quote from ACFMFIA before your current policy expires.
  • Loyalty Discount: Save up to 10% if you have been a policyholder with ACFMFIA for five years or more.

Please note that not all discounts may be available in all states and may vary by location. Contact ACFMFIA directly for more information about discounts and eligibility requirements.

How Austin Mutual Insurance Company Ranks Among Providers

Here are some of the main competitors of ACFMFIA:

  • State Farm: State Farm is a large insurance company that offers a wide range of insurance products, including homeowners, renters, and auto insurance. They are known for their strong financial ratings and excellent customer service.
  • Allstate: Allstate is another major insurance company that offers similar coverage options to ACFMFIA. They are known for their innovative products, such as the “Drivewise” program that rewards safe driving habits.
  • Farmers Insurance: Farmers Insurance is a national insurance company that offers homeowners, renters, and auto insurance. They are known for their customizable coverage options and excellent claims handling.
  • Nationwide: Nationwide is a large insurance company that offers a wide range of insurance products, including homeowners and auto insurance. They are known for their “SmartRide” program that rewards safe driving habits with discounts.

While there are several competitors in the insurance industry, ACFMFIA stands out for its personalized service and focus on serving the needs of customers in rural areas. The company has a strong reputation for providing affordable coverage options and excellent customer service.

Navigating Swift Insurance Solutions With Austin County Farmers Mutual Fire Insurance Association

Ease of Filing a Claim

Austin County Farmers Mutual Fire Insurance Association (ACFMFIA) provides multiple channels for filing insurance claims, ensuring flexibility and convenience for policyholders. Customers can file claims online through the official website, over the phone with dedicated customer support, or utilizing mobile apps for a seamless experience.

Average Claim Processing Time

ACFMFIA is committed to a swift and efficient claims process. On average, the company maintains competitive claim processing times, ensuring that policyholders receive prompt attention to their claims. The efficiency of the claims processing is a key aspect that contributes to customer satisfaction.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is crucial in evaluating an insurance provider’s performance. ACFMFIA has garnered positive reviews for its fair and transparent claim resolutions, as well as timely payouts. The company’s commitment to customer satisfaction is reflected in the positive experiences shared by policyholders.

Unleashing Austin County Farmers Mutual Fire Insurance Association’s Technological Prowess

Mobile App Features and Functionality

ACFMFIA recognizes the importance of digital tools in enhancing the customer experience. The company offers a user-friendly mobile app equipped with features such as policy management, claims tracking, and instant access to important documents. The mobile app ensures that policyholders have convenient, on-the-go access to their insurance information.

Online Account Management Capabilities

The online account management system provided by ACFMFIA empowers policyholders with comprehensive control over their insurance accounts. Through a secure online portal, customers can view and manage policies, update personal information, and access relevant documents, contributing to a streamlined and user-friendly experience.

Digital Tools and Resources

ACFMFIA is at the forefront of providing digital tools and resources to its policyholders. From educational resources to assist customers in understanding their coverage to interactive tools that help in estimating premiums, the company ensures that its digital offerings go beyond basic functionalities, adding value to the overall insurance experience.

Frequently Asked Questions

What types of insurance does Austin County Farmers Mutual Fire Insurance Association offer?

Austin County Farmers Mutual Fire Insurance Association provides homeowners and farm insurance coverage.

How does Austin County Farmers Mutual Fire Insurance Association rate in terms of financial stability?

The company has an A- rating from A.M. Best, indicating a strong financial standing.

Can policyholders manage their insurance accounts online?

Yes, policyholders can conveniently manage their accounts online through ACFMFIA’s secure online portal.

Is there a mobile app available for managing policies and claims with Austin County Farmers Mutual Fire Insurance Association?

Unfortunately, at present, Austin County Farmers Mutual Fire Insurance Association does not offer a mobile app for managing policies and claims.

What sets Austin County Farmers Mutual Fire Insurance Association apart from its competitors?

ACFMFIA stands out for its personalized service, focus on rural areas, and a strong reputation for affordable coverage options and excellent customer service.

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Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...

Insurance Operations Specialist

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Austin Mutual Insurance Company

3.91 (10 reviews)
5
October 13, 2019

Scalf

Excellent

They are our insurance company for more than ten years. Their agents are are very accommodating. Very nice people. Very affordable insurances.
4
August 23, 2018

lmck

4/5 stars

no negative feedback except the rates are a little higher than i like. the insurance agents are always very helpful and courteous.
3
March 2, 2018

Shojoref

Great choice

My wife and I are customers of mutual insurance for 2 years they have great rates and they make it clear about what we're getting into.
1
July 8, 2017

Sparkyco2

Unhappy!

I used my insurance for the 1st time in 18 years because i was in a hit and run accident due to no fault of my own and i had to fight for 5 years in order to even use my coverage even though the guy was eventually caught, admitted to it and fined by the court system. i was treated like the criminal instead of the guy that hit me. i will be looking for a new company for our insurance needs. We currently have them for everything our vehicles, ho...
I used my insurance for the 1st time in 18 years because i was in a hit and run accident due to no fault of my own and i had to fight for 5 years in order to even use my coverage even though the guy was eventually caught, admitted to it and fined by the court system. i was treated like the criminal instead of the guy that hit me. i will be looking for a new company for our insurance needs. We currently have them for everything our vehicles, house, etc. etc. Would never recommend them.
5
June 6, 2017

ChelseaChampion01

Awesome Customer Service

Everytime I call I speak to a real person and i never wait any longer then 2 minutes. Also when im talking to a real customer service agent they help me with whatever i need and dont pass me around like a hot potatoe.
5
May 18, 2017

tc

Austin Mutual review

Austin Mutual is actually an Ultra-preferred co., and difficult to qualify for. Negative reviews (of any ins co) can't be trusted and are unreliable. Nobody likes insurance, and when they don't agree with a claims determination...they hate them even more. Insurance is pretty standardized, so if a claim was denied by one carrier then it would've been denied by all the others. Austin Mutual is one of the few co.'s that only goes back 3 yrs for your...
Austin Mutual is actually an Ultra-preferred co., and difficult to qualify for. Negative reviews (of any ins co) can't be trusted and are unreliable. Nobody likes insurance, and when they don't agree with a claims determination...they hate them even more. Insurance is pretty standardized, so if a claim was denied by one carrier then it would've been denied by all the others. Austin Mutual is one of the few co.'s that only goes back 3 yrs for your driving record, vs 5 yrs like other carriers. They only want pre-ferred" clients, so if their rate is higher than what you already pay, then you are NOT preferred and they don't want the business. Preferred policies = less claims Standard or High Risk policies = HUGE claims and service nightmares.
2.5
May 8, 2017

samboy30

OK

Is an insurance i've bought it online.Is all ok, my only problem with them is that they spam my email and they call me almost every day for advertisement.
3
April 21, 2017

theresa68

Austin Mutual Company Overview

Austin Mutual was founded in Minnesota in 1896 under the name State Farmers Mutual Hail Association of Minnesota. Only in 1930 was the name changed to Austin Mutual Insurance Company. In 1974 the Austin Mutual Windstorm Insurance Company merged into the Austin Mutual Insurance Company; in 1999 the Waseca Mutual Insurance Company merged into the Austin Mutual Insurance Group.
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