Austin Mutual Insurance Company Review [2023]

Is Austin Mutual Insurance Company a Good Choice?

Austin Mutual Insurance Company was started by a group of farmers and other pillars of the Austin, Minnesota community in 1896. The community called their unit the Farmers United Township Mutual Hail Association of Minnesota—an organization that provides low-cost insurance for people affected by windstorms and hail storms.

According to Claims Journal, Austin Mutual Insurance Company and Main Street America Insurance entered an affiliation agreement in 2012. Today, all dealings with Austin Mutual Insurance Co also go through Main Street America Insurance.

Austin Mutual Insurance Company Reviews

To check an insurance company’s reliability, we often look at reviews. The most reliable reviews come from A. M. Best and the National Association of Insurance Commissioners (NAIC). We often refer to these two organizations to gauge how well a company performs financially and how well they respond to customers. Let’s look at some research data to help you understand how well Austin Mutual serves as an insurance company.

What about Austin Mutual Insurance Company’s A.M. Best rating? Although Austin Mutual Insurance Company is still in business, it doesn’t have any recent A. M. Best ratings. The “A” rating from A. M. Best was reported back in 2013.

The NAIC Complaint Index is the ratio in which a company receives complaints from customers. In 2019, Austin Mutual Insurance Company had a complaint index of 2.74, which is 1.74 points higher than the national average.

Austin Mutual’s Better Business Bureau (BBB) rating is an A+. But many companies, big and small, good or bad, have excellent ratings on BBB.

Austin Mutual Insurance Company Coverage Options

You can purchase personal and commercial insurance products from Austin Mutual and its affiliate company. Here’s a list of commercial insurance products you can buy at Austin Mutual Insurance.

• Business Owners
• Contractors
• Commercial Auto
• Workers’ Compensation
• Umbrella
• Surety Bonds
• Flood Insurance for Business
• Commercial Agribusiness

We didn’t forget about personal insurance. Check out this list of personal insurance options you can find at Austin Mutual Insurance Company.

• Auto Insurance
• Home Insurance
• Renters & Condos Insurance
• Personal Umbrella Insurance
• Landlords Insurance
• Personal Flood Insurance

Some insurance products, like flood insurance, are incredibly helpful. Specific insurance options fill in the gaps where standard insurance won’t cover. If you live in an area known for flooding, it may be a good idea to add flood insurance to your policy. If flood insurance is good enough for your car, it’s good enough for your home, whether you own it or not.

Keep reading to learn about company claims and more.

Austin Mutual Insurance Company Claims and Payments

You make an Austin Mutual Insurance Company claim online or by phone. To file a claim over the phone, contact Austin Mutual’s claims phone number at 1-877-425-2467. Or you can file a claim online through the Main Street America Insurance website at https://www.msagroup.com/claims.

The website has different selections for customers. It appears that insurance products are in various departments. Click the correct claim button and fill out the information to move on to the next step. Be sure to include your policy number. If you get lost, contact Austin Mutual Insurance by email at [email protected]

Making a Payment

Although Austin Mutual and Main Street America are small insurance companies, they provide an easy way for customers to make payments online. You can use the following methods to pay your Austin Mutual bill:

• Automatic Transfer (EFT)
• Pay by Phone
• Pay Online
• Mail-in Payments

This flexibility is standard today, but some small insurance companies won’t even have a website where you can pay.

Austin Mutual Insurance Company: The Bottom Line

Small insurance companies struggle with competitive rates from bigger insurance companies. It’s hard to determine Austin Mutual Insurance rates because it won’t reveal them until you speak to an Austin Mutual Insurance agent.

Even if you don’t know how much Austin Mutual insurance quotes are, you can compare the products it provides to other companies in your area. The first step to comparing Austin Mutual Insurance Company is by entering your ZIP code in our FREE comparison tool below.