Western Mutual Insurance Company
Western Mutual Insurance Company
27489 West Agoura Road
Agoura Hills, CA 91301
Building or buying a house is not cheap. With the state of the economy in the last few months, you’d know that not drawing insurance for your new home is taking a risk. Western Mutual Insurance Company will help you avoid that risk by offering you and your new home low cost insurance! The company is part of the Western Mutual Insurance Group alongside two other insurance companies which altogether has been providing quality service to preferred homeowners for over 65 years throughout the Southwest. They have helped homeowners recover from emotional and financial devastation of unforeseen catastrophes with the support of Maiden RE (part of the Maiden Holdings and Lloyds Syndicates).
The group of companies belonging to Western Mutual Insurance Group – including Western Mutual Insurance Company – is currently rated excellent by the industry leader in insurance company ratings, AM Best. This rating is for the company’s overall operation of their continued claims and paying ability as well as their overall financial strength. Demotech Inc. has also rated them A Prime, or “Unsurpassed” for their financial stability.
The origin of the group of companies can be traced back to 2 county mutual fire insurance establishments that were incorporated in California in the 1940’s. The Insurance Group’s main headquarters is located in California with two other primary operators located in Irvine and Agoura Hills. These offices handle inbound sales, Customer Service and Claims communications to handle and oversee all operating costs. The Western Mutual Insurance Company by itself has offices in California, Colorado, Nevada, New Mexico, and Utah.
Western Mutual has always managed their company in the best interests of policyholders by offering the lowest rates and premiums possible to homeowners. They maintain a pool of experienced adjusters, agents, brokers, and home insurance specialists throughout direct states for their customers’ convenience. They offer homeowners great and reassuring security as their insurance policies cover a wide range of unforeseen casualties that could happen to your home. These include perils such as fires, explosion, water damage, falling objects from collapse, and other common hazards with even broad theft protection in the event of theft of any personal property within your home.
The principal method of business employed by the company is developed through about 10 large agencies affiliated or owned with builders of new homes and mortgage lenders. Their primary target market is small to medium sized houses with preference to newly constructed homes or homes that are relatively new. The company’s main source of clients is from their existing policyholders since they only maintain a small advertising budget. However, they do subscribe to a direct marketing sales unit that sells through direct mail and internet which for them is a cost-effective way for them to make their rates available to select homeowners who qualify for their programs. In fact, if you’re an interested client, you can get an instant homeowners quote on the company’s website by simply providing the state your property is located.
The Western Mutual’s Customer Service has been commended by many and they also offer a convenient option of an Internet Customer Service Center with several online options for faster service. They offer Internet Direct rates to save clients money and time with their online service. Other benefits enjoyed by Western Mutual customers include an extended replacement cost on the dwelling up to 150% (California, Colorado, and Utah) or 200% (New Mexico and Nevada) of the dwelling coverage. They also offer replacement cost coverage on contents, personal liability protection, mortgage payment protection (included in California, available in Colorado, Nevada, New Mexico, and Utah), “Flex Pay” payment options, broad theft coverage, standard (NFIP) Flood Insurance Policies and earthquake insurance.