Last Updated: 04/18/2025
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Highlights
Financial Strength Rating
A(Verified 04/18/2025)
Baldwin Mutual Insurance Company Review
Baldwin Mutual Insurance Company is an insurance carrier based in Foley, AL. The company was founded in 1921 and offers flood insurance in 1 state in the USA. Flooding is the number one natural disaster in the United States. According to FEMA floods cost Americans more than a billion dollars a year. However, standard homeowners insurance policies don't cover flood damage.
Baldwin Mutual Insurance Company FAQ
What types of coverage does Baldwin Mutual Insurance Company offer?
Flood insurance includes a variety of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. There are two main types of flood insurance: policies offered by the National Flood Insurance Program (NFIP) and those provided by private companies, also known as excess flood coverage. Baldwin Mutual Insurance Company only offers federal flood insurance policies..
NFIP Flood Coverage: Flood insurance through the National Flood Insurance Progam has two basic policies. One that covers the building property up to $250,000 and one that covers personal property up to $100,000.
Baldwin Mutual Insurance Company customers can also add the following riders or endorsements to their home insurance policies:
How can you save money on a Baldwin Mutual Insurance Company home insurance policy?
When you ask for a quote with Baldwin Mutual Insurance Company, make sure you ask for all the discounts you qualify for.
- Flood Zone Designation: The Federal Emergency Management Agency (FEMA) creates flood zone maps that estimate the risk of flooding.
- Freeboard (Property Elevation Above BFE): Homewoners who elevate their homes above the base flood elevations (BFEs) pay lower premiums. For example, adding a 2-foot elevation to a home could reduce your flood insurance premiums by more than $1,000 a year.
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Baldwin Mutual Insurance Company.
What additional benefits does Baldwin Mutual Insurance Company offer?
Baldwin Mutual Insurance Company offers the following benefits to its customers:
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
What is the financial strength rating of Baldwin Mutual Insurance Company?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
Baldwin Mutual Insurance Company scores an A or excellent, which is SuperMoney's second highest available score.
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Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
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SuperMoney Net Recommendation Score
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Baldwin Mutual Insurance Company Community Reviews
Would you recommend Baldwin Mutual Insurance Company to your friends?
EO
Eunice O.
Dec 7, 2020
May or may not recommend
I asked for all the discounts I qualified for when I asked for a quote, Baldwin Mutual Insurance Company provided many discounts. They are a trusted backup, and I had a physical chat with their local agents. I checked their financial rating before closing the deal, and it's been smooth since then.
Victoria C.
Oct 28, 2020
May or may not recommend
Are you in search for a trusted backup and leaverage? Then look no further. The Baldwin Mutual Insurance offers a great cover for life's vissicitudes.
Though situated in Alabama, I have enjoyed enormous property discounts, and policy cover in flood occurrences. All this templates put together by this crew makes me totally satisfied and delighted on its returns.
HK
Hailey K.
Oct 9, 2020
May or may not recommend
Alabama residents may benefit from this insurance. However, if you are looking for a nationwide company, this would not be your answer. With only offering flood insurance you could rest assured knowing you were reviewing top quality flood coverage.
Showing 3 of 3 reviews