Last Updated: 04/18/2025
Windsor Mount Joy Mutual Insurance
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Financial Strength Rating
A(Verified 04/18/2025)
Windsor Mount Joy Mutual Insurance Review
Windsor Mount Joy Mutual Insurance is an insurance carrier based in Ephrata, PA. The company was founded in 1844 and offers flood insurance in 9 states 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.
Windsor Mount Joy Mutual Insurance FAQ
What types of coverage does Windsor Mount Joy Mutual Insurance 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. Windsor Mount Joy Mutual Insurance 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.
- Dwelling Coverage: Also called dwelling insurance. This is the part of your flood insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home. Federal flood insurance has a maximum coverage of $250,000. If you have a mortgage, your lender may require you to apply for excess flood coverage.
- Personal Property Protection: This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them. Federal flood insurance through the National Flood Insurance Progam maxes out at $100,000. If that doesn't cover the value of your personal property, consider buying excess flood coverage.
Windsor Mount Joy Mutual Insurance customers can also add the following riders or endorsements to their home insurance policies:
How can you save money on a Windsor Mount Joy Mutual Insurance home insurance policy?
When you ask for a quote with Windsor Mount Joy Mutual Insurance, make sure you ask for all the discounts you qualify for.
- Community Rating System: The National Flood Insurance Program's (NFIP) Community Rating System (CRS) is a voluntary incentive program that encourages community floodplain management activities that exceed the minimum NFIP requirements. Flood insurance premium rates of federal flood insurance policies are discounted to reflect the reduced flood risk resulting from the community actions.
- 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 Windsor Mount Joy Mutual Insurance.
What additional benefits does Windsor Mount Joy Mutual Insurance offer?
Windsor Mount Joy Mutual Insurance 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 Windsor Mount Joy Mutual Insurance?
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.
Windsor Mount Joy Mutual Insurance scores an A or excellent, which is SuperMoney's second highest available score.
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Message from Windsor Mount Joy Mutual Insurance
Hours of Operation
SundayClosedMonday8:00AM - 5:00PMTuesday8:00AM - 5:00PMWednesday8:00AM - 5:00PMThursday8:00AM - 5:00PMFriday8:00AM - 5:00PMSaturdayClosed
Other Services by Windsor Mount Joy Mutual Insurance Company
SuperMoney Net Recommendation Score
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Windsor Mount Joy Mutual Insurance Community Reviews
Would you recommend Windsor Mount Joy Mutual Insurance to your friends?
JM
Joann M.
Dec 18, 2021
May or may not recommend
They don't pay on valid claims, horrible to deal with,disrespecful.
U
Anonymous
Oct 26, 2020
May or may not recommend
They denied my claim. Joe Cardile, John Hurbiak, Ted Riley, John Gallagher are all liars. I had a hearing at Office of admin. Hearings 1 month ago. I pulled in the parking lot. They all where in Joe Cardile truck plotting against me. Getting their stories straight. 3 little men sitting in the lawyers truck before the hearing. 2 of the men no longer work for Windsor and Joe paid ...Show More
ND
Norma D.
May 19, 2020
May or may not recommend
Windsor Mount Joy made very little effort to resolve my complaints...Neighbors were using back hoes at night excavating without the permits...Windsor Mount Joy sent me a letter accusing me of damage to my master bedroom wall (3 holes ) because I removed old carpet there...They have dropped me as in refusing to cover anything and failed to investigate my claims for damages...They had initially asked for copies of Law Enforcement ...Show More
MR
Marvin R.
Jan 19, 2020
May or may not recommend
Windsor Mutual Joy and Valeo Insurance solutions work together to deny your claims. They denied my claim in a category 2 hurricane that hit my house on 25 MAY 19. They sent Ted Riley he spent 3hours taking paictures of all the damage. Then they sent John Hurbiak from valeo insurance solutions. John works with John Gallagher to deny your claims. They are over priced and pleasedon't use them. All ...Show More
Showing 4 of 4 reviews