Last Updated: 04/18/2025
Western Mutual Home Insurance
Unaffiliated
Last Updated: 04/18/2025
SuperMoney User Recommendation Score +50
Strongly recommended8 total votes
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Highlights
Community Rating
Strongly recommended
Financial Strength Rating
A+(Verified 04/18/2025)
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Number of Reviews
Western Mutual Home Insurance Review
Western Mutual Home Insurance is an insurance carrier based in Irvine, CA. The company was founded in 1942 and offers home insurance in 6 states in the USA.
Western Mutual Home Insurance FAQ
What is the financial strength rating of Western Mutual Home 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.
Western Mutual Home Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.
What types of coverage does Western Mutual Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Western Mutual Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
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.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
Western Mutual Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage:
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
How can you save money on a Western Mutual Home Insurance home insurance policy?
When you ask for a quote with Western Mutual Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Home Monitoring System
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Western Mutual Home Insurance.
What additional benefits does Western Mutual Home Insurance offer?
Western Mutual Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
Digital Claims Reporting:
Never fax or mail a document again.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +50, or 4 on a 5-point rating scale.
+50
-1000+100
No one recommends
Everyone recommends
Western Mutual Home Insurance Community Reviews
Would you recommend Western Mutual Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
They have been amazing! Very prompt and understanding with my entire situation. If you don't have renters insurance or are looking at different options, don't hesitate to switch to them.
PC
Patrick C.
Oct 7, 2021
May or may not recommend
I’ve had nothing but good experiences when dealing with this Insurance.Everyone is easy to talk too even if your new .They will make sure you feel like their on your side .I’ve personally had them for 4 years now and iv yet to have any complaints.
Originsand T.
Jul 1, 2021
May or may not recommend
It didn't take long to reach an agent when I called for information and everything can be found on the website. Still comparing prices so did not make a decision but for me customer service is everything and the automated service was not attractive but as I mentioned the live agent answered quickly when I pushed 2.
TK
Timz K.
Apr 10, 2021
May or may not recommend
They have been amazing! Very prompt and understanding with my entire situation. If you don't have renters insurance or are looking at different options, don't hesitate to switch to them.
AW
Ann W.
Nov 10, 2020
May or may not recommend
I've had them for 6 years and they are wonderful. Friendly and helpful when I had wind damage and needed to file a claim, and easy to get questions answered.
Kelly A.
Jul 17, 2018
May or may not recommend
Great prices, were there when we had a water claim and helped us throughout the process.
U
Anonymous
Mar 21, 2015
May or may not recommend
I've had pretty good experiences with Western Mutual. Even with the negative reviews, I'm here to say that they do good sometimes. I've had them from the moment I bought my first home four years ago. Since then, I've filed one claim. They got someone out to assess the damages so quickly and I got a check even quicker. They are always so polite to me when I call and ...Show More
U
Anonymous
Mar 21, 2015
May or may not recommend
Honestly, I'm a bit frustrated with Western Mutual. They gave me a fairly low quote compared to other companies, and I applied for a policy through them. They ended up raising my premiums when I renewed. I hadn't filed any claims or anything like that. I just paid on time. Again, at the renewal period, they raised my rates again. I contacted them to see why, and I couldn't get ...Show More
Showing 8 of 8 reviews