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  • Available 24/7 by Phone
  • Cosmetic Damage
  • Liability
  • Personal Belongings
  • Reimbursed Living Expenses
  • Structure
  • AM Best Financial Strength Rating
    A+
  • Claim Forgiveness
  • Loyalty Program
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0 votes

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 I couldn't ask for anything more. I would recommend them.


0 votes

We received a cancellation for reasons Western Mutual will not disclose with us. Upon receiving the letter, my wife and I tried to figure out why they were cancelling our policy. We've never filed a claim and no damage has ever been done to our home that would constitute a claim. We've never been late on our payments and usually even pay a week early when we can. We're not sure why, but they just up and cancelled us. We were left stranded without insurance. Thanks, Western Mutual.


0 votes

I've had a pretty good experience with Western Mutual so far, granted that we have not had them for long. My wife and I moved to another state a few months back, and got switched to Western Mutual for our homeowners insurance. We haven't had any issues thus far, and the customer service we've experienced here is pretty good. Hopefully we won't have to file any claims, or go through anything with Western Mutual. So far, they've been good to us.


0 votes

Compared to my old home insurance company, Western mutual is like a gold mine. I was so used to horrible customer service, high premiums, constant increases in rates, bad claims departments.. you name it. My old company was horrible. Western Mutual is like a breath of fresh air for me. They're pretty nice to talk to and have handled the one claim I've had for home damages pretty quickly. I think they're great, especially compared to other crappy companies.


0 votes

I've had Western Mutual for my home insurance for some time now, but am currently looking for another provider. I didn't have any issues until recently, when I called customer service to ask a few questions for the specifics of my insurance. Initially, I wanted to compare them with other insurance providers, but now I am sure I'm going to switch. The team is so unprofessional, and did not return my calls in a timely manner (if they did at all). I had to call many times just to get ... an answer to a very basic question. More Less


0 votes

Western Mutual declined my policy application for the worst reasons possible. When I received the notice that they had declined me, I literally laughed at the reasons they listed. Even though my home is located on flat land, and it is flat for miles around, I'm at a high risk of landslides. This doesn't make any sense. I've lived here for 12 years and have NEVER experienced anything close to a landslide. Oh well, they just lost a customer for a silly reason.


0 votes

Western Mutual cancelled our insurance after only one claim. I didn't know that insurance companies did that. One claim and we were done. Even after we contacted them to dispute this, they couldn't give us a straight answer. We were left without homeowners insurance and had to find another company asap. Beware of Western Mutual. They will seem all fine and dandy when you first get a policy, but they'll cancel you just like that and leave you in the dust.


0 votes

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 through to any insurance agents. It's been a few weeks and I've pretty much given up trying to contact them. ... Oh well. More Less


0 votes

I'm so dissatisfied with Western Mutual, that I have recommended my family members get rid of them as well. Us getting rid of this company wasn't really a choice, as we received a silly, unreasonable cancellation letter, but now they have lost eight customers. They do not value their customers, nor do they value your homes. They must think they can just cancel people's home insurance for no apparent reason, but it really is ridiculous.


0 votes

I was turned down for home insurance through Western Mutual because of my job? After contacting them, the customer service representative stated that my position puts me at risk of being sued or having lawsuits brought against me. I told them I don't have a home based business, and that nothing I do is at home. But they continued that I was ineligible for home insurance through them unless I were to change my employment.


0 votes

It's a shame that Western Mutual has such bad reviews, but they are for a good reason. My family has had them for 9 or so years. They haven't caused us any trouble and we've only had to file two claims in that time. They've been alright. Just recently we got a notice stating something about our waterlines. Apparently they had to be moved. If we didn't do this, Western Mutual would cancel our policy. So we just canceled our policy before they could and got another insurance provider.


0 votes

For some reason, Western Mutual cancelled our home insurance without our knowledge. We've had them for years, and never had to really deal with them for any reason. We made the payments on time, and they provided decent insurance. We filed a claim, and a month later, we received a letter stating our insurance was canceled. I tried getting through to someone to ask why, but after a week, gave up. Now we're looking around for other insurance, and hopefully this won't happen again.


0 votes

We've had Western Mutual for about six years, and out of the blue, got a cancellation letter. Even though we live in a well maintained gated community, the letter stated that our proximity to trees and bushes around was a hazard. Our home was newly built when we bought it six years ago, and we haven't changed anything about the landscaping, and neither have our neighbors. We're confused, but decided to take another home insurance route.


0 votes

We've had Western Mutual for many years for our homeowners insurance and have only filed one claim. First off, they didn't want to file a claim and my husband and I had to practically force them. After that, they ended up only paying a small portion to cover the damages done to our home. We had to pay a huge chunk out a pocket. They were not helpful AT ALL. After all these years and only one claim, we are now getting a new insurance provider. Western Mutual is unreliable.


0 votes

Why does Western Mutual demand that you do something to change your home, and then make it a complete headache?? I have an older home with many outdated things in it. Western Mutual told me I had to update my home because if I didn't, it would raise my premiums through the roof. It took months and months for them to get everything updated. It was a nightmare and a complete pain in the neck. I wish I would have just gotten another insurance company because it was the worst ... dealing with them. More Less


0 votes

I know insurance companies have various departments and various people dealing with their policies, but it's frustrating when no one seems to be on the same front. They apparently have a bunch of underwriters that can find issues with your policy and will issue a cancellation of your policy without reason. The customer service department apparently has nothing to do with this, and cannot help you when you have a question about it. It's severely frustrating. They need to get on one page.


0 votes

I got a quote from Western Mutual, but was immediately denied for homeowners insurance. When I contacted them and asked why, they looked into my application and said that they don't provide insurance to people with "high risk" occupations. What! That's crazy, I've never heard of that before. I've never had an issue getting any sort of insurance because of my "high risk" job, so I don't know why it was a problem now.


0 votes

My husband and I got Western Mutual about 12 years ago, right when we bought our home. Recently, we had an issue within our home, and had to file a claim for the insurance. Even though we thought we had a good amount of coverage through this company, we were wrong. They paid a VERY small portion of it, and we had to cover the rest of the damages. Also, they didn't make any sort of attempt to work with us when we asked about their coverage compared to what ... they cover for claims. I guess long term customers have no value to them. More Less


0 votes

From all of the negative reviews I've been reading, I can tell that pretty much every unhappy Western Mutual customer is unhappy for the same reason. Obviously, if you file one claim, your insurance gets canceled. This happened to me, so I wanted to see if anyone else had this issue with them, and I guess a good chunk of their customers have. I've since gotten a new home insurance provider, and from the get-go, I can tell they're a better match for me.


0 votes

Western Mutual must be a very disorganized company, or it is just so poorly run. I received a letter stating I'd have to change the plumbing in my home, or they'd have to cancel my home insurance through them. I didn't understand whatsoever, because this has never happened before, so I called to speak with them. I spoke with a very rude gentleman who was not at all sympathetic. After I refused to do as they requested, I got two letters in one week. One cancelling my insurance, and one ... still requesting me to change my plumbing. Nevertheless, I will not continue to do business with them. More Less


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