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Ohio Mutual Insurance Review



I started Insurance Blog by Chris ™ because I have a passion for insurance. Here on the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers who help people understand all forms of insurance.

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Written by

Chris Huntley

Founder of Huntley Wealth & Insurance Services

Chris Huntley

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she received her Property and Casualty license in all 50 states. After several years, she expanded her insurance expertise and also received her license in health and AD&D insurance. She has worked for small health insurance companies …

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Reviewed by


Rachael Brennan

Licensed insurance agent

Rachael Brennan

UPDATED: April 1, 2022

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Here’s Scoop

  • Ohio Mutual Insurance Group sells flexible and customizable insurance products to customers across the Midwest and Northeast
  • The protection extends from private home and car insurance to commercial coverage
  • Customers praise the company for professionalism and affordable prices

Buying the best insurance is stressful. It is challenging to know which companies offer the best products and prices. We understand. That’s why we write impartial company reviews and provide access to free and easy quotes. Today we are going to look at Ohio Mutual Insurance Group.

This article will explore Ohio Mutual Insurance Group coverage, financial ratings, and customer reviews.

What products are offered by Ohio Mutual Insurance Group?

Ohio Mutual’s insurances include a wide range of personal and commercial property protections. The products vary by state and are available in Connecticut, Indiana, Maine, New Hampshire, Ohio, Rhode Island and Vermont.

Ohio Mutual offers many types of supplemental coverage. Depending on your state and plan, you may be eligible for different discounts.

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Ohio Mutual Insurance Group Homeowners Insurance

If you compare best home insurance companies, you may have heard of Ohio Mutual. The company’s flexible plans include opportunities to tailor your policy with various extensions. Depending on your state and situation, you may be eligible for discounts.

Ohio Mutual homeowners insurance includes the following protections:

  • Housing coverage. An Ohio Mutual Homeowner Policy Protects Your Home.
  • Coverage for other structures. Homeowners’ policies protect other buildings on your property, such as sheds or garages.
  • Coverage for personal property. The plan includes personal belongings such as furniture, white goods and clothing.
  • Personal liability protection. The plan covers damage and damage to other people’s property caused by you.
  • Medical payments to others. If someone is injured on your property, this feature can cover their healthcare costs.
  • Additional cost of living coverage. This feature helps pay for temporary housing if your home is damaged in a covered accident.

Ohio Mutual’s insurance plans are available by talking to an agent.

Additional coverage for homeowners

In addition to the included coverage, Ohio Mutual offers many additional protections. Some of the additional insurances that you can use to customize your homeowner’s policy include:

  • Personal cyber protection. You can add Ohio Mutual’s cyber protection service to your policy in some states.
  • Compensation coverage. Ohio Mutual offers compensation cost coverage for personal property and compensation guarantee for your home.
  • Holiday home coverage. You can add your secondary or seasonal home to your homeowners plan.
  • Coverage for equipment breakdowns. This supplement helps pay for the cost of equipment failure in your home.
  • Earthquake coverage. If you live near a major fault line, you can benefit from earthquake insurance.
  • Coverage for rare and unique items. This add-on protects your collectibles, such as art, jewelry and firearms.

You may have access to more additional coverage depending on where you are.

Discounts for home insurance

In addition, Ohio Mutual offers a large selection of discounts for all policy types. Some available offers with a homeowners plan include:

  • Protective devices. You may be eligible for this discount if you have certain types of protection devices installed in your home, such as smoke detectors and security systems.
  • Teacher / first respondent / veteran discount. Members of these professions may be entitled to a discount on their homeowners policy.
  • Home and car discount. If you package your home and car insurance with Ohio Mutual, you can get a discount.
  • Residence less than 20 years old. If your home is less than 20 years old, you may be entitled to a discount on your home insurance.

You can talk to an Ohio Mutual Agent to learn more about the options for your location.

Ohio Mutual Group Car Insurance

The best car insurance companies provide flexible coverage that you can tailor to your needs.

Ohio Mutual’s car insurance is available in different types of coverage. Starting with the state’s minimum liability protection, Ohio Mutual offers a range of options to protect your assets.

Coverage available with Ohio Mutual Car Insurance includes:

  • Liability insurance. This plan covers bodily injuries and property damage that you caused to another person.
  • Collision insurance. This type of coverage pays for losses caused by hitting another object.
  • Comprehensive insurance. Comprehensive plans cover damage caused by non-collision incidents, such as weather, animal damage, vandalism and theft.
  • Uninsured / Uninsured Motorist insurance. This insurance pays for losses caused by a driver without insurance or insufficient insurance coverage.

In addition to these insurances, Ohio Mutual offers several types of additional protection, including accident benefits, pet insurance and newly acquired vehicle insurance. Depending on your condition, you may be able to customize your coverage by adding these plans.

Discounts for car insurance

Ohio Mutual offers many opportunities for savings with their car insurance. Some discounts available with an Ohio Mutual car insurance plan include:

  • Anti-theft equipment discount. If you have specific anti-theft devices installed on your vehicle, you may be eligible for this discount.
  • Multiple discount. Insuring more than one vehicle with Ohio Mutual qualifies you for this discount.
  • Security device discount. Specific safety devices, such as anti-lock brakes and passive restraint systems, may qualify for this discount.
  • Student discount. Discounts are available for students who meet specific academic criteria or are far from home without a car.

In addition to these discounts, Ohio Mutual gives customers access to many savings opportunities depending on location and situation.

What other services does Ohio Mutual Insurance Group provide?

Together with its homeowners and car insurance companies, Ohio Mutual provides coverage for tenants and farm owners. In addition, several types of commercial insurance coverage are available.

Ohio Mutual Insurance Group Renters Insurance

Ohio Mutual’s rental insurance covers personal property, liability and extra living expenses.

There is a wide range of additional coverage available. You can add services ranging from cyber protection to art and natural disaster coverage to your insurance.

As with its other insurance plans, Ohio Mutual offers many discounts and savings opportunities with its rental insurance policies.

Ohio Mutual Insurance Group Farm Insurance

Ohio Mutual has been insuring farmers in Ohio for over 100 years.

The plans cover homes, personal belongings, farm structures, machinery, livestock, tools, etc. Coverage includes liability and medical payments, and many additional protection options are available.

Ohio Mutual Insurance Group Commercial Insurance

Ohio Mutual’s commercial insurance products include real estate, liability, inland shipping and commercial vehicles.

Several combination packages are available for entrepreneurs. You can talk to an agent to learn more about the plans available in your country and how your business can benefit from them.

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Ohio Mutual Insurance Group reviews and ratings

Two of the most critical sources of information to consult when searching for an insurance company are financial ratings and customer reviews.

Ohio Mutual Insurance Group Financial Ratings

Financial ratings are impartial assessments of a company’s financial strength. Third-party review agencies are responsible for these assessments and take into account various facts when reviewing a company.

Ohio Mutual has an A (excellent) rating from AM Best, one of the country’s most trusted financial credit rating agencies. In addition, the company’s financial prospects are listed as stable.

Although rated by AM Best, no other significant financial reviewer has rated Ohio Mutual.

Ohio Mutual Insurance Group Customer Reviews

Customer reviews are critical. They give us a good idea of ​​how the company treats its customers and whether it keeps its contracts.

Ohio Mutual is Better Business Bureau (BBB) ​​accredited and has an A + rating based on customer information and complaints.

The company has a rating of 4.4 / 5 stars based on 505 Google reviews. With Clearsurance, Ohio Mutual has a 3.92 / 5 star rating based on 47 customer reviews.

Negative reviews of the company complain about poor customer service. However, there are many positive reviews. Satisfied customers praise the company for its professional agents and affordable prices.

Ohio Mutual Insurance Group: The Bottom Line

Ohio Mutual Insurance Group offers a wide range of insurance coverage. It offers flexible protection for your assets, from private home insurance to commercial coverage.

Ohio Mutual offers many discount options and savings opportunities with all their plans.

The company is well rated by AM Best, and customer reviews are generally positive. There are some complaints about poor customer service, but most customer comments express satisfaction with the company. Many customers praise the company’s professionalism and affordable prices.

Overall, if you are looking for affordable insurance with flexible coverage, Ohio Mutual Insurance Group can be a great choice.

Before making a final decision, remember to do a lot of research. Comparing multiple companies and their services can help you make the right choice for you and your family.


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