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Today, Midwest Family has expanded quite a bit to provide protection against a number of different perils. Homes, vehicles, businesses, and farms can all be insured through the company. They sell products in 16 states, primarily focusing on the Midwest.
Policies are sold through independent agencies rather than direct sales, fostering more of a person-to-person community feel around the brand. This sort of personable vibe carries through in the way MFM presents itself online. The website’s front page, rather than displaying a marketing message, features letters from the CEO about the health of the company and its relationship to customers.
This approach underlies the community aspect of the mutual company and gives an overall impression of a customer-focused business.
Personal Auto Insurance
Drivers insured with Midwest Family can choose from a number of different policy configurations including bronze, choice, ultra, and platinum. However, despite the wide array of policies listed on the site, there is no explanation of what any of these plans include or their differences between one another. Calling customer service for clarification doesn’t help much. The number is available only during CST business hours and generally refers callers back to their agents and agencies.
Personal Property Insurance
Curiously, Midwest Family Mutual’s website offers much more detail about its homeowners policies than it does its auto plans.
The two package bundles are called “Homeshield” and “Home Elite.” The first of these is a more basic homeowners policy.
Home Elite, meanwhile, provides a bit more convenience, offering a single policy limit for all of your property (rather than individual value caps for various personal items) and a waiver of premium in the event that you become disabled after obtaining the policy. The Elite package also comes with boat liability insurance included, which might be a useful addition for some people.
Whatever policy you choose, you can further customize it by adding some endorsements for sewage backup, valuable personal property, the contents of your refrigerator, service charges from the fire department (when they fight a fire at your home), injury liability, and more. What’s significant to note is not that these protections are available but that they must be purchased individually — anything that comes as an endorsement is not included in your basic policy, and you may be unpleasantly surprised to find out that something is not covered because you’re not paying extra for it.
Midwest Family Mutual also offers Personal Umbrella insurance with coverage up to $5 million.
Midwest Family Mutual got its start insuring farms, and it still has a heavy focus on business-related policies even though the company has moved away from farm coverage.
Commercial insurance is offered in more states than personal policies, and different types of plans are available for all sorts of businesses including retail stores, hotels, restaurants, wholesalers, and offices.
Business coverages will vary between policies to meet the needs of a particular industry, but in general they will provide some combination of the following:
- Liability coverage, including general liability, malpractice coverage, fire liability for apartments and hotels, and professional liability for certain service-oriented businesses.
- Commercial property coverage for the building and premises and work equipment.
- Loss of business protection when your work is disrupted due to a covered claim.
- Commercial auto insurance for work vehicles, with additional coverage available for trucking fleets and other motor carrier companies.
Additional coverages can be purchased for more specific situations, like employee dishonesty, computer coverage, or the loss of valuable records.
You’ll need to discuss your needs with an agent to mix-and-match a policy that will be appropriate to your specific business.
Policies are sold through independent agencies, therefore you will have to find a local agent in order to obtain a quote or purchase insurance.
The site has an “Agent Locator“ option on the left-hand side of the page. You search by zip code, and you’ll get a map of nearby locations along with agency information. In addition you can call the customer service line at 1-800-255-5636 for information.
Not all policies are available in all areas, so you may not be able to obtain the coverage you want in your state. Currently, business insurance is available in more areas of the country than personal auto or home coverage.
Midwest Family Mutual customers should file their claims through their local agent’s office whenever possible. In cases of emergency, you can call 1-800-225-5636, available 24/7, and choose the appropriate number for more assistance. Bear in mind that this emergency line can only give you basic claims help during nights and weekends; you’ll need to wait for business hours to speak with an adjuster.
In general, once you’ve made the initial report through your agent’s office or over the phone, that information will be passed along to an adjuster, who will then call you within 24 hours to obtain any additional information and walk you through any extra steps that must be completed. The website states that in most cases, payment will be made within ten days of assignment. The company’s website does have a “Claims Services” page that gives a more detailed description of what to expect.
Midwest Family Mutual is a fairly small business, and many of its policies are sold to businesses rather than individuals. These two factors probably affect the low number of consumer reports or ratings available online.
Although it is not accredited, Midwest Family Mutual does have an A+ rating on the Better Business Bureau website. There are however, no reviews or complaints listed in the last three years.
We were unable to find much in the way of reviews or complaints for the company. Again, this is most likely due to the fact that the policies are mainly through businesses rather than individuals.
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Midwest Family Mutual straddles the line between a “business-to-business” company and personal insurer, and it’s hard to tell for sure where its focus really lies. The company’s website does a good job of personalizing its brand, but then fails to deliver valuable information where it’s most needed, such as info about specific coverage options.
The fact that their sales and customer service are focused so firmly on agencies makes it harder to research independently. Overall, this is probably a company you will really only encounter if your existing agent recommends it to you.
For a list of companies that we recommend, visit our Best Insurance Companies page.