We were there for you then and we are there for you now.
Since its founding in 1889, Northern Mutual Insurance Company has been committed to providing exceptional insurance protection and customer service to the people of Michigan. As a mutual insurance company, we are owned by our policyholders, which means we are dedicated to putting the needs of our customers first. Our mission is to provide our policyholders with personalized service, competitive rates, and comprehensive coverage options. With a strong A- rating from A.M. Best, we are committed to being the trusted insurance partner for our policyholders.
Our History
In 1889, Erick Kakela, a farmer from Calumet, Michigan, had a vision to create a mutual fire insurance company that would protect the people and properties of Michigan. With the support of 40 prominent citizens of Calumet, Kakela founded Finnish Mutual Fire Insurance Company, which would later become Northern Mutual Insurance Company. For over 130 years, we have been serving the people of Michigan, adapting to their changing needs and developing innovative products that meet their insurance needs.
Our Products
At Northern Mutual Insurance Company, we offer a range of insurance products designed to meet the unique needs of our policyholders. Our product portfolio includes:
Homeowners Insurance
Protect your biggest investment with our comprehensive Homeowners Insurance program. Our Homeowners Insurance offers coverage for your home, contents, and personal belongings, as well as liability protection and additional coverage options.
Dwelling Fire Insurance
Our Dwelling Fire Insurance program provides coverage for your investment properties, including owner-occupied and rental properties.
Automobile Insurance
Get the right coverage for your vehicle with our Personal Automobile Insurance program. Our program offers coverage for bodily injury liability, property damage, and other essential coverage options.
Additional Products
We also offer Personal Umbrella Insurance, which provides extra liability coverage above your Auto or Home policy limits.
Claims and Payment Options
We understand that accidents can happen, and that's why we have a dedicated claims team available 24/7 to assist with any claims or questions you may have. We also offer flexible payment options, including credit card, electronic check, and automatic payment plans.
Benefits of an Independent Agent
As a mutual insurance company, we partner with Independent Agents located throughout the State of Michigan. These agents are dedicated professionals who live and work in your community, and are committed to finding the right insurance coverage for your individual needs. Unlike captive agents who work for a single insurance company, Independent Agents represent multiple insurance carriers, giving you more choices and options.
Conclusion
At Northern Mutual Insurance Company, we are committed to providing our policyholders with exceptional service, competitive rates, and comprehensive coverage options. With over 130 years of experience, we have the expertise and knowledge to help you navigate the complex world of insurance. Contact your Independent Agent today to learn more about our products and services.
Company Performance
The reviews of Northern Mutual Insurance Company are overwhelmingly negative, with several customers expressing their dissatisfaction with the company's service and coverage. Unprofessional employees are a common complaint, with some reviewers reporting that they were treated badly over the phone and received little support when making claims. The company's handling of claims is also a major concern, with some reviewers stating that they were not covered for various details in their policy and were forced to pay out of pocket.
Communication Issues
Several reviewers have criticized the company's communication, stating that they were not properly notified of changes to their policy or coverage. This lack of transparency has led to confusion and frustration for customers. Additionally, some reviewers have reported that the company is willing to drop coverage with little notice and without confirmation that the notice was received.
Quality of Coverage
Many reviewers have expressed their disappointment with the company's coverage, stating that it is not worth the cost. Some reviewers have reported that their rates went up, and others have stated that they were not adequately covered for various events.
Positive Experiences
However, there are a few positive reviews that stand out. A few customers have reported having a good experience with the company, citing helpful and friendly customer service. One reviewer appreciated the ease of the claim process, and another praised the company's competitive rates and efficient customer service.
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