Rural Mutual Renters Insurance Review

#10 in Renters Insurance

 

For more than 80 years, Rural Mutual Insurance has been a provider of renter’s insurance plans for families, businesses and farms. The Company’s rental insurance programs cover personal property and liability protection. Rural Mutual Renters is available for single family home, condo, and renters.  

 

Company Profile 

BBB Ratings 

 A+

States Served 

 1

Age of Company 

 80

AM Best Ratings 

 A+

 

Types of Structure Covered 

Rural Mutual covers insurance for apartment, condominiums, and single-family houses. They do not offer insurance or townhouse and their service is exclusive to Wisconsin residents only.

 

Apartment 

 Yes

Condominium 

 Yes

Townhouse 

 No

Single-family House 

 Yes

 

Plan Details 

Rural Mutual has limited information on the type of plans they offer on their website. Their sample policy is concealed and cannot be viewed online. For detailed information about their policy delivery time, monthly withdrawal, and claims deposit, customers can contact them through phone or online.

 

Policy Delivery Time 

 Not Stated

Automatic Monthly Withdrawal 

 Not Stated

Claims automatic deposit 

 Not Stated

Paper Policy Statement 

 Not Stated

Mobile Access 

 Yes

Sample Policy 

 None

 

Coverage & Protection  

Rural Mutual compared to the other companies reviewed provide limited coverage on their renter’s insurance programs. Their insurance does not cover damages by fire or lightning, vandalism, injury caused by pets, impact by a vehicle, and freezing or plumbing system. They also do not cover insurances for personal properties like computers, firearms, jewelries, silverwares, and gold wares.

 

Personal Injury 

Yes

Property Damage 

Yes

Theft 

Yes

Fire or Lightning 

No

Vandalism 

No

Windstorm or Hail 

Yes

Accidents in your home 

Yes

Injury caused by pets 

No

Impact by a Vehicle 

No

Freezing or plumbing system 

No

Business Personal Property 

Yes

Computers 

No

Firearms 

No

Jewelry 

No

Silverware & Goldware 

No

 

Discounts 

Rural Mutual Insurance offers basic discounts to their customers and an additional discount for their Home and Protective Devices product. Unlike other companies, Rural Mutual does not give discounts for renters who haven’t claim for three or more consecutive years. 

 

Claim-free History 

No

Multi-Policy Discount 

Yes

Fire alarm discount 

Yes

Sprinklers Discount 

Yes

Burglar Alarm Discount 

Yes

Other discounts 

New Home and Protective Devices Discounts

 

Help, Support & Usability 

Rural Mutual has limited customer support. They do not provide coverage calculator for fast cost estimation. The company also doesn’t have live chat support, and 24-hour telephone claims. We recommend that customers contact an agent directly for concerns and inquiries.

 

Coverage Calculator 

No

Online Quotes 

Yes

Online Claims 

Yes

24-hour Telephone claims 

No

Telephone Support 

Yes

Email 

Yes

Live chat 

No

FAQs 

No

 

Renters Insurance at Rural Mutual

Rural Mutual is a local Insurance Company that provides renters insurance for families, businesses and farms in Wisconsin. They provide renters optional coverages other than the standard coverage such as umbrella liability, watercraft, recreational vehicles, equipment breakdown, identity fraud expense, builder’s risk, and backup of sewer and sump pump overflow. Renters at Wisconsin can also include their boats and recreational vehicles on their policy. 

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