In Colonial Life, you can be your own boss, make your own money, and make a difference.
A Deep Dive into Colonial County Mutual Insurance Company
Colonial County Mutual Insurance Company is a regional insurance provider located in Canton, Ohio that has been serving customers since at least 2012. As a smaller, local company, Colonial County offers an alternative to big national insurance brands. In this comprehensive review, we’ll take a close look at Colonial County Mutual to see if they are the right choice for your insurance needs.
Overview of Colonial County Mutual Insurance
Colonial County Mutual Insurance operates as a regional property and casualty insurance carrier. They provide coverage to customers located in the state of Ohio where the company is based. Colonial County offers a range of insurance products including auto, motorcycle homeowners life, and business insurance.
The company’s headquarters is located in Canton, OH and they serve customers in the counties surrounding Stark County. As a mutual insurance company, Colonial County is technically owned by its policyholders rather than investors or stockholders.
Insurance Products Offered
Colonial County offers all the major types of insurance coverage that individuals and businesses need
-
Auto Insurance – Colonial County provides standard auto insurance policies that include liability, collision, comprehensive, uninsured motorist, and other common protections. Full coverage or liability-only policies are available.
-
Motorcycle Insurance – For motorcycle owners, Colonial County offers insurance to cover liability, collision, comprehensive, accessory coverage, and more.
-
Homeowners Insurance – This covers your dwelling, other structures like garages, personal property, loss of use, liability, and additional protections. Discounts may apply for safety features.
-
Life Insurance – Both term and whole life insurance options are available from Colonial County. Term life covers a set time period while whole life offers lifetime protection.
-
Business Insurance – Commercial coverage like general liability, property, loss of income, commercial auto, workers compensation, bonds, and umbrella insurance.
In addition to these core offerings, Colonial County provides some financial services including banking and retirement planning.
Company History and Background
Not much is publicly known about the full history and ownership of Colonial County Mutual Insurance Company. However, we do know that they have been in business for at least a decade, being established no later than 2012.
As a mutual insurance company, Colonial County is owned by policyholders rather than external investors. They are likely governed by a board of directors elected by policyholders. The company exclusively serves customers located in their local region of Ohio.
Colonial County Ratings and Accreditations
As a smaller regional insurer, Colonial County Mutual Insurance does not have financial strength ratings from agencies like A.M. Best. However, here are some key points on their credentials:
-
No accreditation or rating from the Better Business Bureau. Colonial County has been BBB-registered since 2012 with zero complaints.
-
Not rated by standard insurance scoring companies like J.D. Power, Consumer Reports, or Insure.com.
-
No publicly available complaint data since they lack financial ratings.
The lack of negative complaints and accreditations indicates Colonial County maintains adequate financial stability for a regional insurer. However, they seem to fly under the radar of major insurance rating agencies.
Customer Feedback and Reviews
With limited online presence, Colonial County Mutual Insurance does not have extensive customer feedback available:
-
Zero reviews on the BBB despite being registered since 2012.
-
No ratings or reviews on major insurance review sites.
-
No official social media pages or customer feedback.
-
Almost no online reviews anywhere for the company.
The minimal online feedback is likely due to their localized customer base and focus on in-person service vs. digital experience. Potential customers may need to consult local contacts who use Colonial County to get insight into their reputation.
Insurance Costs and Discounts
As a smaller company based in Ohio, Colonial County may offer competitive pricing compared to large national insurance carriers. However, average costs can vary significantly based on:
-
Exact location within Ohio
-
Type of insurance policy
-
Amount of coverage and deductible
-
Driver age and accident history
-
Vehicle make, model, and age
-
Safety features and other discounts
To get an accurate quote, customers need to contact Colonial County directly to provide details. Some typical discounts include:
-
Safe driver discount
-
Good student discount
-
Multiple policy discount
-
Anti-theft devices
-
Defensive driving courses
Bundling home and auto insurance can also result in savings compared to separate policies. Pricing depends on the specifics of each policy. Colonial County provides free quotes to give customers accurate rates.
Getting a Quote and Filing a Claim
To get a quote or file a claim with Colonial County Mutual Insurance, customers need to reach out directly:
-
Request Quote: Call (877) 262-0247 and speak with an agent during business hours.
-
File a Claim: Call (877) 262-0247 and provide claim details immediately. Cooperate fully with any investigation.
Claims are handled based on policy type and circumstances. An adjuster inspects damage and determines payouts based on limits. Colonial County processes claims for all policies including auto, home, life, motorcycle, and business insurance.
Pros and Cons of Colonial County Mutual Insurance
Here are some key advantages and disadvantages to consider about Colonial County:
Pros:
-
Local company serving Ohio residents directly
-
Competitive pricing from a smaller regional insurer
-
Policyholders own the mutual company
-
No notable complaints and decent BBB standing
Cons:
-
Lacks financial strength ratings
-
Very limited online presence and customer reviews
-
Fewer insurance products than national companies
For homeowners and drivers located in Colonial County’s service area, they provide a locally-focused insurance choice. However, the lack of consumer feedback makes it difficult to fully assess their reputation.
Shoppers should compare Colonial County quotes against pricing from competitors like State Farm, Allstate, and GEICO. Reaching out directly allows obtaining a personalized quote for your specific insurance requirements.
Is Colonial County Mutual Insurance the Right Choice?
Colonial County Mutual Insurance offers localized insurance options for residents of Ohio. As a smaller mutual insurer, they provide an alternative to big national insurance brands.
Potential customers should carefully consider the lack of financial ratings and online reviews. However, competitive pricing and complaint-free BBB record are positives.
Drivers and homeowners in Colonial County’s service regions should absolutely request quotes to compare pricing. Their smaller size can translate to more personalized service. Just make sure to gather feedback from local community members who have experience with Colonial County before making a decision.
For residents of Stark County, OH and the surrounding region needing insurance, Colonial County Mutual is worth a look. Reach out today to get a customized quote directly from their knowledgeable local agents.
Why choose Colonial Life
No matter where your employees work, our different enrollment options make it easy for them to talk to a benefits expert one-on-one and make decisions that are right for them.
Enrollment options that will empower your workers include: in person, virtual, telephonic and online self-service.
The most important thing we do is teach your employees about all of their benefits, both major medical and optional.
We help workers get the most out of their benefits by giving them learning tools like custom websites, digital benefit booklets, and digital postcards that are geared toward the way they learn best.
You can make it easy for your employees to see and manage their benefits online with the Colonial Life for Policyholders portal.
Workers can check their personalized dashboard to see their benefits, file a claim, see claims that are still being processed, and change how they want to be contacted and paid.
We know the public sector and the different needs of civil servants because we are a trusted benefits provider for cities, towns, states, support services, and school districts.
We protect 500,000+ public sector employees in 42 states, 3,000 schools and 5,000 local governments.
We’re combining optional benefits that help us find and keep skilled workers with an easy-to-use HR tech tool that makes managing benefits a breeze.
As a one-stop shop for everyday HR tasks, Gathr can help improve accuracy, save time, and make the HR experience better.
Popular benefits at a glance
Employers can put together a full benefits package for workers that will keep them happy and help them find skilled workers without spending more money.
Colonial County Mutual Insurance review, pros and cons, legit, quote (update 2024)
FAQ
Who is Colonial County mutual?
Who owns mutual insurance company?
What company owns Nationwide?
Are Nationwide and Allstate the same company?
Does colonial County mutual insurance company offer car insurance?
Colonial County Mutual Insurance Company is an insurance provider that offers various types of insurance coverage, including car insurance. How do I file a car insurance claim with Colonial County Mutual Insurance Company?
Who is colonial County mutual?
From its humble beginnings as a regional insurer, Colonial County Mutual expanded its services and reach, evolving into a trusted name in the insurance industry. Over the years, it has adapted to changing market dynamics and customer needs, consistently focusing on innovation and personalized service.
How do I file a claim with colonial County mutual insurance company?
Filing a claim with Colonial County Mutual Insurance Company is designed to be a straightforward and convenient process. Policyholders have multiple options for reporting a claim, including online submission, over the phone, and through mobile apps.
When should you call colonial County mutual insurance company?
After ensuring everyone’s safety and gathering the necessary information, it is essential to contact Colonial County Mutual Insurance Company as soon as possible to report the incident. Have all the relevant information available when making the call, such as the date, time, and location of the accident, and any police reports filed.