Vermont Mutual Insurance Company Reviews: What Consumers Really Think

Vermont Mutual Insurance Company is one of the oldest insurance providers in the United States, having been in business since 1828 But how do current customers feel about this longstanding insurer today? In this article, we’ll dig into recent Vermont Mutual reviews to get an inside look at policyholder experiences.

Overview of Vermont Mutual Insurance

Vermont Mutual offers a range of insurance products including auto, home, business, farm, and more across Vermont, New Hampshire, Maine, Massachusetts, New York, and select additional states. Some key highlights about the company

• It has an A+ rating from AM Best, indicating excellent financial strength.

• Vermont Mutual is structured as a mutual insurance company, meaning it is technically owned by policyholders rather than shareholders.

• It has received accreditation from the Better Business Bureau, where it currently holds an A+ rating.

• The company serves over 300,000 policyholders nationwide.

What Customers Like About Vermont Mutual

Digging into recent Vermont Mutual reviews reveals there are a number of things policyholders tend to appreciate about this insurer:

• Strong customer service – Many reviewers compliment Vermont Mutual’s customer service team as being responsive, knowledgeable, and helpful. The ability to easily reach a live person appears to be a major plus.

• Local agents – Working through a local, independent insurance agent is important to many Vermont Mutual customers. They like having an agent who knows them and can provide personalized guidance.

• Competitive pricing – For some customers, Vermont Mutual offers very affordable premiums, especially compared to other national brand insurers they’ve used. Competitive pricing comes up often in positive reviews.

• Claims satisfaction – When they’ve had to file claims, some reviewers say Vermont Mutual processed payments quickly and fairly. Quick response times from adjusters is noted appreciatively.

• Policy options – Reviewers mention Vermont Mutual provides the important coverages they need, including add-ons like identity theft protection and equipment breakdown coverage on home policies.

What Could Be Better According to Reviews

While there are certainly satisfied policyholders, other Vermont Mutual reviews point out areas for improvement:

• Premium increases – A common complaint is getting hit with large rate hikes at renewal time, even without any claims. Drivers especially note rapidly rising premiums.

• Claims delays – Some customers describe very long claims delays, including one homeowners’ claim that took over 5 years to resolve.

• Claim denials – Reviewers are frustrated by claims denied for what seem like nitpicky reasons, like lacking photos from before a loss occurred.

• Policy nonrenewal – There are accounts of Vermont Mutual nonrenewing policies right after claims were filed or traffic violations occurred, catching long-time customers off guard.

• Lack of online account access – Customers in 2022 and beyond expect digital policy management, which Vermont Mutual lacks. Most interactions still require calling or involving an agent.

Key Takeaways From Vermont Mutual Insurance Reviews

Based on recent customer feedback, a few key themes emerge:

• Vermont Mutual earns loyalty through very localized, relationship-based service. But some expect more digital tools.

• The company gets mixed reviews on claims, with speedy payments praised by some and denials/delays criticized by others.

• While some find Vermont Mutual very affordable, others are dissatisfied by rising premiums at renewal time.

• There are concerns over nonrenewal practices, especially following claims or minor driving violations.

Overall, Vermont Mutual gets mixed reviews, with some very satisfied loyal policyholders and others underwhelmed by pricing, claims, and lack of digital access. There seem to be pros and cons versus national insurers. As with any company, experiences can vary widely depending on your specific situation.