Western National Insurance Group has been around for over 100 years, serving policyholders’ property and casualty insurance needs. But is it the right choice for your insurance needs? Here we’ll take an in-depth look at Western National reviews, ratings, products, and more to help you decide if it’s the best fit.
A Brief Background
Western National started as a St. Paul, Minnesota-based fire insurance company for creameries and cheese factories. It has evolved into a super-regional insurer for individuals, families, and businesses across the Midwest.
The company is a private mutual insurer meaning it is owned by policyholders rather than shareholders. It serves customers in 19 states providing a range of commercial and personal lines insurance products.
Western National Ratings and Reviews
Western National Insurance Group currently holds a 3.1 out of 5 rating based on 205 reviews on WalletHub. Ratings and reviews on other sites are limited.
On the positive side, customers appreciate Western National’s personalized service and responsiveness Many say customer service agents are friendly and claims are handled promptly
However, a common complaint is difficulty reaching agents and long hold times when calling the company. Some customers report claims denials for questionable reasons or overly rigorous rules. Rates are said to be high compared to some competitors.
Products Offered
Western National sells a variety of insurance policies for both businesses and individuals/families:
Personal lines:
- Auto insurance
- Homeowners insurance
- Renters insurance
- Personal umbrella insurance
- Recreational vehicle insurance
Commercial lines:
- Business owners policies (BOP)
- Commercial auto
- General liability
- Professional liability
- Workers compensation
- Commercial property/inland marine
The company focuses largely on mainline property and liability products, with limited extras. For instance, it does not currently offer mobile home or flood insurance policies.
Discounts and Rewards
Western National offers typical auto insurance discounts like:
- Multi-policy
- Safe driver
- Defensive driver training
- Good student
- Anti-theft devices
The company does not appear to offer many discounts on homeowners policies. There are also no rewards programs for loyal customers.
Availability and Customer Service
Western National writes policies in 19 Midwestern and Western states:
- Arizona
- California
- Colorado
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Michigan
- Minnesota
- Missouri
- Montana
- Nebraska
- Nevada
- North Dakota
- Oregon
- South Dakota
- Washington
- Wisconsin
The company encourages customers to work with a local agent for service. Policyholders can also contact Western National’s headquarters in Minnesota or regional offices for support. Phone and online services are available.
The Bottom Line: Is Western National Worth Considering?
Western National Insurance Group is best suited for customers looking for a smaller, localized insurer with decent financial strength. Personalized service from agents in your community can be a plus. However, the company’s ratings and reviews suggest customer satisfaction is not consistent across the board.
Western National lacks some extras you may find with larger national insurers, like robust discounts and rewards programs. But for shoppers wanting a more “old school” experience with agents they know, it remains a competitive choice for mid-market insurance buyers in its footprint.
Doing your due diligence is advised when choosing an insurance provider. Be sure to compare Western National’s prices and offerings against competitors like State Farm, Allstate, and others. Check policy terms closely and lean on a trusted agent to help explain coverages. This will ensure you find the right balance of price, features, and service for your situation.
BBB Rating & Accreditation
Years in Business: 123
Customer Reviews are not used in the calculation of BBB Rating
OverviewAccording to information supplied by the company, Western National Mutual Insurance Company offers personal and commercial insurance products and services.
BBB Tip: Insurance companies
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Western National Mutual Insurance review, pros and cons, legit, quote (update 2024)
FAQ
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What happened to Western National Life Insurance Company?
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Is Western National Insurance a good insurance company?
Customer reviews of Western National Insurance are generally positive, with customers praising the company’s customer service, claims handling, and affordable rates. Some customers note that coverage options may be somewhat limited, and a few report difficulty reaching their agents. Explore Western National Insurance in our detailed article.
What do customer reviews say about Western National Insurance?
Awards for customer service, innovation, or other categories can be indicative of a provider’s strengths. Customer reviews of Western National Insurance are generally positive, with many customers praising the company’s customer service, claims to handle, and affordable rates. Here are some common themes that emerge from customer reviews:
Who is Western National Insurance Group?
Western National Insurance Group is a private mutual insurance company with 115 years of experience serving policyholders’ property-and-casualty insurance needs.
How does Western National Mutual Insurance Company rank among providers?
To evaluate how Western National Mutual Insurance Company ranks among providers, you can consider the following: Financial Strength Ratings: Check the company’s financial strength ratings from rating agencies like A.M. Best, Moody’s, Standard & Poor’s, or Fitch. These ratings provide insights into the company’s financial stability.