Brethren Mutual Auto Insurance: Which States Are Covered?

Brethren Mutual Insurance Company has been insuring policyholders since 1897. The company provides commercial, farm, and personal insurance in Maryland, Pennsylvania, Virginia, Delaware, and the District of Columbia. Brethren Mutual is focused on property and casualty insurance, and their personal insurance options include both home and auto insurance. They also insure businesses and farms, which was their original line of business.

Brethren Mutual Insurance Company's history

Brethren Mutual Insurance Company has been in business since 1897. Headquartered in Hagerstown, Maryland, the company provides personal, commercial, and farm insurance products to individuals and businesses. As a mutual carrier, Brethren Mutual Insurance Company is owned by its policyholders.

The company offers its services in Maryland, Pennsylvania, Virginia, Delaware, and the District of Columbia. Brethren Mutual Insurance has a strong reputation, but its services are limited to a few states. The company provides Commercial, Farm, and Personal insurance by partnering with independent insurance agents who offer their products.

Brethren Mutual Insurance Company has a long history of supporting the community that has been with the company since its inception. The company has raised over $350,000 for the American Cancer Society through monthly fundraisers and an annual golf tournament. The company's employee team also participates in Washington County's Relay for Life event each June, demonstrating their commitment to giving back to those affected by cancer.

The company has received positive testimonials from its policyholders, with many highlighting the company's friendly service, knowledge, and prompt evaluation and repair of vehicles. Brethren Mutual Insurance Company's ratings are based on customer reviews, with an algorithm analyzing inputs from independent customers. The company was also recognized as a Ward's 50 Top Performer in 2009, 2010, and 2011.

States where it's available

Brethren Mutual Insurance Company has been in the insurance business since 1897. The company is headquartered in Hagerstown, Maryland, and currently offers its services in five states and Washington, D.C.

The five states where you can get Brethren Mutual auto insurance are:

• Maryland: This is where the company is based, and it has a long history of serving local farmers and residents in the state.
• Pennsylvania: Brethren Mutual is available in this state, offering both personal and commercial insurance coverage.
• Virginia: The company provides insurance services in Virginia, one of the states where it has expanded its coverage.
• Delaware: Delaware residents can also benefit from the insurance products offered by Brethren Mutual.
• District of Columbia: In addition to the states mentioned, Brethren Mutual also serves customers in Washington, D.C.

Brethren Mutual has grown over the years, expanding its coverage beyond its original focus on farms and local residents. The company now offers a range of insurance products, including auto, home, commercial, and farm insurance. Their services are provided through a network of more than 250 independent insurance agencies.

While Brethren Mutual has a limited geographical reach compared to some larger insurance companies, it prides itself on its long-standing presence in the industry, stability, and commitment to its policyholders.

Optional auto insurance coverage

Brethren Mutual Insurance Company has been providing insurance to policyholders since 1897. The company offers commercial, farm, and personal insurance in Maryland, Pennsylvania, Virginia, Delaware, and the District of Columbia.

Brethren Mutual Insurance offers a range of optional coverages for your car insurance policy. These include:

• Towing and labour coverage.
• Coverage for audio, visual, and electronics equipment.
• Customising equipment coverage.
• Extended non-owned coverage.
• Increased limits on transportation expenses coverage.

In addition to these, Brethren Mutual Insurance also provides optional coverages for homeowners, including:

• Business in the home endorsement.
• Water back-up.
• Replacement cost.
• Special contents.
• Personal cyber protection.
• Scheduling of personal property items.
• Watercraft coverage.
• Equipment breakdown coverage.
• Lowering your deductible.
• Increasing liability coverage.
• Getting enhanced wage protection coverage.
• No-deductible windshield chip repairs.
• Emergency Roadside Service.
• Loss of Use coverage with no deductible for fire, lightning, or theft.
• Optional Accident Forgiveness.
• Excess Underinsured Motorist Protection.
• Replacement Cost Coverages.

Customer reviews

I was able to find one relevant result for 'Brethren Mutual Auto Insurance' on Reddit, with several reviews from customers. However, the company was more commonly referred to as Bear River Mutual (BRM) by customers.

Several customers expressed dissatisfaction with Bear River Mutual, citing issues with denied claims, low-ball payout offers, and unexpected rate increases. One customer claimed that the company is a "Mormon scam" that will drop customers if they drink alcohol at all, even if they do not drink and drive. Another customer recounted an incident where Bear River Mutual offered to total their car but provided a grossly undervalued assessment, and when the customer pushed back, the company dropped them the following year.

Other customers shared similar experiences of being dropped by Bear River Mutual after their first claim, despite having been with the company for over a decade. Some also mentioned issues with the company avoiding their calls and refusing to cover certain types of damage, such as smoke damage from a fire.

However, there were also a few positive reviews from customers who had been with the company for many years and had positive experiences with claims and customer service. One customer stated that they had been with Bear River Mutual for over 45 years and loved it, even after their son was involved in an at-fault accident. Another customer shared that the company was awesome to them when they had a major house fire in 2000 and provided more than fair compensation.

In summary, while there were some long-term, loyal customers who expressed satisfaction with Bear River Mutual, the majority of reviews on Reddit leaned towards negative experiences, particularly regarding claims handling, unexpected rate increases, and strict policies around alcohol consumption.

Brethren Mutual's ratings

Brethren Mutual Insurance Company has been in the insurance business since 1897. It is a regional insurance company that provides commercial, farm, and personal insurance in Maryland, Pennsylvania, Virginia, Delaware, and the District of Columbia. The company has a rating of 3.29 out of 5 stars on Clearsurance, based on customer reviews.

Brethren Mutual offers various optional coverages for homeowners and car insurance policies. Homeowners insurance includes business in the home endorsement, water back-up, replacement cost, special contents, personal cyber protection, scheduling of personal property items, watercraft coverage, and equipment breakdown coverage. Car insurance policyholders can opt for towing and labor coverage, coverage for audio/visual/electronics equipment, customizing equipment coverage, non-owned coverage extension, and increased limits on transportation expenses coverage.

Customer reviews on the Clearsurance website highlight Brethren Mutual's prompt and friendly service, with some long-term customers expressing their satisfaction with the company's handling of claims and their overall positive experience. One customer review mentions:

> "I have filed a couple of claims and have always received great and fast service from Brethren Mutual. I would recommend them to anyone."

Another review from a customer with 30 years of experience with Brethren Mutual states:

> "I cannot tell you how awesome of an experience we have had with Brethren Mutual. They have not failed us in the 30 years we have had them so far. They have promptly evaluated and fixed our vehicles when needed."

Brethren Mutual was recognized as a Ward's 50 Top Performer in 2009, 2010, and 2011. The company's commitment to providing reliable service and financial integrity is reflected in its awards and customer testimonials.

Frequently asked questions