Hastings Mutual Insurance Company Review [2024]

Hastings Mutual Insurance Company is a property and casualty insurance company offering home and auto insurance to customers in six midwestern states. 

Centrally located in Hastings, Michigan, the company has been in business for over 130 years.

What is the Hastings Mutual Insurance Company?

Hastings Mutual Insurance Company was founded in 1885. Known initially as Michigan Mutual Tornado Cyclone and Windstorm Insurance Company, Hastings set up shop to protect the local community from natural disasters. By the 1920s, the company had grown into the second-largest mutual windstorm insurance company globally.

In 1953, a tornado devastated Michigan and Ohio, causing nearly 200 deaths. While not the worst insurance disaster in history, it was enough to spur Hastings to help. The company sponsored an early warning system for tornadoes that used radio and television to warn the community of impending danger.

More than 130 years since its establishment, Hastings Mutual Insurance Company has grown into an award-winning regional property and casualty company writing insurance for six states in the Midwest.

Hastings Mutual has over 600 independent agencies serving individuals and businesses in Michigan, Ohio, Wisconsin, Illinois, Indiana, and Iowa. Hastings Mutual also features several specialty insurance products, giving customers plenty of options to find the right policy.

If you’re wondering who owns Hastings Mutual Insurance Company, the answer is in the company name. As a mutual insurance provider, the policyholders own Hastings. Let’s look at what types of insurance Hastings Mutual provides.

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Hastings Mutual Insurance Company products

Hastings Mutual offers various insurance products. While auto, home, and business insurance are the featured programs, you also have your choice of several specialty insurance types.

Hastings Mutual Personal Property Insurance

Hastings Mutual offers property insurance for commercial and personal customers. 

The basic personal property insurance coverage for homeowners protects your house and other buildings on your property. 

This dwelling coverage also features optional add-ons for recreational vehicles like snowmobiles, boats, personal watercraft, or all-terrain vehicles. This recreational motor vehicle coverage provides liability coverage for physical damage.

With the purchase of Hastings Mutual’s Coverage Plus policy enhancement, you can guarantee additional protection for your property. Coverage Plus provides increased protection from theft of luxury items, identity theft recovery, lost or stolen key replacement, and credit card fraud coverage. Coverage Plus also includes debris removal, sewer and drain backups, and water damage recovery.

Hastings Mutual offers several discounts for your home insurance policy. Policyholders can take advantage of discounts for added safety features like fire and burglar alarms. Additionally, homeowners over the age of 50, those buying a new home, or those bundling multiple policies with Hastings Mutual can qualify for insurance savings.

Hastings Mutual also gives you a way to reduce your insurance rates over time. Each year that you do not file a claim on your homeowners insurance you receive a $75 credit. This program can reduce your insurance deductible by up to $750.

In addition to individual and family homeowners insurance, Hastings Mutual features commercial property insurance.

Hastings Mutual Commercial Property Insurance 

If you own a business, you need to protect your investment against damage and risk. Hastings Mutual has a Deluxe Property Coverage Extension to keep your business running smoothly.

Deluxe Property Coverage Extension with Hastings Mutual covers branding labels, signage attached to buildings, rented or leased property and equipment, and equipment rental reimbursement. This coverage also has $25,000 protection from dishonest or criminal employees.

Hastings Mutual Business Insurance

Hastings Mutual offers insurance to protect you from the risks of business ownership. Whether you have a staff of one or hundreds, Hastings can keep your investment secure. Business insurance with Hastings Mutual includes basic liability, medical payment reimbursement, building coverage, and personal property coverage.

With Hastings Mutual business insurance, you can also protect your cash deposits, whether on or off the premises and recover from employee damage or theft.

Hastings Mutual Farm Insurance

Living and working on a farm presents a unique set of challenges. Hastings Mutual designed its farm owners insurance to protect your property, equipment, and livelihood from risk. The company has its roots in the local community, so protecting farmers is a top priority.

Farm insurance with Hastings Mutual can cover up to 85% of your farm’s equipment inventory value. It also covers farm vehicles for broken glass or windshields, general breakdowns, and theft — even newly leased or borrowed equipment.

Farmers in the Hastings Mutual family can also get coverage for newly constructed or damaged barns, sheds, and structures on your property. Hastings will protect you from loss of income due to building, equipment, or property damage. Hastings Mutual also offers protection for unexpected fire, lightning, or leakage that damages your crops or a neighbor’s property.

Hastings Mutual Auto Insurance

With Hastings Mutual Insurance Company, you can insure several vehicle types. Auto insurance from Hastings Mutual will protect your car, truck, van, motor home, or trailer.

Hastings Mutual auto policies include liability, collision, and comprehensive coverage. You can purchase bodily injury, property damage, and personal injury protection. Hastings Mutual also allows you to add roadside assistance to your auto insurance policy.

If you become a Hastings Mutual policyholder, you may have to file a claim. To do so, you will need to know how to contact Hastings Mutual, so we’ve included that research here.

Hastings Mutual Insurance Claims

There are several ways to file a claim with Hastings Mutual Insurance Company. The first is to visit the company website and click the “Contact” button. From there, you will see an option to file a claim.

Once on the claims page, you will need to fill out an incident report. Have your policy information ready, and be prepared to include as much detail as possible about the accident. You can also file a claim by contacting your Hastings Mutual independent agent by phone or email.

If you have any issues, Hastings provides a dedicated claims phone number on the claims page and a link to detailed instructions covering each type of claim you may have to file.

Hastings Mutual Insurance Reviews

After more than a century in business, Hastings Mutual has developed a strong reputation among industry reviewers. A.M. Best rates the financial strength of Hastings Mutual as excellent, which is an A rating. J.D. Power also considers Hastings Mutual to be an above-average company.

Hastings Mutual Insurance Company also has an A+ rating from the Better Business Bureau, a mark of its success in providing excellent customer service. Affordable rates and available discounts have improved its quality reputation among consumers. There are not many reviews online for this regional company, but its complaints are minimal.

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A Final Word on Hastings Mutual Insurance

While it doesn’t offer online quotes or serve the entire country, Hastings Mutual provides quality customer service and plenty of coverage options. If you live in the covered area, consider Hastings Mutual for your insurance needs.

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