Old American County Mutual Fire Insurance Company: Customer Ratings & Reviews [2025]

Old American County Mutual Fire Insurance Company, with its robust "A" (Excellent) rating from A.M. Best, provides homeowners a reliable choice for comprehensive coverage and trusted protection.

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Maria Hanson

Insurance and Finance Writer

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability. Maria has expanded her scope of expertise to home, health, and life i...

Written by
Maria Hanson
Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Reviewed by
Brad Larson

Updated April 2024

Old American County Mutual Fire Insurance Company is a reputable insurance provider with a strong history and mission focused on protecting homes and belongings. They offer comprehensive coverage options for homeowners, including a variety of insurance products and services at competitive rates.

Their A.M. Best rating of “A” (Excellent) speaks to their financial strength and stability. While their availability may be limited in some states, their customer service and support are highly regarded.

However, potential customers should be aware of certain limitations, such as coverage for specialized risks or high-value properties, and varying discounts based on location and eligibility requirements. Overall, Old American County Mutual Fire Insurance Company provides reliable coverage options for homeowners seeking to safeguard their homes and belongings.

What You Should Know About Old American County Mutual

Company Contact Information:

Financial Ratings:

  • A.M. Best Rating: A (Excellent)

Customer Service Ratings:

  • Customer reviews are positive feedback for the company’s customer service and support.

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Old American County Mutual Insurance Coverage Options

Old American County Mutual Fire Insurance Company offers a range of coverage options to protect homeowners and their properties. These coverage options may include:

  • Dwelling coverage: Provides protection for the physical structure of the home against covered perils, such as fire, theft, and vandalism.
  • Personal property coverage: Covers the belongings inside the home, such as furniture, electronics, and clothing, against covered perils.
  • Liability coverage: Offers protection against legal liability for bodily injury or property damage caused to others on your property.
  • Additional living expenses coverage: Helps cover the costs of temporary living arrangements if your home becomes uninhabitable due to a covered peril.
  • Medical payments coverage: Pays for medical expenses if someone is injured on your property, regardless of fault.
  • Personal liability umbrella coverage: Provides additional liability coverage above the limits of your primary home insurance policy.
  • Optional endorsements: Old American County Mutual Fire Insurance Company may offer additional endorsements or riders that can be added to the policy to customize coverage based on individual needs, such as scheduled personal property coverage, water backup coverage, or identity theft coverage.

Note: Coverage options and availability may vary by state and policy, and it is recommended to review the policy details and consult with the company directly for specific information on coverage options and limitations.

Old American County Mutual Insurance Rates Breakdown

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Driver ProfileOld American County Mutual Fire Insurance CompanyNational Average
Clean Record$115$119
1+ Ticket$133$147
1+ Accident$151$173
DUI$188$209
Poor Credit$198$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Old American County Mutual Discounts Available

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DiscountOld American County Mutual Fire Insurance Company
Anti Theft15%
Good Student10%
Low Mileage18%
Paperless8%
Safe Driver10%
Senior Driver8%

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Old American County Mutual Fire Insurance Company offers various discounts to eligible customers, helping them save on their insurance premiums. These discounts may include:

  • Multi-policy discount: Customers who bundle multiple policies, such as home and auto insurance, with Old American County Mutual Fire Insurance Company may qualify for a discount on their premiums.
  • Protective device discount: Homeowners who have installed safety devices in their homes, such as smoke detectors, burglar alarms, or fire sprinklers, may be eligible for a discount.
  • Claims-free discount: Customers who have not filed any claims with the company for a certain period of time may qualify for a claims-free discount on their premiums.
  • Age of home discount: Homeowners with newer homes or homes built with certain construction materials may be eligible for a discount.
  • Loyalty discount: Customers who have been with Old American County Mutual Fire Insurance Company for a certain number of years may qualify for a loyalty discount.

Note: The availability and eligibility requirements of discounts may vary by state and policy, and it is recommended to contact the company directly for the most accurate and up-to-date information.

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How Old American County Mutual Ranks Among Providers

The main competitors are likely to be other insurance companies that offer similar coverage options for homeowners and properties. These may include:

  • State Farm: State Farm is a well-known insurance company that offers home insurance coverage for homeowners, including dwelling coverage, personal property coverage, liability coverage, and additional living expenses coverage.
  • Allstate: Allstate is another popular insurance company that provides home insurance coverage, including dwelling coverage, personal property coverage, liability coverage, and optional endorsements.
  • Farmers Insurance: Farmers Insurance is a national insurance company that offers home insurance coverage with various coverage options, including dwelling coverage, personal property coverage, liability coverage, and additional living expenses coverage.
  • Liberty Mutual: Liberty Mutual is a major insurance company that offers home insurance coverage, including dwelling coverage, personal property coverage, liability coverage, and optional endorsements.
  • Nationwide: Nationwide is a well-known insurance company that provides home insurance coverage, including dwelling coverage, personal property coverage, liability coverage, and optional endorsements.

Read more: Nationwide Mutual Fire Insurance Company: Customer Ratings & Reviews

Please note that the list of competitors mentioned above is based on general assumptions and may not represent the actual competitors of Old American County Mutual Fire Insurance Company. It is recommended to research and consult with the company directly for accurate and up-to-date information on its specific competitors in the insurance market.

Frequently Asked Questions

What states does Old American County Mutual Fire Insurance Company offer its services in?

The article does not mention specific states where Old American County Mutual Fire Insurance Company offers its services.

What types of discounts are available from Old American County Mutual Fire Insurance Company?

Old American County Mutual Fire Insurance Company offers various discounts, such as multi-policy discounts, safety features discounts, claims-free discounts, and loyalty discounts.

How can I qualify for discounts from Old American County Mutual Fire Insurance Company?

Qualification for discounts from Old American County Mutual Fire Insurance Company may vary depending on the specific discount. For example, multi-policy discounts may require bundling home and auto insurance with the company, while safety features discounts may be applicable if your home has certain security measures installed.

How can I find customer ratings and reviews for Old American County Mutual Fire Insurance Company?

To find customer ratings and reviews for Old American County Mutual Fire Insurance Company, you can explore various online platforms and websites. Start by visiting the company’s official website, as they may provide testimonials or customer feedback.

Why are customer ratings and reviews important when choosing an insurance company?

Customer ratings and reviews are important when selecting an insurance company as they provide valuable insights into the experiences of policyholders. They can help you evaluate the company’s reputation, customer service, claims handling, coverage options, pricing, and overall customer satisfaction.

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