Eastern Mutual Auto Insurance Review (2020)

Looking at Eastern Mutual insurance company? They offer home, liability, marine, farm, and landlord coverage, and have a financial rating of A- (Excellent) from A.M. Best.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 17, 2020

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Company Details
Address: P. O. Box 40
City: Greenville
State: New York
ZIP Code: 12083-0040
Phone Number: (800)-367-3242
Year Founded: 1855
AM Best Rating: A-
Company Rating 0 (0 reviews)

Things to Remember...

  • Eastern Mutual provides insurance products through independent insurance agencies
  • Eastern Mutual began as a fire insurance association and has since grown to provide a variety of insurance
  • Eastern Mutual offers both commercial and personal lines of insurance with the exception of auto insurance

The Eastwood Auto Insurance review is a review of the Eastern Mutual Insurance Company.

The Eastern Mutual Insurance Company sells its insurance products through a network of independent insurance agencies. The company is a member of the Union Mutual of Vermont Companies.

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Eastern Mutual Insurance Company History

The Eastern Mutual Insurance Company began as a fire insurance association in 1855 in Norton Hill, New York. The company began with just 348 policies that totaled around $100,000.

The company saw its first sign of continued growth in 1907 when it expanded its business from its original territories that included four towns into Greene and Albany counties. The company officially became an incorporated business just three years later, in 1910.

No span of time saw more changes for the successful Eastern Mutual Insurance Company than the 1940s through the 1960s.

During this period of time, the company began billing its policyholders in a completely different way. Under the new procedure, the policyholders were billed for expenses and losses that had accumulated in the previous year.

Also during this time, the company branched out into the reinsurance sector of the industry by working with the Guilderland Mutual Reinsurance Association.

In the early 1950s, the company expanded its line of insurance products to include more than just fire. In 1960, there was a significant merger with the New Baltimore Mutual Insurance Association that set the tone for the company for the rest of the decade, as significant changes were made to how the company operated.

By the 1970s, the company had changed its name to the Eastern Cooperative Insurance Company and expanded its product line to include personal and commercial liability insurance coverage.

By writing liability insurance, the company was able to write farm, home, and mobile home insurance.

In 1992, the company merged with the Schoharie and Schenectady Mutual Insurance Company. This merger caused the company’s name to be changed to the present Eastern Mutual Insurance Company.

Nearly 160 years after it was founded, the company now has more than 100 offices in New York State and has expanded its business significantly.

In 2000, the company became a member of the Union Mutual Group after it became associated with the Union Mutual Fire Insurance Company.

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Eastern Mutual Insurance Company Products

The Eastern Mutual Insurance Company offers many types of commercial and personal insurance. The business owner’s insurance protects a business owner’s interests, such as buildings and other property, liability exposures, and income.

The types of commercial insurance the company offers include:

  • Business owner coverage
  • Special multi-peril coverage
  • Commercial fire coverage
  • Inland marine coverage

There are many optional business owner coverage options available, including collectibles, self-storage buildings, and antiques.

For personal insurance, the company sells:

  • Homeowners coverage
  • Inland marine coverage
  • Farm insurance
  • Farm fire insurance
  • Landlord coverage
  • Mobile home coverage
  • Dwelling fire insurance

The company offers both personal and commercial inland marine insurance coverage. This type of insurance policy provides insurance for property that does not stay in a single location.

The farm insurance offered by the Eastern Mutual Insurance Company offers peace of mind to the farmers that do not have time to worry about things other than their farming business.

To add additional protection to their farm, a farmer may also look into a separate farm fire insurance policy.

A farm with an added risk of fire danger would benefit the most from this type of insurance policy.

Eastern Mutual Insurance Company Rating

Eastern Mutual has received a rating of “A-” from insurance industry rating company A.M. Best. This signifies an excellent financial strength and a stable financial outlook.

The company also received an “a-” for its issuer credit rating, which is also excellent.

The Eastern Mutual Insurance Company does not offer any type of commercial or personal auto insurance.

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  1. https://www.easternmutual.com/
  2. https://www.easternmutual.com/
  3. https://www.unionmutual.com/
  4. https://www.easternmutual.com/about-us/history/
  5. https://www.iii.org/publications/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance
  6. https://www.ambest.com

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