What You Should Know
- North Star Mutual is only available in 8 states
- North Star is not owned by shareholders
- You can’t get a free quote from the North Star Website
Trying to find an insurance company that can provide you with all-around good coverage for all your prized possessions like your home, boat, or even your snowmobile can be difficult. Thankfully, with today’s technology, you can find insurance companies that cover it all, like North Star Mutual, within minutes.
The North Star Mutual Insurance Company might just be the right fit for you if you have multiple interests that you would like to protect. While the areas where this company provides coverage may be limited, North Star Mutual Insurance Company reviews confirm that the coverage options provided by this company are anything but.
Keep reading to learn more about this company, where to find North Star agents, and how to save money with North Star Mutual.
North Star Mutual may not sell policies where you live, but you can enter your ZIP code and start comparing free quotes from insurance companies near you.
The North Star Mutual Insurance Company was founded in 1920 and is based in Cottonwood, Minnesota, and has been providing insurance products for homeowners, drivers, business owners, and even farmers for well over 50 years.
One of the most interesting features of the North Star Insurance Company and a major difference from other firms is that it is a mutual company.
This means that if you own a policy with North Star, you actually own a piece of the company. North Star is designed to put the people who purchase policies from the company first and is not public like Allstate or Hippo.
North Star is also a very financially strong company and earned an A+ rating from A.M. Best. Plus, the North Star Mutual Insurance Company is the largest writer of farm insurance in the state of Minnesota.
Although North Star is still based in a small-town setting, its customer convenience features are by no means antiquated. When you have an account with this company, you can use the North Star Mutual Insurance Company bill pay feature on its website to make sure you are up-to-date on payments for all your policies.
Now, if you would like to get a quote from this company, North Star requires you to speak with a North Star Mutual representative. However, the “Find An Agent” tool on the company website makes this incredibly simple. With this feature, you’ll be able to find an agent near you who can help you get the coverage you need.
If you want a one-stop shop for your insurance needs, North Star Mutual may be a great fit for you. North Star Mutual is a well-versed insurance company that can provide you with farm insurance to golf cart coverage.
You can even purchase an HO-6 insurance policy which is more commonly known as a condo policy.
Other insurance products offered by North Star Mutual include:
- ATV insurance
- Farm and ranch insurance
- Business insurance
- Commercial auto insurance
- Landlord insurance
- Renters insurance
- RV insurance
- Mobile home insurance
Bear in mind, North Star doesn’t provide life insurance, and you will have to live in Minnesota, North Dakota, South Dakota, Nebraska, Oklahoma, Iowa, Kansas, or Wisconsin in order to purchase a policy from this company. If you’re not sure if you fall within a covered area, you can always call the North Star Mutual Insurance Company phone number to find out.
Hopefully, you will never find yourself in a situation that requires you to file a claim, but if you do, you’ll need to know how to get the process started with your insurance company. If you choose to work with North Star Mutual, you won’t be able to file a claim online. You will have to contact your insurance representative.
Now, if you have experienced an unfortunate incident after your insurance agent’s office has closed for the day and need to get the claims process initiated right away, you can always call the after-hours North Star Mutual Insurance claims phone number.
North Star Mutual not only offers a lot of insurance policies but also quite a lot of discounts to match. For example, if you were to purchase a car insurance policy through North Star, you could shave money off your rates with an anti-theft equipment discount, a passive restraint discount, a defensive driver discount, or a multi-policy discount.
Now, if you have several commercial vehicles protected by North Star, you could earn a fleet discount as well.
Homeowners can benefit from North Star Mutual’s discounts as well. If you protect your home with a North Star home insurance policy, you could be eligible for discounts like these:
- New home
- Protective device
- Valued customer
- Mature homeowner
- Protected subdivision
As you can see, North Star Mutual not only takes your protection seriously but your savings seriously as well. You must remember though that since North Star operates in different states, the coverage and discount options may vary in each of these locations. Make sure that you review every quote you get thoroughly so you can be sure that you are getting the best deal possible.
North Star Mutual is a company owned by the people who purchase policies from it. This means that you, the consumer, are in charge and don’t need to worry about your insurance coverage being buffeted by the whims of distant shareholders.
If you have a lot of interests to protect, like the family farm, your personal car, and the boat you love to go fishing on, North Star could be the insurance company you’ve been looking for, although if you like taking care of most of your insurance needs online, this may not be the company for you.
After reading this in-depth North Star Mutual review, you should feel confident to start your insurance shopping journey. You can enter your ZIP code to start comparing free insurance quotes right away.