Hastings Mutual Property Insurance Review & Ratings (2022)

This review will cover ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. Hastings Mutual offers business, home, car, and farm insurance coverage. They boast an A rating with A.M. Best and an A+ with the BBB. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Feb 14, 2022

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hastings mutual

The Rundown

  • Hastings Mutual provides insurance coverage for individuals, businesses, and farmers
  • Hastings Mutual is offered in six states – Michigan, Wisconsin, Iowa, Illinois, Indiana, and Ohio
  • Hastings Mutual offers several competitive discounts for their customers

Hastings Mutual is a well established insurance provider with more than 130 years of experience in the insurance industry. The company provides coverage for individuals, businesses, and farmers. This includes home and auto insurance, farm owners insurance, commercial umbrella insurance, and more.

With more than 600 agencies across Michigan, Wisconsin, Iowa, Illinois, Indiana, and Ohio, their long-standing history to provide products backed by their financial strength and trusted reputation has given them a cutting advantage over most other companies within the insurance industry.

Specializing in not just homeowners insurance or auto insurance, Hastings Mutual has plenty of options to choose from when it comes to finding the right policy to fit your needs. 

To learn more about who owns The Hastings Mutual insurance company, their policies and what is covered under each, keep reading. Ready to start saving on insurance today? Enter your ZIP code above for a quick and free comparison. 

The Hastings Mutual Insurance Company Overview

A.M. Best: A

Better Business Bureau: A+

Coverage available: 6 states (Michigan, Wisconsin, Iowa, Illinois, Indiana, and Ohio)

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Does Hastings Mutual offer property insurance?

There are a few different types of property insurance policies that Hastings Mutual offers, both commercial and personal property insurance.

For personal property insurance, Hastings Mutual offers dwelling coverage which protects your house and any other buildings on your property from loss, including all perils.

With dwelling coverage, you have two additional add-ons available:

  • Recreational motor vehicle. Coverage for physical damage and liability can be added to your homeowners policy for ATVs, snowmobiles, and other small vehicles.
  • Watercraft. Coverage for physical damage and liability can be added to your homeowners policy for boats or personal watercraft 26 feet or smaller.

Are there any discounts for homeowners insurance?

Hastings Mutual has a few different discounts for homeowners insurance. These include:

  • Central Station Fire/Burglar Alarm
  • Experienced Homeowners (Age 50 and over)
  • Increased Deductible
  • Multi-policy Credit for Auto and Umbrella
  • New Home

Additional members in the household can be insured by adding them to your policy as an endorsement. This does not have any added costs.

Another way to reduce costs to your policy is through Hastings Mutual’s waiver of deductible credit program. You can reduce your deductible each year you do not file a claim with Hastings Mutual.  After each claim free year, they will apply a $75 deductible credit to your policy. The maximum total credit available is $750.

Enhancements can also be added to your standard homeowners policy under their Coverage Plus policy enhancement. This enhances your homeowners policy to guarantee additional protection for your home and personal belongings.

Coverage Plus includes additional benefits such as:

  • Replacement cost on personal property
  • Increased sewer and drain backup
  • Personal injury protection
  • Increased identity recovery expense
  • Increased debris removal
  • Increased coverage limits on the theft of money, securities, jewelry and furs, firearms, and silverware/goldware
  • Lock and entry replacement for stolen keys
  • Increased credit card, fund transfer card, forgery, and counterfeit money coverage
  • Loss assessment increase
  • Mortgage extra expense coverage
  • Incidental business liability coverage available
  • Landslide

Additional limits are provided with the purchase of the Coverage Plus endorsement.

What about commercial property insurance?

With commercial property insurance, or Deluxe Property insurance, Hastings Mutual will add coverage to merchandise, signage, and tools that are used to upkeep rental units.

This coverage includes:

TypeInfo
Brands and Labels

Any merchandise with a brand or label that needs to be relabeled because it’s been damaged will be paid out to the cost or original value of the damaged property (up to $25,000)
Employee Dishonesty
Protection from dishonest employees (up to $25,000)
Property Leased, Rented, or Borrowed
Damage to machinery, equipment, and vehicles not operated on public roads (like a bulldozer) that are used in your business is covered, up to $50,000
Property Off Premises and in TransitCoverage applies to your equipment and materials even when you’re not on your own property (for example, when it’s being transported or displayed off site). The limit is $100,000
Rental Reimbursement
If your equipment is inoperable because of something that your policy covers, you'll be paid back for up to $25,000 of cost to rent equipment. No deductible applies to this coverage
Signs Attached to Buildings
If your business has a sign outdoors that’s permanently attached to your building, you'll be paid up to $25,000 to repair or replace it if it suffers certain kinds of harm
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Unfortunately, there are no discounts available for Deluxe Property insurance.

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What other products does Hastings Mutual Insurance provide?

Hastings Mutual offers business, home, car, and farm insurance coverage. The company sells its insurance exclusively through its network of independent agents with the intent to keep overhead costs low.

Here is a complete breakdown of each policy that is offered:

  • Agribusiness insurance
  • Boat insurance
  • Business insurance
  • Classic car insurance
  • Commercial auto insurance
  • Commercial property
  • Commercial vehicle insurance
  • Condo insurance
  • Construction – Commercial
  • Construction – New Residential
  • Crop Hail insurance
  • Cyber-Liability
  • Dwelling Fire insurance
  • Dwellings Under Construction insurance
  • Earthquake insurance
  • Equipment Breakdown
  • Farm & Ranch insurance
  • Farm Auto insurance
  • Farm insurance
  • Home-based business insurance
  • Identity Theft insurance
  • Inland Marine Coverage
  • Personal Valuables insurance
  • Professional Liability
  • Renters insurance
  • Umbrella insurance
  • Water backup
  • Watercraft insurance
  • Windstorm or Hurricane Coverage

Hastings Mutual offers several competitive discounts for their customers on their home and auto insurance. Other discounts include: new home discount, fire alarm discount, anti-lock brakes discount, claims free discount, and anti-theft devices discount.

Hastings Mutual Insurance Reviews

With Hastings Mutuals’ strong reputation, they have maintained a low profile when it comes to customer complaints. There are only a few reviews on forums and home insurance review sites that complain about claims handling, including denied claims. But these claims take up only 15% of the overall reviews.

If you want in-person customer service and support for your insurance needs, Hastings Mutual is a great option for you. You won’t be able to obtain a quote unless through an in-person visit to one of their offices, so that does lead to a bit of an inconvenience factor among some customers.

However, you can file a claim and pay your bills directly on their website. And Hastings Mutual insurance claims that it is financially strong with almost $980 million in total assets and $436 million in direct written premiums.

Hastings Mutual Property Insurance Review & Ratings: Key Takeaways

Hastings Mutual has over 130 years worth of experience in the insurance industry, and is highly rated with both the BBB and A.M. Best. Even with the small amount of complaints against the company, their overall satisfactory ratings speak for themselves.

With the wide variety of coverage options, Hastings Mutual is a great option for both business and personal use.

Now that you’ve learned about Hastings Mutual, take the time to enter your ZIP code and start comparing quotes in your area today.

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