Mutual of Enumclaw Review: Auto, Home, Mobile home, Landlords, Boat, Condo, Renters Insurance

Mutual of Enumclaw is a regional insurance company headquartered in Enumclaw, WA., selling auto, home, & other types of property & casualty insurance in the states of Arizona, Idaho, Oregon, Utah & Washington through independent insurance agencies located in communities throughout these states. Mutual of Enumclaw has been included in the annual JD Power US auto insurance customer satisfaction study for the Northwest region in 2013 & 2014, but many people living in the states where its available — particularly in Utah and Arizona, where it has more recently become available — may be unaware of Mutual of Enumclaw as an option for their car or home insurance.

This review analyzes the JD Power customer satisfaction ratings, AM Best financial strength ratings, and the most recent three-year home & auto insurance customer complaint records for the Mutual of Enumclaw companies, and compares them with major competitors like Allstate, State Farm, GEICO, Nationwide, Safeco, American Family, & Farmers. If you don’t want to read the entire review, you can skip to my review summary at the end (Section #6), to find out if my analysis concludes the auto & home insurance customer service & claims handling by Mutual of Enumclaw is below average, average, or above average. Reading this review will help you decide if Mutual of Enumclaw is a good choice to insure your car, home, or provide for your other insurance needs. Continue reading

Citizens Property Insurance Corporation Depopulation: Take Out Companies Review

Citizens Property Insurance Corporation is a not-for-profit, tax-exempt government entity, created by the Florida legislature with the purpose to provide insurance protection to Florida property owners who are entitled to but are unable to find property insurance coverage in the private market. Citizens Property Insurance Corporation is the largest insurer of residential properties in the Sunshine State, and many home owners are insured with Citizens not because no private insurance company will insure them, but because Citizens was much less expensive than the private insurers willing to cover their property. If your agent insured your home with Citizens Property Insurance Corporation, it was either because a private insurance company would not cover your property or coverage was offered but at a premium over 15% higher than Citizens.

If your Florida property is insured with Citizens Property Insurance Corporation, you are probably aware of Citizens Depopulation Program, which is designed to transition Citizen’s policyholders to private insurance companies.

In 2015, these companies are assuming Citizens property insurance policies: American Colonial Insurance Company, Anchor Property & Casualty Insurance Company, Avatar Property & Casualty Insurance Company, Cypress Property & Casualty Insurance Company, First Community Insurance Company, Heritage Property & Casualty Insurance Company, Homeowners Choice Property & Casualty Insurance Company, Mount Beacon Insurance Company, Prepared Insurance Company, Security First Insurance Company, Southern Oak Insurance Company, and United Property & Casualty Insurance Company.

Should you stay with Citizens or allow your homeowners insurance to be transferred to the take-out company willing to assume your coverage? If you are facing this decision, or if you have allowed your Citizens policy to be assumed by a take-out company in the past, this review will help you evaluate the take-out company compared to Citizens, other take-out companies, and the insurance companies in the Florida home insurance market. This review will look at the choices you may have to find the best home insurance company for you at the best price, and avoid the worst insurance companies. This review will consider the options for insurance policyholders of personal lines accounts only, such as personally owned single family houses, condo unit owners, and mobile homes, and not commercial residential or non-residential properties owned by business entities or homeowners associations. Continue reading