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Mutual of Enumclaw home insurance review: Cheap coverage with complimentary wildfire protection for homeowners out West

Mutual of Enumclaw offers low prices, high customer service ratings, and complimentary wildfire coverage with every policy — ideal for homeowners out West.

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By

Jessica OlivoFreelance contributorJessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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Mutual of Enumclaw

Mutual of Enumclaw logo

policycentral rating

Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
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5.0

AM Best rating

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A-

Cost

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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The bottom line

Mutual of Enumclaw home insurance best serves homeowners in rural communities looking for affordable prices without sacrificing customer service, financial stability, or extensive coverage. Serving seven states out West, Mutual of Enumclaw offers the ability to combine home and auto coverage on one bill, as well as add on farm and ranch insurance. 

The most impressive part of a Mutual of Enumclaw policy is that wildfire coverage is included at no extra cost — a rare find that adds great value to homes in fire-prone areas. While the insurer doesn’t have an online quote option, policyholders can manage their policy and file claims with the click of a button via its mobile app. 

In this review

1.

Pros

2.

Cons

3.

Basic coverages offered

4.

Additional coverages offered

5.

Rating methodology

6.

Mutual of Enumclaw vs. other home insurance companies

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In this review

Pros

  • Wildfire insurance and private firefighter services included in all policies at no extra cost

  • Prices are $1,200 below the national average

  • Offers an app for paying bills, reporting claims, and viewing your policy

Cons

  • Only available in Washington, Oregon, Idaho, Utah, Arizona, Montana, and Wyoming

  • No online quote option

Basic coverages offered

Mutual of Enumclaw home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:

  • Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.

  • Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.

  • Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.

  • Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.

  • Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.

  • Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.

Additional coverages offered

You can add these additional coverages to your Mutual of Enumclaw homeowners insurance policy for even more protection:

  • Extended replacement cost for your home: Extends your dwelling coverage limit 25% or 50% in case rebuild costs exceed your policy limit after a covered loss.

  • Replacement cost for personal property: Pays to replace your personal belongings with new items, regardless of depreciation or wear and tear.

  • Scheduled personal property: Offers higher coverage limits for specific scheduled items like silverware, jewelry, fine art, collectibles, and other priceless possessions.

  • Blanket personal property: Increases coverage limits for everything in a category of items, like jewelry, firearms, or computers.

  • Ordinance or law: Pays the extra cost of getting your home up to code after a covered loss.

  • Water backup: Coverage if water backs up through your sewer or drains, or if your sump pump stops working.

  • Service line: Pays to repair or replace underground pipes or wires on your property that are damaged due to a leak, break, tear, rupture, or collapse. 

  • Equipment breakdown: Pays to repair or replace AC units, water heaters, and other home systems that are damaged due to mechanical breakdown.

  • Wildfire defense service: Complimentary wildfire protection and mitigation services available to homeowners at high risk of wildfire damage.

  • Business property: Offers coverage if your work laptop or other business property is damaged in a covered loss.

  • Loss assessment: If you live in a condo or gated community with an HOA, this covers you for the portion of damage to common areas you’re responsible for.

  • Animal liability: Covers medical and legal bills if your dog, cat, or other pet injures someone or damages their property and you’re found legally responsible.

  • Identity theft: Offers everything from assistance with your credit reports to attorney fees resulting from identity fraud to help replacing personal identification documents destroyed in a natural disaster.

  • Personal injury liability: Expands liability coverage to include personal injury to others, such as slander, libel, wrongful eviction, or false arrest.

  • Cyber protection: Coverage against cyber attacks, online bullying, fraud, extortion, and data breaches.

  • Increased landscaping: Increases coverage limits to replace plants, shrubs, and trees after a covered loss.

  • Freezer contents: Covers spoiled food if your refrigerator or freezer stops working due to a power outage or breakdown.

  • Increased debris removal: Increases coverage limits to remove debris after a disaster.

  • Golf cart rental: Provides damage and liability protection for rented golf carts.

  • Lock and key replacement: Pays to replace your locks and keys.

  • Vacation home insurance: Protects your vacation home and personal belongings against fire, theft, hail, windstorms, and other covered perils. 

  • Mobile home insurance: Insures your manufactured or mobile home with the standard coverages listed in the above section.

  • Renters insurance: Purchased by tenants, renters insurance covers the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.

  • Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.

  • Landlord insurance: Includes coverage for the structure of your rental property, liability situations, loss of rental income, and landlord furnishings and appliances.

  • Farm and ranch insurance: Offers a slew of property and liability coverage options for corporate farms, hobby farms, and everything in between.

Ratings methodology

Price

4.6/5

Our price rating scale looks at home insurance rates for a policy with $300,000 in dwelling coverage, as well as the total number of discounts offered. Mutual of Enumclaw's average annual rate of $639 is over $1,200 below the national average. 

Customer experience

5.0/5

Our customer experience scale uses data from the National Association of Insurance Commissioners (NAIC) complaint index. Mutual of Enumclaw has a score of 0, which means it received 100% fewer complaints than expected for a company of its size in 2021. (The expected number would be 1.0.)

Coverage options

5.0/5

Our coverage options rating is based on both the number and quality of additional coverage and policy options offered by the company. Mutual of Enumclaw earns a perfect score thanks to its slew of valuable coverage add-ons, including extended replacement cost coverage for your home, wildfire defense services, water backup and equipment breakdown protection, and more.

Financial strength

4.0/5

Our financial strength rating is a weighted combination of three industry-leading metrics to measure a company’s financial health: AM Best, Standard & Poor’s, and Moody’s. Mutual of Enumclaw has an A- rating from AM Best, but is not rated by Standard & Poor’s or Moody’s.

How much does Mutual of Enumclaw home insurance cost?

The average cost of home insurance with Mutual of Enumclaw is $639 per year for a policy with $300,000 in dwelling coverage. This is over $1,200 cheaper than the national average. 

Here’s the average yearly cost of Mutual of Enumclaw home insurance for five different levels of dwelling coverage:

Dwelling coverage limit

Average annual cost

$100,000

$290

$200,000

$467

$300,000

$639

$400,000

$808

$500,000

$968

Rates are based on our analysis of 2022 sample home insurance quotes from across the country provided by Quadrant Information Services. Actual rates will vary based on location, policy limits, coverages, claims history, and other factors.

Compare home insurance quotes with top insurers in minutes

What discounts does Mutual of Enumclaw offer?

Most insurers offer ways to help you save on the cost of home insurance. Contact a Mutual of Enumclaw agent to find out if you qualify for eligible home insurance discounts.

Mutual of Enumclaw home insurance state availability

Mutual of Enumclaw offers home insurance policies in seven states out West: Washington, Oregon, Idaho, Utah, Arizona, Montana, and Wyoming.

What to expect with Mutual of Enumclaw home insurance

  • How to get a quote: You can get a Mutual of Enumclaw home insurance quote by contacting a local agent through the Find an Agent tool on its website.

  • Customer service options: You can get in touch with a Mutual of Enumclaw customer service rep by calling 800-366-5551 or by submitting an online form on its website.

  • How to file a claim: You can file a Mutual of Enumclaw home insurance claim by logging in to your online account, through its mobile app, or by calling 877-425-2580.

  • How to cancel your policy: You can cancel your Mutual of Enumclaw home insurance policy by calling your Mutual of Enumclaw agent (their contact info should be on your policy declarations page), by mail, or by visiting your local agent in person.

Mutual of Enumclaw in the news

  • In August 2022, the Washington State Supreme Court determined that Mutual of Enumclaw was not responsible for damages of lost business during the pandemic. (The Courier-Herald)

  • In September 2018, Mutual of Enumclaw partnered with technology company Roost to offer free Roost Smart Water Leak and Freeze Detectors to policyholders to reduce home insurance claims. (Globe News Wire)

Mutual of Enumclaw vs. other home insurance companies

Compare Mutual of Enumclaw home insurance to other insurers in the industry:

Company

policycentral rating

AM Best rating

Cost

Mutual of Enumclaw

5.0/5

A-

$

MAPFRE Insurance

4.8/5

A

$$

Frequently asked questions

What type of insurance does Mutual of Enumclaw offer?

Mutual of Enumclaw offers home and auto insurance, as well as coverage for boats, farms, and ranches.

What states does Mutual of Enumclaw cover?

Mutual of Enumclaw operates in seven states: Washington, Oregon, Idaho, Utah, Arizona, Montana, and Wyoming.

What is the phone number for the Mutual of Enumclaw claims department?

The Mutual of Enumclaw claims department phone number is 877-425-2580.

How long has Mutual of Enumclaw been in business?

Mutual of Enumclaw was founded in 1898 as The Farmers’ Mutual Insurance Company. The name was changed to the Mutual of Enumclaw Insurance Company in 1966.

Author

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

Editor

Senior Managing Editor & Home Insurance Expert

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Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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