Opening a Claim Help Guide

As a preferred insurance company, we understand that filing a claim is not only stressful but can seem difficult to do. These unforeseen events cause more than just damage but also leave you feeling hopeless. We want to let you know that help is available.

When discovering a potential claim at your home, we would like to remind you of some tips that’ll make the process easier:

  1. Call your insurance company right away, do not wait for the risk or damage to become bigger
  2. If you find water has started to cause damage or has flooded any space in your house, shut the water off immediately
  3. If you don’t remember your policy number, it’s okay! We have other methods of finding your policy with us
  4. Do not call a third party to clean-up, patch or inspect conditions without contacting your insurance first
  5. Keep records such as receipts, photos and videos of your items within your home
  6. Always hire licensed contractors to perform work on your home, this is for your protection

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Will My Policy Cancel When I Sell My Home?

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We understand the excitement of moving and the stress of having to pack that comes when selling your home; so we try to make it as easy as possible to cancel your policy when the time comes.

Things to remember is that only you-the named insured- can cancel your policy.

Once an escrow closing date has been set for your property, call customer service to request a cancellation form. We will email/mail the form to you which requires your signature and date of cancellation (escrow closing date). Send it back and we will do the rest. The cancellation will be processed and you’ll get notification that it was completed. Any unused premium will be sent to you within 14 days.

Don’t forget, ask about getting your new home insured by us! We would love to keep your business.

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Energy Saving Tips

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Knowing how to save energy doesn’t just mean turning off all the lights and having the thermostat set to an ideal temperature; but learning how some small changes could also save you big money this winter season.

Here are some helpful tips on staying warm without burning a hole in your pocket:

  1. Use weather stripping, quilted curtains and draft stoppers on your doors to insulate your home to help keep the heat in.
  2. Set thermostat as low as comfortably possible, try using layered clothes and blankets as oppose to raising the thermostat temperature
  3. Unplug all appliances and electronics that are easy to plug in and use when needed such as phone chargers, coffee makers, hair tools and gaming systems.
  4. Replace the heater’s filter as often as recommended by the manufacturer
  5. Have air vents professionally cleaned to ensure that the maximum air flow is entering the home

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Am I Getting the Lowest Premium Possible?

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Here are some tips on how to check that you’re getting the lowest premium possible:

  1. Do you have a 24 hour monitored alarm system that calls into a central office for burglary or fire, we give a credit for that.
  2. Are you enrolled for our paperless billing through our online website, if you aren’t… you might want to, because we offer a credit for that too.
  3. Keeping up maintenance on your home, good job! Keep that up, we offer a credit for policies that have been claims free for 5 years.
  4. And of course, increasing your deductible is the easiest way to lower your premium, call and get a quote on your policy today.

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Western Mutual Named to Ward’s Top 50 for Eighth Straight Year

We are pleased to share that Ward Group has named us to their Ward’s 50 list of top performing property and casualty insurance carriers! The Ward Group has analyzed the financial performance of over 3,000 property-casualty insurance companies for the past twenty-nine years, identifying the top performers each year based on objective data and subjective quality measures. Western Mutual has passed all safety and consistency screens and achieved superior performance over the past eight years!

The entire Western Mutual family is honored to be consecutively named as a top performing homeowners insurance carrier and thank our customers for the opportunity to offer affordable quality coverages.

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One Click Quote

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Are you on the market for a homeowners insurance carrier? Just one click could save you money on home insurance for you and your family! Customers in California have reported an average savings of $595 while those in Arizona have saved $640! Check it out and see what we can save you! Visit our website or call us at 877-968-8825 to learn more about our coverages and what you can add on to your policy!

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Spring Savings Home Maintenance

Take advantage of the longer daylight hours this springtime and tackle some much-needed home upkeep!  Our homes are often our biggest investment, so routine maintenance should be performed to keep it happy and healthy. Open up your windows, “Marie Kondo” (clean out) your closets and show your house a little love, both inside and out! A plan could be to start outside and work your way inward. Rake away leaves and clear debris to see if your home is in good condition or has any cracks around its foundation. Be proactive and catch problem spots before they present issues in the future. Also, be sure to check pipes, heater/AC lines, dryer vents and windows as these can all allot for unnecessary wasted utilities which can present a cost savings for you, the homeowner! Happy Spring cleaning to you!

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Tax Day

Tax Day is here! We hope you are avoiding a mad dash to the post office to send in your returns! Starting the next tax year, are you looking to save money? Now is the time to take a closer look at our homeowners insurance policies. Visit our website at WesternMutual.com to learn more about our trusted coverages. Prefer talking to real person? Please call us at 877-WMUTUAL and one of our dedicated sales agents can assist you with any questions you may have!

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What Coverages Are the Best for You?

Are you looking for affordable quality homeowners insurance? Look no further than the Western Mutual Insurance Group—which is made up of Western Mutual, Residence Mutual and Arizona Home Insurance Companies. Customers in California have reported an average savings of $595 and $640 for those in Arizona! Our average premium is lower than $1,000 for homeowners in Texas! Agents are standing by to assist you in finding your perfect coverage(s)! Visit our website or call us at 877-968-8825 to learn more about obtaining a policy with us or to find out what you can add if you have existing coverage within the Western Mutual family! Don’t delay and call us today!

*Note that savings is determined on each individual policy.

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Rain Safety Tips

With all of the rain that we’ve been getting this year, we thought it was important to share some rain safety tips with you. Check out the list below to prepare your home for heavy rainfall, if you haven’t already:

  • Check your roof for missing tiles or coverage issues and fix it accordingly
  • Clean your rain gutters/eaves as if they are not cleared, rain water will begin to pool, causing damage
  • Make sure your downspouts are pointing away from your foundation as even minor water intrusions can cause mold and foundation issues
  • Store outdoor furniture, barbeques, and valuables in waterproof sheds or coverings
  • Close windows and doors to prevent from water intrusion
  • Finally, make sure you have adequate insurance coverage(s)

Visit our website or call us at 877-968-8825 to learn more about our coverages and what you can add on to your policy! Just one click could save you money on home insurance for you and your family!

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