Western National

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Written by:

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson

Insurance Lawyer

Reviewed by:

Mary Martin

Published Legal Expert

Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations. Mary was employed for almost 30 years by the nationwide legal publi...

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Reviewed by Mary Martin

Published Legal Expert

UPDATED: Aug 20, 2020

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Company Details
Address: 5350 West 78th Street
City: Edina
State: MN
ZIP Code: 55439
Phone Number: 952-835-5350
AM Best Rating: A
URL where was collected the AM Best Rating: http://www3.ambest.com/
Lines of Insurance: auto, home
States Licensed To Sell Insurance In: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
Type of Insurance Company: Property and Casualty
Top executive Contact: Stuart C. Henderson
Title of Top executive: CEO/President
Assets & Premiums: 2013 Direct Written Premium: $410.9 million2013 Policyholder's Surplus" $314.2 million2013 Total Assets: $833+ million
Insurance subsidiaries:
  1. American Freedom Insurance Company
  2. Arizona Automobile Insurance Company
  3. Legacy Insurance Services
  4. Pioneer Specialty Insurance Company
  5. Umialik Insurance Company
  6. and other companies
4.25 (31 reviews)

Company Overview:


Company History: The Western National Insurance Group provides personal and commercial property and casualty insurance in the Midwest and Northwest through Western National Assurance and Western National Mutual Insurance and their subsidiaries. Insurance activities are concentrated in Iowa, Minnesota, North Dakota, South Dakota, Oregon, Washington and Wisconsin. The group offers auto, homeowner’s, liability and workers’ compensation. The group traces its origins to a company that was founded in 1900 to provide insurance for the dairy industry, and only in 1970 was the name changed from the Mutual Creamery Insurance Company to the Western National Mutual Insurance Company. This year, Western National Insurance Group was recognized as a member of the Ward’s Top 50 Benchmark Group for Property/Casualty Companies.
Principle Sales Methods: Over 500 independent insurance agencies

Auto Business: Western National Insurance Group offers auto insurance to individuals and families with a no surcharge promise. The company also offers commercial auto insurance.
Homeowners Business: Western National offers a variety of homeowners coverages for families and individuals including options for customers who own multiple properties.

Special Business: Western National offers a variety of business coverages including: businessowners policy, commercial package policy, employment practices liability, fire and allied lines, general liability, inland marine, surety bonds, umbrella and workers’ compensation. The company also provides a variety of coverages for families and individuals including: boat and motor, motorcycle/ATV, snowmobile, and umbrella.

Reviews
for Western National Mutual Insurance Company

4.25 (31 reviews)
5
February 25, 2020

robbotis

A+

Great policy and great people. Always friendly and make insurance easy. The Penalty Free Promise is an amazing feature!
5
December 9, 2019

kameolynn

Western National is a Good Company

I have been incredibly happy with Western National Insurance. Our rates are exactly as originally laid out and have not increased drastically over the years. I've had no trouble adding or removing coverage or vehicles at any point. Changes are made quickly and everything is done in a timely manner. My payments are taken out exactly as scheduled every month, and I love the option of automatic withdrawal. My insurance cards show up quickly after a ...
I have been incredibly happy with Western National Insurance. Our rates are exactly as originally laid out and have not increased drastically over the years. I've had no trouble adding or removing coverage or vehicles at any point. Changes are made quickly and everything is done in a timely manner. My payments are taken out exactly as scheduled every month, and I love the option of automatic withdrawal. My insurance cards show up quickly after a vehicle is added as well. They have the best rates of any insurance company I've looked into and I don't see us changing to another company any time in the near future. Very satisfied with their services.
Read More
1
February 11, 2019

beethovin1

crappy claims center.

I have a total lost on 12/24/2019. was on my way to see my children in another state. had to rental a car at an outrages price because of the holiday. my car was not paid for until 01/22/2019. I have 3 car rental since. one on the day of the accident. they provided me one until 01/14/2014. I was told to return the rental car because the check was going to arrive that day. they forgot the mail the check. no car, no check. I have to rent ...
I have a total lost on 12/24/2019. was on my way to see my children in another state. had to rental a car at an outrages price because of the holiday. my car was not paid for until 01/22/2019. I have 3 car rental since. one on the day of the accident. they provided me one until 01/14/2014. I was told to return the rental car because the check was going to arrive that day. they forgot the mail the check. no car, no check. I have to rent my own car again. they told me I will be reimbursed. I faxed the information to them, no response. turns out the adjuster went on leave for 2 week. finally got back with me and now don't want to pay me back the total amount I paid for my rental car. they say it too much. they apparently had a contract with Enterprise rental and can get a lower price. they will only pay me their contracted price. which is a bunch of [redacted word]. now, it 02/11/2019 and the problem have not been resolved. I am stressed out and tired of dealing with the insurance company. I am suing them. now they will have to reimburse me with attorneys fee, court fees and pains and suffering. 3 to 4 times as much as just paying me back for the car rentals. if they were working for me, they're fired.
Read More
5
November 3, 2018

sw25

Great

My agent has been absolutely amazing working to get me the best deals and keep me informed about how the policy works and the details.
5
September 18, 2018

Smoky

Won't Raise Your Rates If You Have An Accident

I was hit by an inattentive driver & my car was totaled. Western National Mutual Insurance company didn't raise my rates.
3
July 18, 2018

TracyS

Western National

The company is fine. I am able to pay by mail or over the phone. The people I have had contact with have been personable.
4
July 18, 2018

rleer4

Low Cost

I switched to this company because they offer the lowest cost for the same level of coverage as other companies. They offer all the benefits of coverage while staying affordable.
5
April 20, 2018

robbotis

Amazing

Great service and a great product. I'm not sure other carriers can come close to offering the Penalty Free Promise which won't ever require a charge for an accident I have.
5
March 7, 2018

nabthisis

What a deal!

These guys are great. I have complete coverage at a cost so far less than other companies. I almost can't believe it. I have recommended this company to many friends and they have the same experience.
4
February 18, 2018

dreamer333

very helpful team

they have been very good with allowing us to do monthly payments instead of doing 3 month payments, makes it alot easier on us
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