Rural Mutual Insurance company claims
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Rural Mutual Insurance Company is known as a single state insurance company from Wisconsin. The agency provides various insurance options such as car insurance, home insurance, life insurance, renters insurance, health insurance and more. 

We’ll cover rural mutual insurance in full detail here. Hopefully, using the details in this article you can be able to compare it with other insurance companies and therefore make your choice on which is best for your business and lifestyle.


The rural mutual insurance company was formed in 1934 in Madison by the Wisconsin Farm Bureau Federation (WFBF). The company was formed mainly to provide low cost auto insurance to farm bureau members. 

At rural mutual insurance company, there’s broader farm insurance including wind, fire and hail crop damage protection plans.

They also offer additional protections for farm families and businesses in the communities they serve in. 

In 1957, Rural Mutual Insurance Company adopted its current name after the merging between rural mutual fire insurance company of Wisconsin and rural mutual casualty insurance company.

Rural Mutual Insurance became a reliable option for Wisconsin farmers and rural residents. 

To purchase this insurance, you will have to be a farm bureau member because it’s affiliated with Wisconsin farm bureau. The farm bureau membership is available to everyone not just farmers.

To get this membership, you will have to pay between $50 and $60 yearly depending on your own country. When you become a member, you can get discounts on so many packages the insurance company offers.

Apart from auto insurance, they offer types of insurance like life, renters, farm, home and health insurance products.

To get insurance from this provider, you don’t really need to be a rural resident, customers in areas like the suburban and metropolitan areas make use of this insurance.


Rural Mutual Insurance Company provides various insurance to its clients such as:

Agricultural and Farm Insurance

For so many people, the farm is their way of life and a business to them. At Rural Mutual Insurance Company, there is broad range of coverage options to prevent putting farmers’ way of life and businesses at risk.

They offer coverage such as the hail coverage for crops, dairy revenue protection, workers’ compensation for farmers, commercial agribusiness insurance, hemp insurance, crop and livestock insurance. 

Some additional coverage they offer include Wisconsin agribusiness endorsement, business auto insurance, agricultural pollution liability, equipment breakdown, farm and personal property coverages, and more.

Business Insurance

As business owners, farmers also work very hard and take risks to be successful in their line of work. At Rural Mutual Insurance Company, every clients is valuable especially the small business owners.

They have a network of more than 100 locations across the state indicting that their agents are your neighbours. With the agency, you can be confident that your business future security is in great hands.

Personal Car Insurance

Auto insurance can be gotten easily nowadays from almost everywhere, it’s as if everyone wants to sell you auto insurance.

When you get your auto insurance from Winston, you will know that you’re getting your coverage form a company that adheres to Wisconsin traditions.

They help you stay informed with insurance state law and the right coverage levels for you. 

Some of the coverage they offer includes

  • bodily injury liability coverage,
  • property damage liability coverage,
  • comprehensive coverage,
  • uninsured and underinsured motorist protection,
  • medical expense coverage,
  • rental reimbursement coverage,
  • emergency roadside service and
  • personal identity protection services.

Home Insurance

There’s an adage that says “home is where the heart is”, this implies that your home is where you and your family make remarkable memories. Protecting your home should be one of your priorities. 

With rural mutual insurance company, your home’s safety can be guaranteed. You can work with their agents to develop a personalized homeowners’ insurance package that offers you coverages to meet your needs.

Some available home insurance coverage include

  • property insurance/ hazard insurance coverage,
  • personal property coverage,
  • liability coverage,
  • umbrella coverage,
  • medical coverage,
  • recreational vehicle coverage,
  • watercraft coverage,
  • equipment breakdown,
  • identity fraud expense,
  • builder’s risk and, back up of sewer and sump pump overflow.

Renters Insurance

Rural Mutual Renters’ Insurance policy protects your assets, identity and more at a price that you can easily afford in order to give you satisfaction.

If you are renting an apartment, house, dorm room or condo then you should have this insurance to protect you and your belongings.

The coverage you get from this insurance includes personal belongings coverage, lawsuits filed against you, living expenses after loss and identity fraud expense.

Life Insurance

The real deal here is having the right kind of life insurance that provides the best policy that’s suitable for you.

Rural Mutual Insurance Company and its reliable agent have the experience and products to help you secure your future and that of your loved ones.

The types of life insurance policies offered at rural mutual insurance company are the term life, whole life and universal life.

Health Insurance

They partner with broker source to offer health insurance options for small group business, individual/family, short-term medical, Medicare, vision and dental.

Also, they have access to major health carriers and thereby provide you with the competitive health plans you can find in the market.


An insurance policy is a contract between the insurer and the policyholder. It determines the claims which the insurer is legally required to pay. You can get your policy after selecting the right coverage for yourself.

Rural Mutual Insurance Company offers many insurance policies and getting a policy depends on selecting the kind insurance you want.

Each Rural Mutual Insurance is associated with different types of coverages, some of which are customized to suit the needs of the policyholder. 

Therefore, you can pick out the insurance you’re interested in, utilize the service of an insurance agent to know the right policy and coverage for you then go ahead to sign the insurance deal to start your insurance.

Some of the coverages you can get from Rural Mutual Insurance have been stated above under the various types of insurance they offer. You can check it above.


The price of car insurance is affected by many factors so don’t expect it to be the same for every insurance company you come across.

In some instances, your friend might find a cheap plan and yours might not be the same, and vice versa. Things that can affect your premium include:

  • Your type of car
  • How often you drive it
  • Your age
  • Your driving record
  • Credit rating
  • Your zip code

The good news about being a policyholder in Wisconsin is the fact that you get to pay some of the cheapest rates on average. 


Rural Mutual Insurance Company might not be your cheapest option in Wisconsin but they do offer few discounts for drivers. These include:

  1. The Multi-Vehicle: You can get this discount when you insure more than one car.
  2. The Multi-Policy: This helps you save when you have lots of insurance policies.
  3. The Good Student: Only students with good grades are qualified for this discount. 
  4. The Claims-Free: You can save money by being a safe driver with this discount.
  5. The Pay-Plan: You can get this discount when you choose to pay in full at the start of each of your insurance term.
  6. Acquisition: If you’re a new customer, Rural Mutual Insurance can be able to match your current auto premium.

As amazing as these discounts are, they come with a caveat: you have to qualify for the discounts to be able to make use of it.


Rural Mutual Insurance Company is among the few insurance companies that have legit, easy to access and reliable website. This is one of the benefits of being insured with the rural mutual insurance company. 

On the website, you can create an account, pay your bills online and even request for a free quote. In addition to this, you can report a claim online, know more on their insurance, coverages, and get an agent that can assist you nearby.

If you wish to contact them for further assistance, you can call their number or email them via their email address displayed on the rural mutual insurance company website.


Rural mutual insurance has acquired a B- rating from the Better Business Bureau (BBB).

From other sources, we noticed that they also have mixed reviews. A great number of customers mentioned how it helps them in saving money and how good their customer service is but some customers say the opposite.

Here are some examples of the rural mutual insurance complaints/reviews:

Positive Rural Mutual Insurance reviews:

“Been with rural mutual sinc16 and never had an issue. They offer me the right insurance products and saved me over $1200. It’s great doing business with a Wisconsin only company! I would highly recommend”

“I have been a rural insurance customer r more than 30 years. When, curt, my original agent retired I hoped the customer service would continue to be great. It has. Personal, helpful customer service continues at the Poynette office”

Negative Rural Mutual Insurance reviews:

“Tried to get simple insurance for an LLC and was given headaches and the run around”

“Well respected in Wisconsin. Just didn’t carry the opportunities I was seeking. No reflection of their quality of service.”


You can request for quote online by going to the rural mutual insurance company website. On the menu, click on the “request quote” fill out your information below for a free insurance quote and submit when done. 

Note that you won’t get a quote instantly online but you can start the quote process on the company’s website. After that, you will have to wait for an agent’s response to know the prices. 

If you need the insurance immediately, it will be faster for you to find a local agent and contact them instead of using the online form on the website. 


The rural mutual insurance company claims can be made online too. To make a claim, go to the rural mutual insurance company claims on the website.

To find this, locate the menu and click on “report a claim”. You can choose the type of claim you want to report on, contact your agent or call the Rural Mutual Insurance Company’s customer representative. 


Rural mutual insurance can be a considerable option if you live in one of the rural areas in Wisconsin, or if you want to utilize the advantages of other farm bureau benefits.

Unlike other insurance companies, the Rural Mutual Insurance Company has limited coverage options especially for car insurance. 

If you are interested in their policies, we recommended requesting a quote from them and comparing it with that of other providers.


Where is the headquarters of Rural Mutual Insurance Company?

The headquarters is located at 310 W Wisconsin St Sparta, WI, 54656-2327 United States.

How can I contact an agent from Rural Mutual Insurance Company?

You can contact an agent from rural mutual insurance company through their contact number: (608) 269-3173 

What is the official website of Rural Mutual Insurance?

Rural Mutual Insurance Company’s official website is

Who is the key principal of Rural Mutual Insurance Company?

The key principal of Rural Mutual Insurance is Daryl Pulfus

Who can get the farm bureau membership?

The farm bureau membership is for everyone and not just the farmers alone. To get it, you have to pay between $50 and $60 yearly depending on your country. When you become a member, you get so many discounts from the insurance packages.



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