Goodville Mutual Insurance Review & Complaints: Property & Casualty Insurance (2024)

Premiums
Claims
Feedback
Financial Strength

Goodville Mutual is a multi-state property and casualty insurance company with a religious-based background. They write auto insurance, home insurance, farm, and more out of their Pennsylvania headquarters.

The best way to save on your rates is to shop around. Enter your ZIP code in our free tool to get multiple insurance quotes from more than one insurance provider to compare today.

What is Goodville Mutual Casualty Company?

Founded in its namesake town of Goodville, PA, Goodville Mutual was created in 1926 by a group of Mennonites with the intention of running a business based on biblical values. The original product offered was personal auto insurance, but expansion into the home and farm markets came with the acquisition of Earl Mutual in 1988.

A 1996 merger with three other Mennonite mutual insurance companies expanded the company’s reach, followed by several other acquisitions in the following years. In 2016 the company constructed a new headquarters in New Holland, PA, where they operate today.

Today the company covers seven states aside from Pennsylvania: Kansas, Oklahoma, Illinois, Indiana, Ohio, Virginia, and Delaware. Products are sold through independent agents.

What products are offered by Goodville?

Goodville’s property and casualty insurance products include auto, home, farm, church, business, and umbrella policies.

Auto Insurance

Goodville’s auto program includes all of the basics as well as plenty of extras. The Personal Auto Plus endorsement adds the following to a basic full coverage plan:

• Accident forgiveness
• Increased transportation expenses
• Towing and Labor
• Parked car collision deductible
• Trip Interruption

Several of these, as well as a few other choices, can also be added to the policy a la carte. Goodville also throws in a few added benefits at no cost with all policies. Those are the Collision Deductible Waiver for accidents involved two Goodville drivers, and the Companion Policy Deductible Waiver, which applies to losses that involved two Goodville policies, such as auto and home.

Home Insurance

Like their auto program, Goodville’s home insurance policy comes with a lot of extra benefits on top of the basics that we do not often see as standard.

These include:

• Fire extinguisher recharge
• Credit card coverage
• Fire department charge coverage
• Increased limits for inflation and personal property

They also offer a Home Cover Extra package for an additional premium. This package adds:

• Power outage
• Lock and garage door transmitter replacement
• Sewer, drain, and sump pump
• Deductible waiver
• Increased coverage for personal property
• Increased special limits

Homes that qualify for the Home Cover Plus plan can get all of the above and more at no extra charge; the site does not specify what those qualifications are.

Renter’s insurance and country home products are also available.

Business

Goodville writes package business policies for a variety of markets that can be customized. In addition to base liability and property coverage, a variety of options can be selected to meet the specific needs of any given industry.

Commercial Auto is also available as an add-on to a commercial package or as a separate policy.

Goodville also offers specific products for home-based businesses as well as for tradesmen.

Farm

Farm policies combine home coverage with specialized protection for farm equipment, livestock, crops, and several other farm-specific needs.

Like their homeowner’s policies, Goodville’s farm product is a base package with a number of available add-on options. This allows the policy to be adapted to various types of farming operations.

Church

Goodville’s church product is a comprehensive package policy that covers liability as well as property and church-specific items including cemetery liability.

Like all of Goodville’s plans, there is a long list of options and added benefits for the church program.

Umbrella

Goodville offers umbrella policies to increase liability above and beyond the limits of underlying policies. These are available for personal, business, and farm policies. Coverage starts at $1 million.

Are its rates competitive?

Goodville does not offer online quoting, this is not uncommon for an agent-driven company. Visitors to the site are directed to use the agent search in order to find local assistance.

Smaller companies such as this one rarely compete dollar for dollar with the larger insurers, and instead rely on customer service, and in this case values-based appeal, to make up for higher premiums.

Goodville Mutual Insurance Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Goodville Mutual Insurance offers multiple ways for policyholders to file claims, ensuring convenience and flexibility. Policyholders can initiate the claims process through an online claim reporting form available on their website. While the website primarily displays a policy lookup, it serves as the first step in reporting a claim online.

Additionally, claims can be reported via a toll-free phone number or a local number, particularly for those in the vicinity of the company’s headquarters. However, it’s important to note that the website does not specify whether the claims hotline is available 24/7.

Average Claim Processing Time

Goodville Mutual Insurance does not provide specific information on their website regarding the average claim processing time. Policyholders may need to contact the company directly or consult their policy documents for more details on the claims processing timeline.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on Goodville Mutual Insurance’s claim resolutions and payouts is generally positive. Online reviews indicate that many customers are satisfied with the service provided by the company, highlighting excellent customer service.

However, some negative reviews mention issues related to slow response times on claims and various billing and cancellation concerns. It’s essential for policyholders to consider both positive and negative feedback when evaluating the company’s claim resolution process.

Digital and Technological Features of Goodville Mutual Insurance

Mobile App Features and Functionality

Goodville Mutual Insurance offers a mobile app that provides policyholders with convenient access to their insurance information and account management.

While specific features and functionality may vary, typical mobile app capabilities include viewing policy details, making payments, reporting claims, and accessing digital insurance ID cards. The app likely enhances the overall customer experience by offering on-the-go access to essential insurance services.

Online Account Management Capabilities

Policyholders with Goodville Mutual Insurance can enjoy robust online account management capabilities through their website. This includes the ability to access and review policy details, make payments, request policy changes, and potentially view claims status.

The online portal simplifies policy management and allows customers to take control of their insurance needs from the comfort of their own homes.

Digital Tools and Resources

Goodville Mutual Insurance provides various digital tools and resources to assist policyholders. These may include online resources such as FAQs, educational articles, and insurance calculators to help customers make informed decisions about their coverage.

Additionally, digital tools may facilitate the claims process, making it easier for policyholders to navigate and resolve insurance-related matters online.

Are ratings and consumer reviews positive?

Goodville Mutual has an A- rating with the Better Business Bureau (BBB). Although there is only one complaint on file against the company in the past three years, it appears they failed to respond to that complaint, resulting in the lowered letter grade.

Of the 58 Google reviews, a lot are very positive. The overall score is a 4.0, and happy customers state that the service provided by Goodville is excellent. There are also some negative reviews, and these refer to slow response time on claims and various billing and cancellation issues.

There are only two reviews on Yelp. One is positive, and the other is negative, essentially canceling each other out in terms of the overall impression.

On Birdeye we found 50 reviews of Goodville with an overall 5-star rating. The vast majority of the star ratings here are 5-star, with a handful of 4-star and nothing lower.

Goodville has a truly impressive number of glowing reviews from their customers, resulting in a very positive impression of their customer service.

What is the bottom line?

Goodville is likely to appeal to those who prefer a smaller, values-based company and do not mind paying a little more for the personal service of an agent. Their good reputation makes them a safe bet for providing the balance of rates and customer service. Budget shoppers might not find what they want here, but those who value company reputation as much as premium cost will want to look at Goodville.