California Mutual is a California domestic insurance company which began operations in 1920, when a group of local businessmen came together to form the Farmers Mutual Fire Insurance Company of San Benito County located in Hollister, California. They were incorporated to insure farm buildings and equipment for fire loss only. In the 1930's the company began insuring rural schools and residences in addition to the farm buildings.
In 1932 the first church they insured was the Methodist Church, located in Hollister. The 30's also included the largest policy written for Bolado Park coverage encompassed the pavilion and grandstands. This historic venue is the home of our local Saddle Horse Show which began in 1924 and the San Benito County Fair held for the first time in 1933.
Both events are still going strong. Farmers Mutual Fire Insurance began to explore commercial policies in 1945 by insuring the Hollister Womens' Club building from there, the types of commercial policies offered continued to grow.
In 1932 the first church they insured was the Methodist Church, located in Hollister. The 30's also included the largest policy written for Bolado Park coverage encompassed the pavilion and grandstands. This historic venue is the home of our local Saddle Horse Show which began in 1924 and the San Benito County Fair held for the first time in 1933.
Both events are still going strong. Farmers Mutual Fire Insurance began to explore commercial policies in 1945 by insuring the Hollister Womens' Club building from there, the types of commercial policies offered continued to grow.
Services
California Mutual is rated by A.M. Best, a full-service credit rating agency, dedicated to serving the insurance industry.
It began assigning ratings in 1906, making it the first choice of today's rating agencies.
Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.
View or download complete details on California Mutual's Financial Strength Rating by A.M. Best.
California Mutual reinsures its business with carriers whose Policyholder Surplus exceeds $10 billion and rated A-Excellent or better by A.M. Best Company.
It began assigning ratings in 1906, making it the first choice of today's rating agencies.
Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.
View or download complete details on California Mutual's Financial Strength Rating by A.M. Best.
California Mutual reinsures its business with carriers whose Policyholder Surplus exceeds $10 billion and rated A-Excellent or better by A.M. Best Company.
Even as we strive to offer more services to our customers such as through online tools, we still believe in the integrity of a handshake.
We will strive to do our best to respond to your needs and deliver the best, personalized service you will find anywhere.
As a company committed to you, our customer, we adhere to a strict code of ethics that shape our business practices and influence our every decision.
This code of ethics applies to all officers, employees and directors of California Mutual Insurance Company, and its direct and indirect subsidiaries.
We will strive to do our best to respond to your needs and deliver the best, personalized service you will find anywhere.
As a company committed to you, our customer, we adhere to a strict code of ethics that shape our business practices and influence our every decision.
This code of ethics applies to all officers, employees and directors of California Mutual Insurance Company, and its direct and indirect subsidiaries.
Providing property and liability insurance coverage for individuals who own a home, own a secondary residence or rentals.
Many people believe that it is acceptable to under insure the dwelling coverage on their homeowners policy because they have an endorsement for an additional 25% or 50% extended replacement cost.
Think Again.
In California, most homeowners insurance policies will have provisions in them with respect to the extended replacement cost coverage.
In order for this coverage to be in place, the insurance company can require that you are insuring your home at least to the rebuilt cost of the home at the time of the policy period.
Many people believe that it is acceptable to under insure the dwelling coverage on their homeowners policy because they have an endorsement for an additional 25% or 50% extended replacement cost.
Think Again.
In California, most homeowners insurance policies will have provisions in them with respect to the extended replacement cost coverage.
In order for this coverage to be in place, the insurance company can require that you are insuring your home at least to the rebuilt cost of the home at the time of the policy period.
If you call during normal business hours you will speak directly with a claims representative.
You may also contact "your local agent" to file a claim on your behalf.
A claims representative will contact you, by phone, after your report is submitted.
Once you submit a report, we will set up a file and conduct an investigation of your claim.
Accepting a report does not commit California Mutual Insurance Company to provide coverage for the claim or operate as a waiver of any rights or defenses that California Mutual Insurance Company may have under the terms of your policy.
You may also contact "your local agent" to file a claim on your behalf.
A claims representative will contact you, by phone, after your report is submitted.
Once you submit a report, we will set up a file and conduct an investigation of your claim.
Accepting a report does not commit California Mutual Insurance Company to provide coverage for the claim or operate as a waiver of any rights or defenses that California Mutual Insurance Company may have under the terms of your policy.
As part of our ongoing service to insure those people and things most important to you, California Mutual has provided the following resources and information to assist you.
In light of the recent earthquakes we want to remind our policyholders to check their Emergency Kits.
A recently released insurance survey suggests that over 30 million U.S. households own insurance policies that are seriously out-of-date.
As a result, the following questions should be asked.
If the answer to one or more of these questions is "yes", then you should contact us as soon as possible so that your insurance policies can be appropriately updated.
In light of the recent earthquakes we want to remind our policyholders to check their Emergency Kits.
A recently released insurance survey suggests that over 30 million U.S. households own insurance policies that are seriously out-of-date.
As a result, the following questions should be asked.
If the answer to one or more of these questions is "yes", then you should contact us as soon as possible so that your insurance policies can be appropriately updated.
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