Cameron Mutual Insurance Company Review

Is Cameron Mutual Insurance Company a good insurance company?
Written by Rene Todd Fields
Written by Rene Todd Fields

Environmental and natural resource advocate and business owner, Rene Todd Fields, has more than 10 years of experience working within both private and public sectors and enjoys helping individuals understand their options and make solid coverage decisions.

Updated

Cameron Mutual Insurance Company at a Glance

  • Founded in 1892
  • Offers coverage for individuals and businesses
  • “A+” (excellent) rating by Better Business Bureau (BBB)
  • “B” (fair) rating by AM Best
  • Offers multiple types of insurance
  • Only writes in Missouri, Arkansas, and Iowa
  • Large network of independent insurance agents
  • Stable financial stability

Cameron Mutual Insurance Company pros: Long-standing company with more than a 120 years worth of experience in the insurance industry. Provides a full range of personal, business, and farm insurance products. Offers great rates on personal, business, and farm insurance products. The insurance company allow policyholders to have a voice, local, in-person support, and multiple discounts.

Cameron Mutual Insurance Company cons: The insurance company only offers insurance in Arkansas, Iowa, and Missouri. There are a few negative comments by policyholders across multiple review websites. No online account management or bill pay. Not BBB accredited.

What Type of Insurance Does Cameron Mutual Insurance Company Offer?

Cameron Mutual Insurance Company is a generalized insurance company that accommodates individuals, farmers, and businesses, and offers the following types of coverage.

  • Personal insurance
    • Personal auto
    • Homeowners
    • Renters
    • Basic dwelling
    • Boat owners
    • Personal umbrella
    • Personal inland marine
  • Business and commercial insurance
    • Business owners policy
    • Business owners policy — mini storage program
    • Commercial package policy
    • Commercial property policy
    • Commercial general liability
    • Commercial auto policy
    • Commercial inland marine
    • Commercial umbrella policy
  • Farm insurance
    • Farm owners policy
    • Farm property
    • Farm liability
    • Farm auto
    • Farm inland marine
    • Farm umbrella policy

For both businesses and individuals, Cameron Mutual Insurance Company offers a range of coverage options. Whether you are in the market for personal insurance, business insurance, farm insurance, or a combination, Cameron Mutual Insurance Company might be the right option for you.

Using our insurance company directory can help you find the best insurance companies that specialize in your specific coverage needs. The company directory can also help you get connected to an agent near you.

What to Know about Cameron Mutual Insurance Company

Cameron Mutual Insurance Company was founded in 1892, making it a deep-rooted insurance company with more than a 120 years worth of experience in the insurance industry. Today, Cameron Mutual Insurance Company still helps clients protect their homes, cars, farms, and businesses by providing Personal Service from People Who Care™.

Cameron Mutual Insurance Company’s established history has helped it to earn a reputation as a stable company. Additionally, AM Best reports that the insurance company belongs to the $25 million to $50 million financial size category.

Cameron Mutual Insurance Company‘s established status the insurance company’s reputation as a financially stable insurance provider with a stable outlook for the future. AM Best is the leading global credit rating agency that monitors the insurance industry, and they give Cameron Mutual Insurance Company an “B” rating, indicating the insurance company is a fair choice for insurance customers. The “B” rating assures potential customers that Cameron Mutual Insurance Company can offer secured coverage from a reliable and dependable insurance company.

AM Best is one of the oldest rating companies in the world and was established in 1899. Reviews from AM Best indicates an insurance company’s financial strength and credit worthiness and are based on thorough evaluations of the company’s business profile, operating performance, and annual report. For clients not familiar with insurance companies’ reputations, AM Best’s ratings system allows clients to make a well-informed decision about what insurance company they can trust to meet their needs.

What Discounts Does Cameron Mutual Insurance Company Offer?

Cameron Mutual Insurance Company offers a handful of competitive discounts for their customers and include the following.

  • Loyalty discount: Offered to customers who purchase insurance and is based upon the number of years of continuous coverage. They may be eligible for a discount up to 15%.
  • Multi-car discount: Offered to customers who insure more than one car with Cameron Mutual Insurance Company. Customers can save money on each vehicle insured.
  • Companion policy discount: Offered to customers who purchase homeowners and personal auto with Cameron Mutual Insurance Company. They will receive a 15% discount on their homeowners premium and a 15% discount on their auto premium.
  • Umbrella policy discount: Available to customers who have a personal umbrella or farm umbrella policy with Cameron Mutual Insurance Company and are eligible to receive a 5% discount on their auto premium.
  • Passive restraint discount: Available to car owners with certain safety features installed on their vehicle. They can save money on their medical payments premium.
  • Good student discount: Offered to full-time students who meet Cameron Mutual Insurance Company’s qualifying criteria. This valuable discount can save customers money on their auto premiums.

An independent insurance agent can help you find better discounts options available through Cameron Mutual Insurance Company, helping you get the most for your money.

Cameron Mutual Insurance Company Customer Service

Cameron Mutual Insurance Company allows customers to handle claims over the phone during business hours, or through their website via a self-service form, 24/7.

Customer service availability

  • Cameron Mutual Insurance Company states that they can also be reached via mail or email.
  • Cameron Mutual Insurance Company’s contact center for customer service has the following hour restrictions.


Hours (Central)


Monday-Friday 7am - 5pm


Saturday Closed


Sunday Closed

Cameron Mutual Insurance Company sells insurance through a network of brokers, including independent insurance agents. Independent insurance agents are available to handle claims and other matters for you, making customer service simple.

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Cameron Mutual Insurance Company FAQ

What is Cameron Mutual Insurance Company's average claim response time frame?

Cameron Mutual Insurance Company’s claims reporting hotline is available for customers in need via a toll-free phone number. Customers can also submit claims online through the website, or via mail, email, or fax. The insurance company does not make an official claims response time frame promise on their website.

What is Cameron Mutual Insurance Company's customer service availability?

Cameron Mutual Insurance Company offers a toll-free phone line for prospective and current customers to get in touch with them at restricted hours, Monday through Friday, 7am-5pm. However, the insurance company’s online form claims reporting can be reached 24/7.

What is Cameron Mutual Insurance Company's claims process?

Cameron Mutual Insurance Company customers can report claims via phone, online form, or independent insurance agent. Additional information about required documentation is needed for each specific type of insurance listed on the insurance company’s website. Their official website does not provide its claims process.

Does Cameron Mutual Insurance Company have good personal, business, or farm insurance?

Cameron Mutual Insurance Company offers many insurance products for personal, business, or farm use. According to several social media sites, reviews are mixed across the board on the quality of the insurance company’s products.

Is Cameron Mutual Insurance Company a good company?

According to several social media sites, reviews are mixed on customer service and products.

Does Cameron Mutual Insurance Company's website create a user-friendly experience for customers?

Customers can file claims and learn what types of coverage are available through their official website. However, the insurance company’s website is not very friendly to browse. As far as social media is concerned, the insurance company does have a presence on both Facebook, LinkedIn, and Twitter to make itself more open to existing and potential customers.

Cameron Mutual Insurance Company Customer Reviews

bbb.org
“I would not even give them 1 star but it is the only way a review will post. We have been denied 3 times. Each time we are denied for faulty seal plates which allowed ground water under our supposed to be forever home as we are both retired and elderly. Construction crews have said our seal plates are fine. We just canceled our Home and Auto policies with them. We had an auto claim over a year ago and we ended up having to get the police report for Cameron so they would pay on it. I thought they were supposed to do all the work. Isn't that why we pay them? STAY AWAY FROM Cameron Mutual.” —Deborah M.


google.com
“According to 22 google reviews.”


clearsurance.com
5 Stars
“This company has been the least expensive insurance for us for years now and when we turned a claim in on hail damage on our roof they gave us an estimate right away and paid right away.” —lindastutts


clearsurance.com
“I had homeowners insurance and it's better price than all of the other companies but the coverage is awful. My roof was leaking and damaging parts of the house and they wouldn't cover any of the damage. we were devastated because my wife was pregnant and we didn't have nay extra money. After our policy runs out we are going to switch providers.” —tory201911


clearsurance.com
5 Stars
“We recently decided to shop around for better and cheaper insurance because the last company we were with raised our automobile insurance by almost $200.00 and our homeowners by almost as much. We have never filed a claim. The application process was a breeze. The agent even gave us his cell number so we can call him even on the weekend if needed.” —Jimbo


TrustedChoice.com's Final Review

We award Cameron Mutual Insurance Company a final rating of 3.2 out of 5 stars. The insurance company’s long-standing status clearly demonstrates Cameron Mutual Insurance Company’s reputability and strength. Cameron Mutual Insurance Company offers reputable coverage to customers across four states. However, a disturbing number of customer complaints about the insurance company’s claim responses and the less-than-stellar website demonstrates that Cameron Mutual Insurance Company still has plenty of room to grow. The limited state coverage also prevents them from being one of our top picks. It is obvious that millions of customers currently trust Cameron Mutual Insurance Company to take care of their insurance coverage needs, and that is undoubtedly worth taking a closer look.

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