Policyholder-owned · Wellsburg, West Virginia
Quality, affordable insurance — since 1910.
Municipal Mutual Insurance Company of West Virginia protects homes, farms, and small businesses across West Virginia, Eastern Ohio, and Western Pennsylvania — represented by more than 200 local independent agencies.
Welcome
More than a century of showing up for our neighbors
From our home office in the Northern Panhandle’s Brooke County, we’ve provided quality, affordable insurance to West Virginia residents since 1910 — and today serve customers throughout Eastern Ohio and Western Pennsylvania. Our key to continued success is simple: excellent customer and claims service, backed by a solid, knowledgeable agency base.
1910
Founded in Wellsburg by J.A. Gist — policyholder-owned from day one.
200+
Independent agencies representing us across WV, OH & PA.
A−
AM Best “Excellent” rating — a strong, stable financial structure.
What We Cover
Five lines of business, one promise
Competitive yet affordable rates, written the way a neighbor would want them written.
Homeowners
Coverage for owner-occupied homes, other structures, personal property, liability, and medical payments — with endorsements to fit your life.
Mobile Homeowners
Protection for owner-occupied mobile homes under MH-1, MH-2, and MH-4 forms — with no age limit on the unit.
Farmowners
Farm residences plus barns, sheds, livestock, farm personal property, and farm employee liability.
Dwelling Fire
Coverage for 1–4 family owner-occupied or rental dwellings, including loss of rental income and coal mine subsidence.
Commercial Fire
Building, contents, and liability coverage for small offices, businesses, apartment buildings, and churches.
Pay your premium online — in minutes
Secure online payments through our BriteCore policyholder portal. Prefer to talk to a person? Call your local agency office — both ways are secure.
The Mutual Difference
We serve policyholders, not shareholders
Customers who work with a mutual insurance company have a shared purpose: getting the best coverage and protection available. Mutual insurance delivers because mutuals serve policyholders, not shareholders — our decisions are always based on what’s best for you and your family.
- Owned by the people we insure
- Local agents offering customized solutions
- Claims handled by people who know your community
Local, Wherever You Are
More than 200 independent agencies across three states
Municipal Mutual is represented by local, independent agencies throughout West Virginia, Ohio, and Pennsylvania. Your agent lives where you live — and answers when you call.