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Goodville Mutual
Home Insurance

Smart Score

78

Industry Average: 75

Smart Score

78
/100

Industry Average: 75

Customer Service

7.7
/10

Industry Average: 7.7

Claims Process

8.8
/10

Industry Average: 8

Value for Price

7.3
/10

Industry Average: 7

Goodville Mutual Overview

Since its founding in 1926, Goodville Mutual has enjoyed growth and stability and has expanded to include automobile policies and coverage for homes, small businesses, farms and churches in eight states. Goodville Mutual takes pride in being one of the smallest companies in the Ward Group Top 50 (the annual list of the top 50 performing insurance companies out of 3000) since 2010. The insurer works with local independent agencies to build and maintain lasting relationships with policyholders.

Lines of Business:

Goodville Mutual Ratings Breakdown

Smart Score

91

Goodville Mutua: 91
Industry Average: 75
Goodville Mutua: 91
Industry Average: 75

Why our Smart Score matters

Goodville Mutual’s Smart Score of 91 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Goodville Mutual’s overall quality compared to other home insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 91, Goodville Mutual rises above the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing home insurance options.

Customer Service

9.4

Goodville Mutua: 9.4
Industry Average: 7.7
Goodville Mutua: 9.4
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Goodville Mutual’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Goodville Mutual’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Goodville Mutual’s service score of 9.4, they have a solid rating compared to similar home insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

9.4

Goodville Mutua: 9.4
Industry Average: 8
Goodville Mutua: 9.4
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Goodville Mutual. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Goodville Mutual handles it.


Goodville Mutual’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Goodville Mutual.


What does this mean for you?

Evident from a claims score of 9.4, Goodville Mutual has an outstanding rating compared to the average claim score of 8 for similar home insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

8.7

Goodville Mutua: 8.7
Industry Average: 7
Goodville Mutua: 8.7
Industry Average: 7

Goodville Mutual’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Goodville Mutual comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Goodville Mutual’s value for price score of 8.7 is excellent compared to the average of 7 from other home insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

Goodville Mutual Home Official Complaints

Official Complaints

Better than average

Tracks how many more or less official complaints Goodville Mutual has than average. With an index of 0 Goodville Mutual is better than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Goodville Mutual has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Goodville Mutual has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0 Goodville Mutual is better than average.

Auto complaints by year (normalized against company size)

Customer Reviews

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