Frequently Asked Questions

Need to have an important insurance question answered? Check out our FAQ page for your answer. Not there? Contact us directly for an answer.

Policy FAQs

ShowWill anyone come to my house to perform an inspection?

We work with a third party inspection company to perform exterior inspections of most of the properties we insure. Since the inspectors do not need to go into your home, we do not ask them to make prior appointments with you. While the inspectors will not ask to enter your home, they will examine it from the outside and take pictures for our files. The purpose is to determine if there is an exposure to potential loss that could be corrected. This will help to protect your investment and your family, and keeps insurance rates down. Your policy booklet contains a section called "Notification of Information Practices" that provides additional information regarding our inspection program.

ShowWhat discounts are available?

We offer several discounts, many of which – including discounts based upon the age of the home or how long you have owned it – are automatically included in the premium. Additionally, your home may qualify for a discount based upon security features you may have, like being located in a gated community or having a monitored alarm system. Please login to the Customer Service Center to check whether you are receiving all applicable discounts.

ShowHow can I lower my homeowners premium?

If you would like to see how much your premium would go down if you increase your deductible or install an alarm, please login to the Customer Service Center to check pricing or ask a licensed customer service representative to help you.

ShowWill my premium increase at time of renewal?

It may. For example, if you have a new home, you receive a discount based on the age of the home. Over time, this discount decreases, and your premium will increase correspondingly.

ShowDo I need to contact Western Mutual if I have made any changes, additions or upgrades to my property?

Yes, in most cases. If your improvements result in increased property value, your original coverages may not provide adequate protection for you. We recommend that you notify us of these improvements so that we may assist you in determining if you would benefit from an increase to your policy coverages. Further, your policy may require you to report such improvements to us in order to receive full policy benefits in the event of a loss.

ShowDo I need to notify Western Mutual if I change my name or add an individual to the deed for my home?

To process a name change request (either a name change or addition), please fax a copy of the deed or quit claim deed as proof that all named insureds referenced are owners of the property.

For a "Last Name" change request, please provide a copy of your marriage certificate or your updated driver´s license with the new last name.

You may fax your request to (949) 838-0019; include name, policy #, property address, and effective date. Please allow 24-48 hrs for processing.

For faster priority processing, typically processed in 4 hours, please submit your request online at our Customer Service Center (CSC).

ShowDo I need to contact Western Mutual if I move and rent my home to tenants?

Yes. Changing the occupancy and/or use of the property without notifying us may result in a reduction or elimination of coverages. If you decide to rent your home, you would need a dwelling fire policy. A dwelling fire policy is similar to a homeowners policy but does not provide coverage for items such as personal property and liability; these coverages can usually be added for a minimal charge. We offer dwelling fire policies for properties located in the states of Arizona and California.

ShowDoes my homeowners policy cover earthquake damage?

No. Earthquake quotes can be obtained by logging in to the Customer Service Center.

ShowCan I buy Earthquake Insurance only?

No. Western Mutual only offers earthquake coverage in addition to a Homeowners Insurance Policy or our Dwelling Fire Policy. All insurance providers who offer homeowners coverage to California consumers are required by law to make earthquake insurance available as well. The Western Mutual Insurance Group offers a Basic Earthquake Policy, which carries a 15% deductible. Western Mutual also offers earthquake coverage as an endorsement for its Preferred Homeowners Insurance policyholders in Arizona, California, Colorado, Nevada, New Mexico, and Utah.

ShowDoes my homeowners policy cover flood damage?

Homeowners policies do not cover flood damage. If you have homeowners policy with us, you can get a flood quote by calling us directly at 1-800-234-2114. You can visit the National Flood Insurance Program of the U.S. Government at for more information about this type of coverage.

ShowDo you offer other coverages such as auto, life insurance or umbrella policies?

No. Western Mutual only offers preferred homeowners insurance, dwelling fire insurance, condominium owners insurance, earthquake insurance and flood insurance options. Specializing in only home insurance helps Western Mutual offer lower rates, while maintaining its high quality homeowners' services.

ShowWhat is the maximum liability coverage you offer?

The amount of liability coverage offered depends upon the state where your home is located. Please login to the Customer Service Center to find out how much coverage is available and what it will cost to increase your liability coverage.

ShowIf I decide to cancel my Western Mutual policy before it expires, do you charge a penalty fee?

No. We do not charge a penalty or cancellation fee. We will provide to you a prorated refund of your policy premium paid to date.

Quote FAQs

ShowWill anyone come to my home to perform an inspection?

We utilize a third party to inspect most of the properties we insure. While the inspectors are not required to enter your home, they will examine it from the outside and take pictures for our files.

ShowCan you send an agent to my home to answer my questions?

Although we are unable to send someone to your home to meet with you personally, licensed sales representatives are available to answer your questions by phone at 877-WMUTUAL (968-8825) or on our convenient online chat feature Monday through Friday between the hours of 8:00 am and 4:45 pm, pacific standard time. If you would like to contact us online during non-working hours, you can use our Online Contact Form and we will respond to you the following business day.

ShowWill my insurance premium and coverages be different when I receive my policy?

No, what you are quoted is the final premium for the coverages and deductible you have selected.

ShowHow do you know so much about my property?

Western Mutual accesses public information found in county tax records. Information such as the size of your home and the year it was built is necessary for us to accurately determine your premium.

Claim FAQs

ShowWhat should I do if I have a loss?

  1. Report the loss to us online, using our Customer Service Center or call 1-800-927-2142.
  2. Take steps to make reasonable temporary repairs to protect your property and you from further damage or loss.
  3. If this loss is due to theft, notify the police and file a report.
  4. Take photographs of any damage before you clean up and save the damaged property if possible.
  5. Get multiple estimates for repairs from reputable sources as this may allow an adjuster to process your claim more quickly.
  6. Be sure to read our Claims Loss Steps.


ShowIf I have a loss, do I need to show proof of what was in my home?

You will need to provide a list of items that were destroyed or damaged. We suggest you keep all receipts for personal property purchases. You may also want to keep an inventory of all the contents inside your home. You may accomplish this by completing an inventory list or by photographing or videotaping each room to create a visual record.

Your home contains the possessions you and your family have acquired throughout your lives. Attempting to create an inventory after a loss can prove to be a daunting task. Thus, it is a good idea to create a Personal Property Inventory and keep it in a safe place. The Insurance Information Institute (III) offers free software that guides you step-by-step through the inventory process. If you are interested, go to to download the III´s inventory software.


ShowIf I file a claim on my homeowners policy, will my premium increase at renewal?

The rating of your policy is not affected by claims experience. However, we may review a policy´s claim history prior to the renewal date to determine the eligibility for continuance of coverage.

ShowIn the event that my automobile was broken into and personal property was stolen, what would be covered under my homeowners policy?

While your homeowners policy would cover the loss of your personal property, any damage to your automobile or related parts would be excluded. This type of damage would be covered under your automobile insurance policy.

ShowDo you have adjusters that handle claims in my area?

We use independent adjusters and contractors to investigate and research our policyholder claims in areas not served by our company adjusters.

ShowWhat does my claim involve?

The insurance policy must be reviewed to determine the applicable coverage, and the value of damage to the property must be determined.

ShowWhat number do I call to report a claim?

It´s now easier to file any claim using our Policyholder Customer Service Center If you need to use the phone, please call 1-800-927-2142 to report a claim. If your claim occurs during non-business hours and is an emergency, leave a detailed message and you will be contacted as soon as possible.

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  • • Línea Automatizada de Pólizas: (888) 467-7736
  • • Servicios al Cliente: (800) 234-2114
  • • Servicios al Cliente (fax): (949) 838-0019
  • • Departamento de Reclamos: (800) 927-2142
  • • Departamento de Reclamos (fax): (949) 838-0144

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(based on 308 customer responses from an October 2015 survey)

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  • Evidence of Insurance ◄

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    Current policyholders can request a copy of their insurance declarations page with our on-line Customer Service Center (CSC).

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    A request for Evidence of Insurance may be faxed to (949) 838-0019.

    Please include name, policy #, property address, and new lender information. Please allow 24-48 hrs for processing.

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