Your Guide to Madison Mutual Insurance in Edwardsville, Illinois

Madison Mutual Insurance is a leading insurance provider serving Edwardsville, Illinois and the surrounding communities. With over 100 years of experience, they offer customized coverage options for auto, home, business, farm, and more. This article will provide an in-depth look at Madison Mutual Insurance, their history in Edwardsville, the coverage options they provide, and how to get a quote or file a claim.

An Introduction to Madison Mutual Insurance

Madison Mutual Insurance Company was founded in 1919 by Joseph Hlad in Edwardsville, Illinois. After a negative experience with another insurance provider, Hlad wanted to create a company that truly cared about policyholders. He funded Madison Mutual by raising money within the Edwardsville community.

In 1920, Madison Mutual opened inside Hlad’s general store, initially selling auto insurance to local community members. They later expanded to offer coverage for homes, businesses, farms, and more. While the company now operates in several states, the headquarters remains in Edwardsville, upholding that original commitment to the community.

Today, Madison Mutual Insurance employs over 200 people and provides insurance policies to over 100,000 customers across Illinois, Missouri, Wisconsin, and Indiana. However, their largest market remains the Edwardsville and metro-east St. Louis area.

Madison Mutual Insurance in Edwardsville, IL

The connection between Madison Mutual Insurance and Edwardsville runs deep. As the location of their founding and headquarters, Edwardsville is home to their main office located at 222 E Park Street.

Madison Mutual maintains two additional offices in the area – one in downtown Edwardsville and another in nearby Collinsville. The Edwardsville office has served the community for over 60 years from its Main Street location.

Due to their long history and community roots, Madison Mutual Insurance has established close relationships with many local insurance agencies and brokers in Edwardsville. These agencies have a strong understanding of Madison Mutual’s offerings and services. They can provide quotes and counsel directly to Edwardsville residents looking for the right coverage.

Insurance Products Offered by Madison Mutual

Madison Mutual Insurance offers a full range of insurance solutions for both individuals and businesses in the Edwardsville area.

Auto Insurance

As their original product line, Madison Mutual provides extensive auto insurance options with ability to customize coverage. They offer collision, comprehensive, uninsured motorist, medical payments, and roadside assistance. Discounts are available for safe drivers, low mileage, anti-theft devices, and more.

Homeowners & Renters Insurance

Homeowners can secure dwelling coverage, personal property protection, loss of use, personal liability, and more. Renters policies cover belongings against theft, fire, water damage, and liability. Discounts apply for alarm systems, protective dogs, and retired residents.

Business Insurance

Madison Mutual offers commercial coverage including:

• General liability insurance
• Professional liability insurance
• Commercial property insurance
• Commercial auto insurance
• Workers compensation
• Cyber liability insurance
• Commercial umbrella insurance

Farm Insurance

For farms and ranches, Madison Mutual provides:

• Coverage for homes, buildings, equipment, livestock, and crops
• Liability protection
• Workers compensation for employees
• Chemical drift protection
• Discounts for young farmers and farm mutual members

Umbrella Insurance

Umbrella insurance from Madison Mutual provides additional liability coverage beyond standard policies. This can protect assets in the event of a major claim.

Additional Offerings

Other products include:

• Life insurance
• Classic and specialty auto insurance
• Short-term rental insurance
• Boat insurance
• Motorcycle insurance

Edwardsville Insurance Quotes and Claims

There are a few ways Edwardsville residents can request quotes and file claims with Madison Mutual:

• Work with a local agent. The easiest way is to connect with a Madison Mutual agent in Edwardsville. They can provide quotes and explain coverage details. The agent will also assist with any claims.

• Call Madison Mutual directly. You can call their toll-free number at 1-800-766-6642. Their customer service team can discuss policy options and take claims over the phone.

• Visit a Metro East office. Stop into one of their Edwardsville or Collinsville locations during business hours to speak with an agent in-person.

• File a claim 24/7 online. Claims can be submitted any time through their website. You’ll need to provide details about the incident and any associated damages or injuries.

• Download the mobile app. Madison Mutual offers a mobile app with ability to view your policy, request changes, and file a claim.

Why Choose Madison Mutual Insurance?

Here are some key reasons Edwardsville residents may want to consider Madison Mutual for their insurance needs:

Local company with deep roots

With over 100 years in Edwardsville, Madison Mutual understands the community and has built trust through generations of customers. Their longevity demonstrates commitment.

Highly rated insurer

Madison Mutual maintains an A- rating with A.M. Best Company, indicating excellent financial strength and ability to pay claims.

Customized coverage

They offer specialized packages and options so policies can be tailored to each customer’s specific situation and needs.

Strong local partnerships

Close relationships with area brokers and agents means policyholders get personalized, knowledgeable service.

Convenient local access

With multiple Edwardsville locations, it’s easy to talk to a Madison Mutual agent in-person.

Competitive pricing

As a smaller company, Madison Mutual can often offer very cost competitive pricing on policies.

Policyholder dividends

When Madison Mutual has a profitable year, they return a portion of earnings back to policies as dividends.

Personalized claims service

Their local claims team aims to resolve each claim quickly and hassle-free.

Focus on community

Madison Mutual maintains a community-first approach with local roots dating back a century.