Windsor Mount Joy Mutual Insurance Company: A Review of Products, Claims, and Customer Service

If you live or own a business in Pennsylvania, you may be considering insurance from Windsor Mount Joy Mutual Insurance Company. As a local insurer serving central and southeastern PA for over 130 years, they provide an array of coverage options.

Below we will take a comprehensive look at Windsor Mount Joy Mutual Insurance including:

  • Overview of the company
  • Products and coverage offered
  • Process for filing claims
  • Customer service options
  • Financial strength and reputation

Background on Windsor Mount Joy Mutual Insurance

First, let’s review some background details on Windsor Mount Joy Mutual Insurance:

  • Location – Headquarters in Ephrata, PA
  • Founded – 1889
  • Company type – Mutual insurance company
  • AM Best rating – A (Excellent)
  • Products – Home, auto, business, farm, life
  • Policies in force – Over 50,000
  • Premiums written – $60 million annually

Windsor Mount Joy employs over 50 insurance professionals working to serve communities across central Pennsylvania. Policyholders in the company also become members with voting rights.

Insurance Products Offered by Windsor Mount Joy

As a mutual insurer, Windsor Mount Joy offers a wide range of insurance solutions. Key products include:

Home Insurance

  • Homeowners insurance
  • Mobile home coverage
  • Rental property insurance
  • Seasonal homes
  • Vacant dwellings

Auto Insurance

  • Private passenger vehicles
  • Classic and antique vehicles
  • Recreational vehicles

Commercial Insurance

  • Property coverage
  • General liability
  • Commercial auto
  • Umbrella policies
  • Professional liability

Farm Insurance

  • Barns, stables, and outbuildings
  • Farm equipment and machinery
  • Livestock
  • Feed and grain

Specialty Insurance

  • Boats
  • Motorcycles
  • ATVs and golf carts
  • Collectibles
  • Rental dwellings

This diverse product portfolio allows Windsor Mount Joy to fully cover both individuals and businesses in their area.

How to File an Insurance Claim with Windsor Mount Joy

If you need to file a claim on a policy from Windsor Mount Joy, you can choose from these convenient options:

By Phone

Call their claims department at 800-233-0228 during regular business hours (Monday-Friday from 8AM to 4:30PM).


Visit their website and click “Report a Claim” to fill out their online claims form.

Mobile App

Use the ‘Contact Us’ section of their mobile app to submit claims details and photos.

Contact Agent

Reach out to your Windsor Mount Joy agent who can file the claim on your behalf.

No matter how you choose to file, be sure to provide details like the date/time, location, and estimated damages. Cooperating fully with claims adjusters and providing documentation helps facilitate prompt claims resolution.

Windsor Mount Joy Customer Service Options

Windsor Mount Joy policyholders have access to great customer service through:


Call 800-233-0228 to speak with a service agent for assistance with billing, payments, policy changes, and general questions.


Send secure messages for customer support to [email protected].

Mobile App

The Windsor Mount Joy app allows you to view your policy, make payments, file claims and access ID cards.

Agent Support

Contact your local Windsor Mount Joy insurance agent for personalized service.

Online Chat

Chat live on their website for real-time assistance.

Online Account Access

Manage your policy through their policyholder web portal.

Their focus on serving PA residents shows through the variety of customer service access points.

Windsor Mount Joy Insurance Financial Strength and Reputation

When choosing an insurance provider, you want to verify their financial stability and service reputation. Here are some key indicators for Windsor Mount Joy Mutual Insurance:

  • A.M. Best rating of A (Excellent) – This top level rating reflects their strong balance sheet and ability to pay claims.

  • Over 130 years in business – Their longevity demonstrates reliability as an insurer.

  • Endorsed by PAFB – Windsor Mount Joy is recommended by the PA Farm Bureau to its members.

  • Active in the community – They give back through local scholarships, donations, and event sponsorships.

  • Policyholder dividends – As a mutual insurer, they return profits to members in some years.

  • Trusted by Pennsylvanians – Over 50,000 policies in force shows local confidence.

Between their financial stability, community roots, and loyal policyholders, Windsor Mount Joy enjoys a stellar reputation.

Pros and Cons of Windsor Mount Joy Insurance

Some key advantages and potential drawbacks to coverage from Windsor Mount Joy include:


  • Mutual company structure
  • Top financial strength ratings
  • Broad product selection
  • Local agents provide personalized service
  • Competitive pricing, discounts available


  • Limited to central PA region
  • Smaller national presence
  • Fewer choices compared to national insurers
  • Mostly standard insurance offerings

Ultimately their pros of reputable service and products outweigh the cons for Pennsylvanians needing coverage.

Is Windsor Mount Joy Mutual Insurance Right for You?

Windsor Mount Joy makes a smart choice for these policyholders:

  • Individuals/families in central PA – Benefit from local agents and community focus.

  • Farm owners – Access trusted farm insurance tailored for PA.

  • Charitable organizations – Windsor Mount Joy actively gives back.

  • Businesses with local operations – Take advantage of commercial products and local presence.

  • Customers who value personal service – Windsor Mount Joy agents provide white-glove service.

Thanks to their financial strength, product breadth, and service commitment, Windsor Mount Joy Mutual Insurance stands as a top choice insurer for many Keystone State residents and businesses. Reach out for a quote today to secure trusted coverage.

Project Update | Windsor-Mount Joy Mutual Insurance Company


What is the phone number for Windsor Mount Joy claims?

Claim Phone Number: Questions regarding an existing claim call 1-800-233-0228 option 3.

Who owns Amfam insurance?

American Family is owned by American Family policyholders, since it is a mutual insurance company and its shares are not available to investors on the public market. Among the 10 largest car insurance companies in the U.S., four are mutual insurance companies.

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