Pioneer State Mutual Insurance

Insurance, Pioneer State Mutual Insurance Co

Pioneer State Mutual Insurance Company specializes in property-casualty insurance for individuals and businesses throughout Michigan.

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Pioneer State Mutual Insurance Reviews ( 200 )

  1. Only willing to fix half my car because the shop i took it to over looked a few things and now they wont finish fixing the problem with it. Whats the point of full coverage if they dont actually help

  2. This company likes to gouge its customers, every time I turn around there hitting me with a new type of bill , because I’em old they want to charge me more money saying my medical insurance won’t cover me in a car accident!!
    Just another move to get more money!!

  3. The customer service is horrible,can’t never get thru a call but when you do the agent have’s a attitude and if you’re two days late on the payment they threaten you to cancel your policy they don’t try to help you at all sick and tired of this company can’t wait to get of them

  4. They are the cheapest quote I received and have had insurance over a year w/them and checked for cheaper quotes a month ago and no other Insurance company is even close to being less than I’m paying here!!!!

  5. Other auto insurance companies are giving refunds do to say at home order because we can’t drive anywhere like we use to, why aren’t you offering the same???????

  6. This place is a scam. Never have I ever dealt with such a headache for a refund. They are quick to take your money but when it comes to returning it because you cancelled their garbage policy, they wont return it. HOPE YOU BURN IN HELL!

  7. Was a customer for a few years really liked them I thought, wanted to start a small side mechanic business in my shop, they decided they didn’t want to underwrite that, so I decided to no longer employ them!

  8. One of my rental properties caught fire and needed extensive repair…Pioneer did an amazing job of communicating and helping and paying on time. I highly recommend them!

  9. Horrible company, I had a 88 year old patient who totaled his vehicle, sustained lower back and neck pain and filed a claim with this company for treatment. They dismissed his claim as preexisting and refused to pay for any of his therapy. Stay away from this company!!

  10. 7/21/20 EDIT: Same issue as before arrises. I will be asking for the agents name from now on and taking my complaint up specifically for those individuals. They do not train their customer service agents to be kind or respectful. ORIGINAL: …

  11. Terrible insurance company! They infringe on privacy and are very rude. Did you know you have to include ANY person living with you? Including blind niece or grandma with dementia.. …

  12. Pioneer was excellent. Jackie went above and beyond helping us. She answered every question we had. She made the experience easy. We are grateful to be a part of the Pioneer family

  13. After being a loyal customer and taking my money for over SIXTEEN YEARS, I decided to switch to Fairmont Insurance because for the same coverage, my premiums were lowered by more than HALF. Now, these clowns at Pioneer WON’T take my money …

  14. A scam insurance co. I had to hire an attorney and threaten court on a claim. I prevailed but what I went thru was unjustified. Poorly informed so called agents and a jerk of an adjuster. He talked over me, accused me of lying and would not …

  15. I had an automobile claim with Pioneer and they went above and beyond to handle the claim. They were very responsive and when they totaled my vehicle I didn’t have to fight with them on the settlement.

  16. I had a great experience with the claim that I recently went through. The adjuster was very responsive and answered all of my questions. The claim was also paid out very quickly. I highly recommend this company!

  17. This company is horrible, they love to collect premiums but will fight with every last dollar to avoid paying a claim. If you’re thinking of signing up for a farm policy with these guys and run in to the misfortune of having a claim you are in trouble. Pay a little more and get the farm bureau is my advice!

  18. Pioneer is an amazing insurance carrier to work with. Personally my home and auto have been insured with them for many years. They are a hometown company that cares.

  19. PSMI has been my go-to company for several years. They are professional in their dealings and responsive to needs. PSMI is also a good steward of the industry as it works to maintain best value for my dollar. I appreciate being a valued customer.

  20. Scam scam scam.
    Don’t get an an accident while insured with this poor excuse for an insurance company they will find a reason, even if it sounds crazy, to cancel your policy. …

  21. My Insurance Claim went seamlessly! Everyone I was in contact with was professional, courteous, knowledgeable and acted quickly. Thank you, I will stay here for all my insurance needs!

  22. Set up for auto pay, they didn’t pull the money out on my scheduled date, canceled my insurance and never called me. Didn’t see anything in the mail until it was too late. To pay someone $150 a month and they can’t simply pick up a phone to …

  23. I have been a customer for 1.5 years. PSMIC denied our claim for storm damage to roof (hail). I’m no roof expert so I don’t know to what extent the roof was damaged. But I do know that of the 18 houses closest to mine in my subdivision …

  24. Having lived nationwide , I am confident in saying PSMIC is one of the better companies I have dealt with over the last 25 yrs. No company is perfect and sometimes a company takes slack for what independent agents do or don’t do. Most …

  25. Slow response to storm damage. Authorized emergency services on the phone then refused to pay for them. Then refused to pay for roof damages after THEIR Engineer found a way to diqualify the roof stating home that was purchased had a roof defect (a fine print clause to be aware of).

  26. As The Owner of Professional Auto Collision in Flint, Mi, I know first hand the good and bad insurance companies… I work with them ALL on a regular basis. I will tell you that with out a doubt Pioneer is a stellar insurance company to work with.

  27. My daughter left work only to find that someone had hit her the front of her car, totally denting in her front quarter panel. Our experience with the adjuster, repair shop, and agent has been superior! Everything was handled professionally and smoothly.

  28. I like having my policy information at my fingertips via the mobile app and website! Recently had to provide the bank that had my car loan with proof of car insurance and what level of coverage I have. So easy to login, get the docs I needed and other info I was asked to provide and send them electronically to the bank.

  29. Top notch adjuster. Very prompt and knowledgeable. Pleasant to work with and she was proactive in presenting solutions to our issue. Thank you. Your claims adjuster on our matter is a gem to your Company.

  30. Got into an accident a few months ago, and still fighting to get my car fixed correctly. I pay so much money to have car insurance, but when it comes to making a claim, they don’t want to have anything to do with it. Adjuster told my body …

  31. I have a youthful driver and Pioneer has the best rates of any company we have quoted out. The claims service was great when I had flood in basement – I have them for home and auto 🙂

  32. Do not use their road side assistance! Waste of money and they hire people that have no clue what they’re doing. Just waited two hours for two different guys to come out and tell me that I need a tow and try to get money out of me to fix …

  33. Was insured here for multiple years had no issues. Online Bill pay is very easy to set up. App is very nice to have and very user friendly. Made it easier to add things to policy or view my dec page.

  34. I have been a Pioneer Insured for many years and have complete trust that if a loss situation were to occur, Pioneer would handle the situation in a fair and professional manner. Rates have always been competitive and service outstanding! – Erin A

  35. In April 2017, I had a house fire that required an extensive rebuild. PSMIC was wonderful. The insurance company sent their adjustor out in 2 days. Marissa was wonderful. She gave me a check to cover my immediate expenses. I was out of …

  36. We recently had a claim. Very prompt and caring adjusters.
    We reported it through the mobile app and the adjuster for the vehicle called less than an hour later. We had some injuries and that adjuster called about an …

  37. Been with them for years and today I had quite the unpleasant experience . It was the 1st time I ever had to use the roadside assistance that I pay extra for and it took 4 hours..yep not even kidding. First call was at 4:05 & I was told 30 …

  38. Tree fell on my house in September, its now December, in Michigan. The adjuster approved removing my ceiling, but will not approve anything to be fixed. He has been out twice, once when the tree was still on my house, and once to meet the …

  39. Pioneer State Mutual is a wonderful community partner. They have helped our agency in a variety of ways including sponsorships, in-kind donations and providing support during our annual child abuse prevention campaign, Paint Our Town Blue. …

  40. Worst insurance company period. They dropped our insurance policy because my older son had prior convictions. He has to misdemeanor marijuana convictions from a number of years ago. (He had a rough time coping with finding his real Father …

  41. Everyone I’ve ever talked to has been wonderful, I have no complaints at all. This is not my insurance company, I just had to deal with them for a short while, but anyone looking for insurance I would definetly consider this company.

  42. Been with them for over a year no late payments. Caught me out of town at my fathers funeral and canceled my policy after 22 days. This company is heart less. Don’t look for an honest company here.

  43. I have personally had Pioneer State Mutual for my Home and Auto insurance for the last 5+ years. I have always had great and friendly service from them. I would recommend Pioneer to everyone.

  44. I have had home and auto insurance with Pioneer for 11 years. I have filed 3 auto claims. They were friendly and quick on handling them. I recommend them to all my family and friends.

  45. Horrible Insurance Company. Was a five-year customer up until one claim filed and then they decided to cancel my policy. They denied my claim even though it clearly stated in my insurance that I had the protection necessary. Be careful …

  46. Julie Kwapis was the adjuster for a recent sewer backup in my vacation condo. She wasted no time in evaluating the damage and reviewing the condo association by-laws to realize that we were liable for the first $5000 of damage. She …

  47. I was in an accident last year, and even before the police arrived I was able to report my claim via the mobile app… it was simple, and while the repairs needed were extensive, the entire cost was covered quickly and with no issues. The …

  48. I have been insured with Pioneer for a year now, they have great insurance rates, and the customer service department is very helpful and professional. I am very happy that I switched over to this company.

  49. Working for an agency with multiple insurance carriers, I must say Pioneer State Mutual Field Reps and Commercial Lines Underwriters are always very nice to work with. Keep up the good work and stay healthy!

  50. My family has insurance through State Farm and Pioneer captured my son and charged my sister (who has Pioneer) for him. 3 months later we are still trying to remove him from her policy as he has been covered under our policy for 3 years. …

  51. Pioneer State Mutual is a community-minded and dedicated organization. Their employees are friendly, kind, and compassionate. I work for a center that provides services to victims of child abuse and neglect. Pioneer State Mutual provided …

  52. I have worked with Pioneer State Mutual for over 20 years and they are a fine insurance company operating in Michigan. They offer a wide range of insurance products including Auto, Home, Business, Farm, and Workers Compensation. They are …

  53. We have been with Eastman insurance who go through about 10 insurance companies . Pioneer being one of them. So off and on we’ve had pioneer for well over 15yrs. Most recent is over 5yrs. …

  54. Worst insurance company I’ve ever dealt with in my life. After 7 houses and 50 years of life this company by far is the worst. Always happy to take your yearly premium but when it’s time for them to hold up thier end of the deal….wow. …

  55. My house flooded from a faulty washing machine repair. When I called Pioneer they was so very helpful through out the entire very stressful proccess. I could not of had any better customer service that what I received. I received my repair checks within days and my house is looking better than ever. Thanks Pioneer 👍 …

  56. Marisa was so great to work with. She listened to everything that I said, was accommodating finding companies to work with, and also allowing me to use my favorite painter for a job. She was quick to respond to all of my questions in a …

  57. I am an agent in an Independent Insurance Agency and we sell Pioneer State Mutual insurance products ranging from home, auto and commercial. We work with 6 other insurance companies in our office and we have found Pioneer to go above and beyond to service, help and offer direction for us as well as our clients.

  58. Absolutely the worst insurance company in the United States. If I can give them a negative 10 I would have. They love to hike up your rates but when it comes time for a claim you get absolutely nothing and they give you pure hell. Will be …

  59. We’ve had Pioneer State for our homeowner’s insurance for a little over a year. This winter we had two separate pipes freeze/break in our new home, causing extensive damage. Having never filed a homeowner’s claim before, I was very …

  60. I have had Pioneer through Jacobsins to insure my mothers estate, my auto and condo for the last 5 years. I recently quoted and found out I’m paying almost $500 a year for the same coverage just on auto so I’m switching. Jacobsins as a …

  61. Hubby and I have never had to call our homeowners insurance company for anything in our 50 years together so when we had a terrible fire we did not know what we were supposed to do. Thank God we had Pioneer State Mutual! When we called, …

  62. The worst insurance company I have ever worked with. Rates go up, no help with NOT at fault insurance claim. The adjuster Kevin Wheeler, should not be working with or around customers, he was extremely rude and childish. They hire an …

  63. I called my agent made a claim on the roof because of high winds. No communication, adjuster showed up and left because I am a disabled vet, and my dog barked a couple times in friendly play? I ask if I could have a 5 minute break and that …

  64. Pioneer State Mutual is exceptional at their claim service. Having been insured with for 20 years I have experienced nothing but excellent claim service. They are professional, speedious and fair.

  65. We recieved a call back almost immediately & given our adjusters name, so we could identify her when she called. We were told the adjuster would be calling within 24 – 48 hours. Julie called within hours & had us set up with our appt. We …

  66. We have been insured with Pioneer for several years for both our home and auto’s. The few claims we’ve had have been handled quickly and fairly. We especially like the mobile app and access it provides to roadside assistance and our certificates of insurance.

  67. This was THE worst insurance company I ever dealt with. I never had so many issues and had my insurance cancelled on two separate occasions by them and without my knowledge or consent. The first situation was kinda my fault I cancelled my …

  68. My adjuster Jackie was very helpful and took everything into account that was damaged due to the flooding in my basement, even things i hadn’t thought of. She also got a check to me in short order for the repairs! Great people, great …

  69. Over the last 19 years (after Allstate’s ‘good hands’ refused to insure our newly bought modular home); my agent Jackie @ Hinkle Witbeck in Reed Ciry found Pioneer State Mutual! I couldn’t be more happy with their services! After every …

  70. Pioneer is an Outstanding Insurance Company. They addressed my concerns immediately, took care of my claim, covered everything and was extremely fast from start to finish. …

  71. I was a customer of this company for years. I had a car accident and had to go to the hospital. Because of HIPPA regulations the hospital policy is they don’t send a claim until the insurance company gives confirmation over the phone that …

  72. My payment was missed due to my debit card being stolen. What could have been an easy fix to the account ended my multi-year relationship with them because of the lack of professionalism in their billing department. I was not only treated …

  73. Seriously. Heed my warning. You will not have someone to call when an issue arises. When you do get through, you’ll get a very stern responding individual who will more then likely make you feel insignificant. The MAJOR issue: they’ll …

  74. I have been a Pioneer customer for many years. I started to panic a little bit a year ago when my 15 year old was getting ready to turn 16 and start driving, YIKES. Plus I had to add him to my insurance, DOUBLE YIKES. Pioneer had …

  75. Pioneer has been a quality insurer I have used for years! The employees are always very nice and informative whether I have billing questions or potential claims questions. They are very good at explaining the policy language as is my agency, Emil Rummel.

  76. Our experience with Pioneer State as we worked through the loss of the Sanford dam break could not have been better. Our contact, Kevin Wheeler, was outstanding in his professionalism, knowledge and clear communication. He made what was an overwhelming task to us flow smoothly and expediently. We give Pioneer State a 5-star rating.

  77. I have been very impressed was pioneer since I first signed up. The many times I locked myself out of my car and called them got help right away and even a follow-up call to make sure I was happy with the service I received. …

  78. We can’t say enough about Pioneer and our Claims Adjuster, Marisa! Marisa was so friendly and handled our claim in a timely and fair and very professional manor. Having a fire loss is not fun but the way Pioneer handled our claim made it …

  79. I have been insured with Pioneer for over 5 years and have found their rates to be highly competitive. I have also had a few claims and their claim service is top quality. No issues ever!

  80. Having had Pioneer for the last few years I can’t say enough good things about them as a company and their representatives. I had a claim that was in a bit of a grey area in terms of if it was covered, and yet they approved it and were …

  81. Seriously the worst insurance company I’ve ever dealt with. They give you no notice when they come out to inspect your property, or you will receive the notice two weeks after they’ve already been there. They will cancel you without even …

  82. My in laws were with them for over 60 years. Then, a storm came through and the claim was over 10K. Pioneer demanded so many updates in very limited time, it was impossible to do. The most unbelievable one was to paint the external of the …

  83. A horrible experience dealing with this insurance company. Once a claim is filed, they try to drag things out to avoid a settlement. The management is incompetent and unprincipled, which permeates the entire organization. Unfortunately, …

  84. The My Pioneer app is very user friendly and it came in handy when I was purchasing a new vehicle as I was able to see the price for the new vehicle before purchasing it. Making a payment on the mobile app is quick and easy as well.

  85. This company is the worst insurance company I have ever had. Filed a claim and had to wait nearly a month for a response. Then had to get several estimates for repair which basically got thrown away. Insurance company appears to be in …

  86. I have been a customer of Pioneer State Mutual for several years now and they have always provided an excellent customer experience with the service, billing and prompt response time. I would recommend this company to others with insurance needs.

  87. I’ve been a client of Pioneer State Mutual for 5 years now and yes I’ve had a claim or two which is why you buy insurance. The claims staff was great to work with and got me back on the road quickly. A great experience.

  88. Pioneer is so easy to work with. Their customer service was always able to answer questions, plus they have a great mobile app for their customers to be able to print ID cards, copies of policies, pay bills; you can even request policy …

  89. In all the years we’ve been with them, try to make one claim due to storm damage, and they make every excuse they could come up with to why its not covered.Were very rude, basically said they will only cobble it together because that’s what …

  90. As an independent agent, I work directly with many carriers on a daily basis. Pioneer State Mutual is an incredible company; their professionalism shines through on a daily basis. They have a knowledgeable, trained, and trustworthy staff …

  91. HORRIBLE CUSTOMER SERVICE. Very rude workers.
    Outrageous prices. I was paying $200 a month for state minimum insurance on a 2012 SUV! I was being scammed. Just got a quote for less than half that price. …

  92. I can’t say enough GREAT things about our experience with Pioneer State Mutual. Their team was so supportive, responsive and timely. Jackie Shappee was our Regional Representative who was AMAZING. She and her team made this claim …

  93. After paying for home owners insurance for 50 years we finally had a claim!! It was damage from a cracked water softener hose that apparently ran all night flooding our finish basement. The clean up company and the adjuster from Pioneer …

  94. I have been insured with Pioneer State Mutual for many years. In that time, I’ve had one home claim and a couple of auto claims. The claims process was handled so smoothly for both my home and auto claims. The adjusters were helpful and kind. I really appreciated how they helped me through the claim process.

  95. I have had Pioneer State Mutual Insurance since late 2009. They have provided top notch service and i have never had any issues. We had an auto claim that was handled promptly with great communication from the adjuster. I would highly recommend Pioneer to any of my friends or family.

  96. I have had Pioneer since I was able to drive. They have great rates and I had a great claims experience with Pioneer. I was able to use their iPhone app to report the claim and heard from the adjuster early the next morning. My claim was resolved quickly and my premiums stayed consistent.

  97. The claim for replacement of my Tesla windshield could not have been easier. I was contacted within an hour to ensure they understood the facts I entered online and they mailed me a check the same day. Super easy!!!

  98. This is a very good insurance company. I have been in 3 accidents 2 not my fault. They are on the ball quick to receive a check for body work. My 1st accident 3 years ago they are still honoring taking care of me medically. I recommend this company for any insurance needs!!

  99. Absolutely disgusted with this insurance company! If I could give zero stars I would. I was a car accident. I wasn’t at fault. First accident. My husband was injured. We had to take them to court twice for them to pay his medical bills. …

  100. I am an insurance agent at a local agency in Waterford, Mi. I have been selling Pioneer State Mutual Insurance for almost 15 years and they have always offered competitive prices and quality customer service. They sell solely through their …

  101. We recently had a flood in our basement due to a severe storm in our area. From the moment I contacted Katie at Pioneer, I felt confident she would help us through this. She was very thorough and professional and moved our claim along …

  102. 3 months and still waiting for them to get my repairs started. Paul there adjuster has no clue what he’s doing or talking about. doesn’t even have any credentials that even shows he knows anything about home repairs. Tells me my subfloor …

  103. Fast! The next day after my accident both adjusters were in contact, one actually at the house.
    A week later the garage door has been installed! Very pleased!
    Vehicle, as soon as the parts arrive all will be fixed.

  104. In December 2020, I experienced an equipment damaging power surge on one leg of my electrical service that smoked many electronic components that were on that leg. Components on the other leg weren’t bothered. My power was out for 2.5 days. …

  105. I am a independent agent and Pioneer is one of the many companies we represent. They are one of my favorite companies to work with. Their fast, responsive and the underwriting team is fantastic. I’ve had many clients with claims call me …

  106. I have been a Pioneer State Mutual customer for almost 4 years. During this time I have been in contact with several departments at Pioneer and am continually impressed by the kindness, and patience, that their employees have shown to me. …

  107. I am very pleased with the outcome of my claim and the service provided during it. I was concerned when I read the reviews regarding Pioneer while filing the claim, but was relieved and more than pleasantly surprised to find Ellie, the …

  108. Filed a claim after some wind damage. They said they would cover a patch job in the roof but not repair the whole roof. Had roofing companies out for estimates and they couldn’t believe what I told them per insurance. They wouldn’t even …

  109. I’ve been a loyal customer for years for my auto insurance but I’ve never experienced such rude customer service for the Ez pay service. So this is a first for ever writing a review on anything but When your just trying to pay your bill( …

  110. I really wish I could give more than the 2 stars that I gave but, after my recent experience with them and my soon to be ex husband, I’m honestly not pleased with them. …

  111. Had to have some body work done from weather damage. Samantha was our adjuster. She was amazing. Samantha coordinated all my needs with Feldman in New Hudson. When Feldman saw more damage, they communicated with Samantha and took care of …

  112. Closed on home in December 2021. Pioneer agreed to insure new home and took the payment on closing. Three months later, they’ve cancelled my policy, without contacting me until AFTER I’d received the refund check. Awful customer service! …

  113. After our house fire Pioneer State has stepped up and everything was done in a timely fashion. Special thanks to our adjuster Mark Zielinski for being kind and diligent with our claim.

  114. Pioneer has been our choice for homeowners and car insurance for many years. We have had claims in the past which were always taken care of professionally and very quickly. This is our experience with our most recent claim.Excellent …

  115. We had a fantastic experience with Pioneer State Insurance. Our agent(Julie) was on top of everything. Always answered our questions expeditiously and clearly. So glad we had her and Pioneer State!

  116. They work very hard to figure out a way to NOT pay. I was a customer for years and everything was great until I had a claim. My water heater failed causing water damage in my basement, they had hired an engineer to come in to look for …

  117. Pioneer State Mutual Insurance provided excellent service after our home was water damaged. The adjuster came promptly and helped to orchestrate a plan to get our home back in order. Payments for expenses were very timely.

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