Frequently Asked Questions


How do I report a claim?

First, call or email your agent. To look up your agent’s phone number, click here. Or you can notify us by completing the online form.

What should I do if I have an extreme emergency claim situation?

1. Protect your property as best you can from further damage.

2. Contact your agent. 

3. If your agent is not available on a weekday after 4:30p.m. (Eastern Time) or on weekends,  call us at:
(800) 733-3320 (please call first)
(269) 782-3451 (use this number only if the above number cannot be reached)

4. Have your policy in front of you to help answer questions. 

5. You will get a contact phone number for a Wolverine Mutual claim adjuster. 

Do I need a police report?

Yes, request a police report when you are in a car, boat or motorcycle accident or there has been a theft or potentially unlawful damage to your property.

What if I need my car towed?

If you carry road service on your vehicle you will be reimbursed the amount of coverage you have elected. 

Is there a list of preferred repair or construction places?

No. Wolverine Mutual won't steer you to a specific body shop or contractor - you choose who provides your repair or construction service.

Policy Quotes

How do I get a quote for a new policy?

Click on Get a Quote and complete the form. Your request for a quote will be sent to the agent you select.  You can also contact a Wolverine Mutual independent insurance agent for a quote.

Why should I buy insurance from Wolverine Mutual?

Wolverine Mutual is a financially strong company that is prepared to handle your short- and long-term protection needs. Since 1917 we have provided our policyholders with the insurance coverage that ensures you will hear “it’s covered” when something happens to the people and things you value.

You will work with a local independent insurance agent. No one will work harder for your financial security. You will get sound advice on what coverage you need and what coverage you don’t need.
Since there are no one-size-fits-all insurance solutions, we will work closely with your agent to tailor a policy that adequately protects you. And we will give you a competitively priced quote so you can get the most value for your insurance dollar.

Our quick response to claims and renowned service are why year after year our customers renew their policies with us. We would be honored to take excellent care of your insurance needs, too.

How can Wolverine Mutual help me save money on my insurance?

Wolverine Mutual offers many discounts on its policies that will help you save money. For example, if you insure both your home and auto with us, you can receive a significant discount on both policies. You can get similar multi-policy discounts when you insure your watercraft or motorcycle and home with us. You may qualify for other discounts based on your age, location, driving record, age of your home, credit score, etc. Increasing your deductible is an easy way to reduce your premium, too. Your agent will work with you to get the lowest premium rate possible for the coverage you need.


What billing options are available?
  • Full Pay Plan – you pay the whole policy premium at the time you start your new policy or renewal term
  • Monthly EFT – a monthly installment payment will be drawn automatically from your designated checking or savings account
  • Bi-monthly Check Plan – you make a payment every other month by check
  • Quarterly Check Plan- you make a payment every three months by check
  • Bi-monthly Credit Card Plan – a recurring charge will be applied every other month to your credit/debit card
  • Quarterly Credit Card Plan – a recurring charge will be applied every three months to your credit/debit card
What forms of payment do you accept?

You can:

  • Mail your payment in the remittance envelope
  • Pay online via our website at
  • Phone in a credit/debit card payment
  • Set up a recurring payment plan
  • Drop off your payment at your agent's office. We recommend you contact your agent prior to dropping it off to make sure they provide that service.

For more in-depth information, visit our Billing Options page.

What telephone number should I use to make a premium payment?

Phone: (269) 782-3451, option 3; (800) 733-3320, option 3

Can I pay by phone using my checking account and routing number?

No, that payment method is not available at this time.

What credit or debit cards do you accept?

We accept Visa, MasterCard and Discover. 

May I combine more than one policy into a single billing plan?

No, that is not available at this time.

May I change my billing plan at any time?

You can change your billing plan at any time. However, when you receive your bill you must pay it under the current plan. For example, if you are on a bi-monthly check plan and want to switch to Electronic Fund Transfer (EFT), you can make the change by contacting your agent and completing our EFT/Credit Card Authorization form (see below) or by emailing the form directly to us at This email address is being protected from spambots. You need JavaScript enabled to view it.. However, you will need to pay your current premium as originally billed. Your new payment plan will go into effect with the next billing.


EFT/Credit Card Authorization Form PDF

What fees will I pay?
  • Online payment: no service fee
  • Full Pay Plan: no service fee
  • Monthly EFT Plan Service Fee: $1 for each installment
  • Installment Service Fee: $8 for all non-EFT installment plans
  • Convenience Fee: $6 for credit/debit card payments processed over the phone
  • Late Fee: $20; this fee is not applied until your bill is past due two full days
  • Reinstatement Fee: $20 if your policy cancels and your reinstatement is accepted
  • Non-sufficient Funds Fee: $30; applies to checks, EFT and recurring credit/debit plans
Why do I pay a MCCA fee in Michigan?

Michigan auto and motorcycle insurance companies are assessed an annual fee to fund the Michigan Catastrophic Claims Association (MCAA). The Michigan Legislature formed this non-profit, unincorporated association in 1978 as part of the State’s unique No-Fault insurance law. The MCAA provides unlimited lifetime coverage for medical expenses incurred in severe personal injury cases. This fee is adjusted each July based on the MCAA’s profit/loss evaluation. This fee is absorbed in your premiums.

Is paying by credit or debit card or EFT secure?

Yes. Wolverine Mutual protects your bank and credit/debit information for all online and recurring payment plans. The information is encrypted into our system and no one has access to it. We protect your banking and credit card information to remain in compliance with banking standards. 

Who do I contact to discuss payment options, billing questions or payment status?

You can contact our accounting department Monday-Friday, 8:00 a.m. to 4:30 p.m. (Eastern Time), excluding holidays:

Phone: (269) 782-3451, option 3 or (800) 733-3320, option 3

Fax: (888) 298-4516

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Proudly saying “It’s covered” since 1917.

Most days go well. Then it happens. An accident. Nasty weather. A fire. A break in. Suddenly you need financial help to repair or replace what’s been damaged or lost.

For over 100 years, Wolverine Mutual Insurance Company has proudly told our policyholders that “it’s covered” when they need that assurance the most. Through a conservative stewardship of our policyholders’ money, personal property insurance policies that are written to truly protect what they own and a company-wide compassion during tough times, we’ve built a family of customers, agents and employees that have spanned generations. Our legacy of longevity has helped tens of thousands of people in Michigan, Indiana and Wisconsin feel more secure and we hope you’ll be part of our story over the next 100 years, too.


Wolverine’s Claim Service Earns Top-Three Ranking

Every two years, the Michigan Association of Insurance Agencies (MAIA) asks its member agencies to rank their carriers in their Agent Survey of Companies.

In the most recent 2018 survey, Wolverine followed up their first-place ranking in 2016 with a top-three ranking in Claims Handling in Personal Lines. This consistently high grade from our agents underscores the importance we place on providing fast, fair and responsive claim service to our valuable policyholders. You can count on our commitment to deliver an excellent claims experience.

sofaWe can help you ...

  • Get a quote - When you need better coverage and service, click here.
  • Pay your bill - We offer easy payment to fit your budget and time. Click here.
  • Make a claim - Have a claim? For a quick response, click here.


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