Our History

Western Mutual Insurance Group is an American group of Property and Casualty Insurance companies made up of Western Mutual Insurance Company, its sister Company Residence Mutual Insurance Company, and its subsidiary Arizona Home Insurance Company. Based in Irvine, CA, the group writes direct property and casualty insurance in Arizona, California, Colorado, New Mexico, Nevada, Utah, and Texas for preferred homeowners. The Western Mutual Insurance Group has a financial strength rating of 'A+' (Superior) by A.M. Best, a Nationally Recognized Statistical Rating Organization (NRSRO) by the United States Securities and Exchange Commission. For six consecutive years, Ward Group has named Western Mutual Insurance Group to its Ward's 50 list of top performing property and casualty insurance companies.

Western Mutual was incorporated under the laws of California on March 7, 1942 as a county mutual fire insurer with the title Coast Mutual Fire Insurance Company of Los Angeles County. It commenced business on April 30, 1942. Residence Mutual Insurance Company was founded in 1949. On June 27, 1973 amended articles of incorporation changed the form of operation to that of a general mutual insurance company with multiple line authority and the present title of Western Mutual was adopted. The group expanded from California to writing insurance in Nevada and Colorado in 2002. In 2005, Arizona Home Insurance Company was purchased and incorporated into the group, writing policies solely in Arizona while the group continued to expand into Utah and New Mexico. The group began writing new construction home business in Texas with its builder agents in 2007.


Western Mutual Insurance Group Was Founded


Residence Mutual Insurance Company Was Founded


Arizona Home Insurance Company Was Founded


Began Writing Business in NV & CO


Began Writing Business in UT & NM


Began Writing Business in TX

Western Mutual Insurance Company

Western Mutual Insurance Company is the insurance carrier for our homeowners located in Nevada, Colorado, New Mexico, Utah, and Texas. Depending on the state, we offer Homeowners, Seasonal, Earthquake and Flood coverage. If you are interested in a quote or would like to know what coverages are available, please click in the desired state above or call us at 877-968-8825.

Residence Mutual Insurance Company

Residence Mutual Insurance Company is the designated insurance carrier for our California homeowners. In this state, we offer Homeowners, Condominium, Seasonal, Landlord, Earthquake, and Flood coverage. Be advised that we can only write the Homeowners and Condominium policies as a stand-alone policy. All the other types of insurance require us to first insure your primary residence. For more details or to get a quote, please give us a call at 877-968-8825 or visit us at www.residencemutual.com.

Arizona Home Insurance Company

Arizona Home Insurance Company is the designated insurance carrier for our Arizona homeowners. In this state, we offer Homeowners, Seasonal, and Landlord coverage. Be advised that we are able to insure your rental or seasonal properties with your primary residence or as a stand-alone policy. For more details or to get a quote, please give us a call at 800-696-7221 or visit us at www.arizonahomeinsurance.com.