Frequently Asked Questions

Where do you provide insurance?

Badger Mutual provides home, auto, and commercial insurance in Wisconsin, Illinois, Minnesota, Michigan (no auto), Arizona, Nevada, and Iowa.

How do I obtain a policy with Badger Mutual?

All of our policies are quoted and submitted using independent agents. Select “Find An Agent” and enter your zip code. You will be provided with our independent agents that are located around your area. Give any of them a call to receive a quote with Badger.

How do I contact my agent?

To contact your agent, you may give our home office a call at (800) 837-7833 or (414) 383-1234 to obtain your agent’s contact information. You may also select “Find An Agent” and find your agent’s contact information from there. In addition, your agent’s contact information is located at the top of your declaration pages.

I started driving for Uber/Lyft. How do I get insurance for this?

We do not offer coverage or supplemental coverage while you are driving for Transportation Network Companies like Uber and Lyft. Contact Uber or Lyft for further information on the coverage they provide to their drivers.

I am an agent, and I want to represent Badger. Who do I contact?

You will want to reach out to a specific field representative, depending on the location of your agency. Give our home office a call at (800) 837-7833 or (414) 383-1234, and our receptionists will direct you to the correct individual.

How do I get an insurance quote from Badger Mutual?

1. Enter your address or zip code in our “Find An Agent” tool located on our homepage.
2. A map of nearby agencies will generate based on your location.
3. Select an agency’s red pin on the map to obtain their contact information and give them a call.

My policy canceled! How can I resume my coverage?

Contact your agent or our home office for more details on policy reinstatement.

I do not remember my policy number. What do I do?

Please contact us at (800) 837-7833 or (414) 383-1234 and let us know the type of policy for which you are calling. Our receptionists will then transfer your call to the appropriate department to verify your policy number.

How do I change my bank account information for EFT?

Fill out the EFT Form and email it to accounts@badgermutual.com or fax it to (414) 383-4339.

My payment is late, what do I do?

All late payments must be reviewed for approval by our staff. Please call (800) 837-7833 or (414) 383-1234 and ask for the Accounts Department.

What are the different ways I can pay my bill?

There are a few payment options available. Online payments can be made with a credit card or electronic check here: Make a Payment. You can also make an electronic check payment over the phone by calling the Accounts Department at (800) 837-7833 or (414) 383-1234. Payment may also be mailed to Badger Mutual Insurance, PO Box 2985 Milwaukee, WI 53201.

Can I pay over the phone?

Electronic check payment can be made over the phone by calling the Accounts Department at (800) 837-7833 or (414) 383-1234. The bank routing and checking/savings account numbers are needed to complete the payment.

How much do I owe?

You may create an account at our Policyholder Portal and view your most recent statements and activity. You may also call the Accounts Department at (800) 837-7833 or (414) 383-1234.

Will I get a refund after I cancel my policy?

Any unused premium will be refunded by check in 7 to 10 business days. This may not apply to Commercial policies. Please call our Accounts Department at (800) 837-7833 or (414) 383-1234 for further information.

Have you received my premium?

You can check your payment status on your online account at our Policyholder Portal. (For information on how to set up an online account, go to the Online Account Information of our FAQ).  Alternatively, you can contact our home office at (800) 837-7833 or (414) 383-1234 and ask for the Accounts Department.

What can I schedule on my homeowners or rental policy?

The following types of personal property can be scheduled to your Homeowner’s, Renters, or Condo-Unit Owners policy: Cameras (non-professional), Coin Collections, Fine Arts, Furs, Golfers’ Equipment, Guns, Jewelry, Musical Instruments (Non-Professional), Silverware, and Stamp Collections. Additionally, watercraft and recreational motor vehicles can be added, subject to certain limitations.

Does my insurance cover rental cars?

Your personal auto policy will cover a rental vehicle when used as a temporary substitute for personal use and operated by you. The coverage that transfers to the rental vehicle will reflect the current coverages on your auto policy. If your auto policy only has liability coverage, then your rental vehicle will only have liability coverage. If at least one vehicle on your auto policy has full coverage (liability, comprehensive, and collision), those coverages will transfer to your rental vehicle, and your rental vehicle will have full coverage. If you have additional questions, call us at (800) 837-7833 or (414) 383-1234 and ask to speak to a Personal Lines Underwriter or contact your agent.

If I rent a car, do I need to purchase additional insurance from the car rental company?

If you only have liability insurance on your own auto policy, you may want to purchase additional insurance for comprehensive and collision from the rental company. In addition, the rental company may have additional coverages not available under the Badger Mutual policy. Also, your credit card company may extend certain benefits that extend to the rental agreement. If you have any questions, contact your agent.

How can I receive a copy of my policy?

Call us at (800) 837-7833 or (414) 383-1234 and ask to speak to Personal Lines Customer Service. Our customer service representatives will be able to send you a copy of your policy. You may also find your policy online through your online account or by contacting your agent.

I am an Arizona automobile policyholder; where would I find the ADOT code necessary to update my policy?

Badger Mutual’s ADOT code is 1280.  This code is located on the insurance cards you receive at new business, renewal, and on-demand by phone request or when you create an online account at our Policyholder Portal.

How do I send photo documentation that repairs on my house have been completed?

Photo documentation for required repairs can be emailed to personallines@badgermutual.com. Please include your policy number in the subject line of the email. Alternatively, your agent may be able to assist in sending us photo documentation of the required improvements.

 I currently have an auto policy with Badger. How do I get a renter or homeowner policy?

Contact your agent and inform them you would like a renters or homeowners policy with Badger Mutual. They will get your information and give you a quote. If you cannot remember who your agent is, call us at (800) 837-7833 or (414) 383-1234, and we can look up your agent based on your existing policy.

 How do I cancel my insurance policy?

If you need to cancel your insurance policy, please contact us at (800) 837-7833 or (414) 383-1234 and ask to speak with a Personal Lines Underwriter. Alternatively, you can contact your agent, who will have you sign a cancellation request and forward it to us for processing.

What are the billing options for my personal lines insurance policy?

Badger Mutual offers 5 billing options for your Personal Lines policy.

 Full Pay Plan – Annual or Semi-Annual premium is paid in full.

Two Pay Plan – Annual or Semi-Annual premium is paid in two equal installments (a $7 service charge is added to the second installment).

Three Pay Plan – Annual or Semi-Annual premium is paid in three equal installments (a $7 service charge is added to the second and third installments).

Monthly Electronic Funds Transfer (EFT) – Your Annual or Semi-Annual premium will be divided into monthly installments and will be pulled from your checking or savings account via EFT on the day of your choice each month. (There is no installment fee for this option).

Mortgage Bill – We bill your mortgage company for your annual premium payment. (This option applies only to Homeowner, Dwelling Fire, and Condo-Unit Owners policies).

What are the billing options for my commercial lines insurance policy?

Badger Mutual offers 6 billing options for your Commercial Lines policy.

Full Pay Plan – Annual premium is paid in full.

Two Pay Plan – Annual premium is paid in two equal installments (a $10 service charge is added to the second installment).

Three Pay Plan – Annual premium is paid in three equal installments (a $10 service charge is added to the second and third installments).

Five Pay Plan – Annual premium is paid in 5 equal installments (a $10 service charge is added to the four installments following the initial payment).

Monthly Electronic Funds Transfer (EFT) – Your annual premium will be divided into monthly installments and will be pulled from your checking or savings account via EFT on the day of your choice each month.  (There is no installment fee for this option).

Mortgage Bill – We bill your mortgage company for your annual premium payment.

I have Roadside Assistance Plus. What is it, and how do I use it?

Roadside Assistance Plus is an additional service that covers towing services, jump-starts, lockout service, flat tire changes, fuel delivery of five gallons, and increased expenses for lodging away from home due to a covered accident (when more than 100 miles away from home). This is a reimbursement program that is provided for an additional premium. If you have this coverage, receipts can be emailed to claims@badgermutual.com for payment. We do not contract with any specific companies for this service. If you have any other questions or would like to add this to your policy, please call us at (800) 837-7833 or (414) 383-1234 or contact your agent.

My windshield is chipped. What do I do?

For assistance, you may contact Safelite Solutions direct at (866) 223-4371 or Badger Mutual’s Claim office at (800) 837-7833 or (414) 383-1234.

I have had a loss or accident; what do I do?

Several options are available to make the reporting process as convenient as possible:

• Contact Badger Mutual direct at (800) 837-7833 or (414) 383-1234
• Contact your independent agent
• Online at Report a Claim

The Badger Mutual Claims staff will be able to provide you with direction for your specific claim situation. For property damage claims, we encourage you to take photographs and contact a local qualified restoration company to prevent further damage (repair pipes, tarp roofs, and emergency water mitigation).

After I have filed a claim, what happens next?

Your adjuster will guide you through the steps of the claim process based on the type of claim you have suffered. Depending on the claims situation, we may ask that you obtain damage estimates or complete paperwork to review your claim. In some cases, a local field adjuster or independent adjuster may be assigned to inspect the premises with you and/or your contractor.

How do I create an online account on badgermutual.com?

1. Visit our Policyholder Portal
2. Click on “Policy” in the top menu
3. Click the red Login button.  From here, you can either log in or create an account if you have not already done so.

My password is not working for my account. How do I reset my password for my online account?

1. Visit our Policyholder Portal
2. Click on “Policy” in the top menu
3. Click the red Login button.  At the bottom of the box, select “Forgot Username/Password”

I remember the password for my online account, but I want to change it. How do I change my password?

1. Visit our Policyholder Portal
2. Click on “Settings” in the top menu
3. Select “Change Password” from the horizontal navigation bar below our logo and enter your new password.

How do I view my insurance documents online, such as my declaration page, bill, or renewal package?

1. Visit our Policyholder Portal
2. Click on “Policy” in the top menu
3. Here you will find your policies that you can click on to view more information

I have both auto and home policies with Badger. How do I add a second policy to my Badger Mutual Online Account?

1. Visit our Policyholder Portal
2. Click on “Settings” in the top menu
3. Select “Link Policies to Account” in the horizontal navigation bar below our logo

I want to make a payment online. How do I do this?

1. Visit our Policyholder Portal
2. Click on the red “Pay My Bill” button at the top right of the page
3. Click the red “Pay Online” button

How do I print my ID cards or get proof of insurance?

1. Visit our Policyholder Portal
2. Click on the red “Auto ID Cards” button at the top right of the page