Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Aug 20, 2020
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Company History: The Windsor-Mount Joy Mutual Insurance Company established itself as an insurance business in 1844 in Mount Joy, PA. It is the successor of two Pennsylvania-based insurance companies that merged in 1963. Windsor-Mount Joy began by selling fire insurance, and today provides niche property and homeowners insurance policies for seasonal dwellings, marine properties, homeowners insurance products, and more.
Principle Sales Methods: Policies are sold through about 200 independent agencies, 5 brokers and 3 general agents. Two of the general agents focus on automobile physical damage insurance and the third sells primarily policies for manufactured housing. Windsor-Mount Joy also has an exclusive general agency agreement with an agency owned by the company’s chairman. The general agency sells insurance, underwrites risks, and provides technical and marketing services. In 2005, 55% of business was homeowner’s multi peril, 9.7% ocean marine, 8.6% auto physical damage, 8.6% fire, 5.7% allied lines, 12.4% all other lines. Virginia accounted for 30.0% of business in 2005, Pennsylvania 25%, and Delaware 19%.
Auto Business: Auto physical damage coverage accounts for about 9% of Windsor-Mount Joy’s business.
Homeowners Business: Windsor homeowners insurance accounts for more than half of Windsor-Mount Joy’s business, and many of the home insurance policies are for manufactured homes and seasonal properties.