Lightning Rod Mutual Insurance Company, Ohio: Overview, Contacts, Services, Finances, Coverage, Claims, Compliance, Renewal & Cancellations, Reviews

Lightning Rod Mutual Insurance Company: A Trusted Partner for Your Insurance Needs.

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Trust in our commitment to financial stability.

Looking for dependable and budget-friendly insurance in Ohio?

Consider Lightning Rod Mutual Insurance Company (LRM).

As part of the Western Reserve Group, operating exclusively through independent agents in Ohio and Indiana, LRM stands as a reliable choice.

In this blog post, we present an overview of LRM’s.

History, services, products, financials, coverage details, claims, legal and compliance, renewals and cancellations, company culture, and customer experiences.

Hence, aiding you in making an informed decision about selecting LRM as your insurance partner.

Company Overview

Established in 1906 as The Lightning Rod Mutual Fire Protective Association, LRM initially focused on providing fire insurance to rural Ohioans with lightning rods on their properties.

Over time, LRM diversified its offerings to include auto, home, farm, and business insurance.

In 2022, LRM became a subsidiary of WRG Mutual Insurance Holding Company, the mutual holding company that owns the Western Reserve Group.

Headquartered in Wooster, Ohio, LRM operates through a network of over 3,500 independent agents across 650 locations in Ohio and Indiana. A.M.

Best rates LRM as A (Excellent), with a market share of approximately 0.5% in Ohio and 0.1% in Indiana.

LRM boasts over 58,000 policyholders, $40 million in direct written premiums, and is led by CEO Kevin Day, along with John Crum, Mark De Matteis, and David Eshelman in key leadership roles.

Contact Information

For your convenience, here are some essential details about LRM:

Category Information
Phone Number (330) 262-9060
Address 2865 Benden Dr, Wooster, OH, 44691
Customer Service Email
Policy Access Log in to your account at
General Email
Fax Number (330) 262-2329
Operating Hours Monday to Friday, 8:00 AM to 5:00 PM

Services & Products

LRM provides a diverse range of property and casualty insurance products for individuals, families, businesses, and farms.

Some key insurance types offered include:

  1. Auto Insurance: Comprehensive coverage for personal or commercial vehicles with various discounts available.
  2. Home Insurance: Protection for homes and personal property with discounts for specific features.
  3. Life Insurance: Term life insurance with flexible terms and affordable rates, along with optional riders.
  4. Farm Insurance: Coverage for farm and ranch operations, including specialized options for livestock, crops, and more.

LRM also offers bundled services, such as:

LRM extends its coverage internationally for personal or commercial vehicles in Canada or Mexico.

Short-term policies are available for home, life, or farm insurance to meet specific needs like vacations, renovations, or special events.

Financial Details

Lightning Rod Mutual Insurance Company keeps its insurance products budget-friendly and competitive, with premium costs varying based on coverage, deductible, and other factors.

Easily obtain a free quote online at or through a local agent.

Payment options are flexible, including monthly, quarterly, semi-annually, or annually, with online, mail, phone, or automatic withdrawal from your bank account.

LRM sweetens the deal with discounts like:

  • Multi-Policy Discount: Save on multiple policies like home and auto, or farm and home.
  • Loyalty Discount: Enjoy a discount after three years of being an LRM policyholder.
  • Early Bird Discount: Renew before the expiration date for additional savings.
  • Paperless Discount: Opt for electronic delivery of policy documents and bills for extra savings.

Coverage Details

Lightning Rod Mutual Insurance Company provides comprehensive and adaptable coverage for its insurance products, tailored to your specific needs. Key coverage details include:

  • Policy Exclusions: Find exclusions, such as intentional acts, war, nuclear hazards, wear and tear, and government actions, in your policy documents or by contacting your agent.
  • Coverage Limits: Set your maximum coverage amounts for liability, property, medical payments, and uninsured/underinsured motorist based on your needs and budget.
  • Add-ons or Riders: Customize your policy with optional coverages like identity theft, water backup, personal injury, accidental death, disability waiver, and child term for an additional premium.


The claim process involves:

  • Report Your Claim: Log in at, call (800) 362-0426, or mail a claim form to P.O. Box 36, Wooster, OH, 44691. Report your claim promptly with essential information like policy number, date and time of loss, location of loss, description of loss, and contact details.
  • Required Documents for Claims: Depending on the loss, provide necessary documents such as a police report, photos, receipts, estimates, invoices, and medical records.
  • Average Claim Approval Time: LRM aims for a quick and fair claim approval process, with the timeline varying based on claim type and complexity. Receive timely notifications on your claim status and payment amount.

Legal & Compliance

LRM is dedicated to safeguarding your privacy and adhering to applicable laws and regulations in the states it operates.

Some of the legal and compliance aspects followed by LRM include:

  • Privacy Policy:

LRM’s privacy policy details the collection, usage, sharing, and protection of personal information.

This includes data like names, addresses, phone numbers, email addresses, social security numbers, driver’s license numbers, credit card numbers, and claim histories.

Access the privacy policy at [] or request a copy from your agent.

Opt-out of marketing communications by contacting LRM at (800) 362-0426 or mailing a request to P.O. Box 36, Wooster, OH, 44691.

  • Terms and Conditions:

LRM’s terms and conditions outline the rules governing your use of LRM’s website, online services, and mobile applications.

Access the terms and conditions at [] or request a copy from your agent.

By using LRM’s services, you agree to abide by these terms and conditions, covering aspects like disclaimers, limitations of liability, indemnification, arbitration, and governing law.

  • Licensing:

LRM is licensed to sell insurance products in Ohio and Indiana, regulated by the Ohio Department of Insurance and the Indiana Department of Insurance.

Verify LRM’s license status and check its complaint history at [] or [], or call (800) 686-1526 or (800) 622-4461.

File a complaint against LRM with the respective state insurance department if dissatisfied with LRM’s products or services.

Renewals & Cancellations

LRM simplifies policy renewal and cancellation, offering flexibility through online, phone, or mail processes.

The customer-friendly renewal and cancellation policy includes:

Receive a renewal notice at least 30 days before your policy expiration date, outlining renewal premium, coverage, and payment options.

Renew online at [], by calling (800) 362-0426, or by mailing a payment to P.O. Box 36, Wooster, OH, 44691.

Make policy changes by contacting your agent. Non-renewal by the expiration date results in policy lapse and loss of coverage.

To stop your policy, talk to your agent, call (800) 362-0426, or send a letter to P.O. Box 36, Wooster, OH, 44691.

Tell them your policy number, when you want to stop, and why. LRM gives back the money you paid but did not use, taking out $25, in 10 days after getting your letter.

LRM can stop your policy if you do not pay, lie, cheat, or break the rules.

They will send you a letter 10 days before they stop your policy, telling you why and how much money they will give back, if any.

  • Grace Periods:

LRM offers a 10-day grace period for premium payments, allowing payment within this period without losing coverage.

Late fees of $10 may apply, and policy cancellation may occur if the premium is not paid within the grace period.

Company Culture

LRM promotes a positive and supportive company culture based on core values of integrity, excellence, innovation, teamwork, and customer focus.

Demonstrations of LRM’s company culture include:

Customer Experiences

Lightning Rod Mutual Insurance Company keeps its customers happy and loyal, because it cares about giving them good products and services.

The company has few complaints, which shows that it can solve customer problems well.

Also, LRM gets many referrals, which means that its customers trust it and recommend it to others.


How do I find a local agent?

You can locate a nearby agent by visiting [] and selecting the “Find an Agent” option.

Easily search for an agent by zip code, city, county, or name.

Access the agent’s profile, contact information, and directions for added convenience.


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