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The Pioneer Advantage

Pioneer State Mutual Insurance Company was started as a way for local farmers to protect each other from bearing catastrophic losses alone. That principle is at the core of how we still do business today. Locate an Agent for a Quote

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(810) 600-3555 • 24/7
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(800) 837-7674
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General Inquiries
(810) 733-2300
M-Th: 7:30am - 4:30pm
F: 7:00am - 1:30pm
1510 N. Elms Road
Flint, MI 48532
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Pioneer Customers Speak Out

  • How is a Mutual Company different from a Stock Company?

    Mutual insurance companies are owned by their policyholders and cannot raise capital with the sale of stock. Mutual companies must save reserves for policyholder protection with more conservative financial practices. This ultimately means mutual companies take less risk with the premiums you pay for your insurance.

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  • Benefits of the Independent Agent Model

    Pioneer State Mutual Insurance Company has always distributed our products through the “Independent Agent Model.” Independent Agent means they offer / sell insurance products for more than one company. We believe in the Independent Agent Model because it gives a policyholder a personal consultant and a choice of companies to place their business with. The agents we choose to do business with are qualified Michigan residents living in your community and will offer you valuable risk management advice regarding all of your coverage needs.

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  • 100+ Years Strong

    Pioneer State Mutual Insurance Company celebrated its centennial in 2008. During the last one-hundred plus years, we have made our mark both in the insurance industry and in our community. Check out the timeline on our History page to see where we’ve been, how we’ve changed and how we’ve held tightly to the principles that inspired a group of farmers to form this company for the benefit of their community.

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