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Scheduled Website Maintenance

The Pioneer State Mutual website will undergo scheduled maintenance on Saturday April 26, 2014  from 5:00 am to 9:00 am. During this time you may experience difficulty accessing psmic.com, including the make a payment, EFT enrollment and filing a claim functions.

For your convenience, the following automated phone systems will remain active during this time:

• EZpay Phone Service (may be utilized to make a payment): 1-866-888-3972
• After Hours Claims Reporting: 1-800-837-7674

We apologize for any inconveniences this may cause.

Insurance Basics

Insurance is complicated. Pioneer can help break it down. Below are several helpful links and articles that can deliver a better understanding of how insurance works. Locate an Agent for a Quote
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Flint, MI 48532
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Pioneer Customers Speak Out

Helping our Neighbors

There are some catastrophes that would simply be impossible to bear alone. From house fires to weather damage to car crashes, these tragedies can cause financial and physical difficulties that can dramatically impact a person’s life. That’s where insurance steps in.

Insurance is a social mechanism designed to give people peace of mind in the face of risk and spread the burden of an individual’s catastrophic loss across a group of people. Without it, victims of disasters and accidents are often left struggling to pick up the pieces and start over. However, with insurance, we can work together to help our neighbors bounce back after a catastrophe and return to their daily lives. Then, if the day comes when we find ourselves facing a disaster, we too have the help and resources available to get our lives back to normal.

Our goal at Pioneer State Mutual Insurance is to make a difference across Michigan by preventing individuals from needing to carry the weight of a tragedy alone. That’s why we focus on offering an array of coverage options, giving you the assurance you need that if disaster does strike, we’ll be here to help. Pioneer's products are sold through Independent Insurance Agents across the state. Visit our Agency Locator map for one near you.



Insurance 101 FAQs

General FAQs

  • How is my Insurance Rate determined?
  • What is an Insurance Score?
  • What is a deductible?
  • Can having a higher deductible make my payment more affordable?
  • What do I risk if I don’t accurately disclose my information to my Independent Insurance Agent?
    (ex: if I am not honest about the number of drivers in my household , not disclosing traffic tickets, not reporting my home based business & etc.)?
  • How long is my policy in-force?
  • How do I check what insurance coverages I currently have?

Homeowners FAQs

  • What is the Paid Loss Surcharge, and how could this impact the cost of my premium?
  • What is the difference between Market Value and Replacement Cost?
  • Can I get insurance coverage for my home electronics, mechanical equipment and major appliances?
  • What is the “Backup of Sewers or Drains” endorsement? Do I need this if I already have Homeowners insurance?
  • Can I purchase Flood Insurance from Pioneer State Mutual?
  • What is Inland Marine? Should I have this coverage for any of my personal belongings?
  • How do I know what my jewelry would be replaced for if it was damaged or lost (Actual Cash Value vs. Replacement Cost)?
  • I live in a Condo where the Association has insurance; do I need my own?
  • I’m renting and my roommate has insurance; do I need my own?
  • Does a college student need insurance for his/her belongings while away at college?

Personal Auto FAQs

  • Do I have to buy auto insurance?
  • What is “No Fault Auto Insurance?”
  • What is Personal Injury Protection (PIP)?
  • What is the difference between Collision and Comprehensive coverage?



Helpful Links



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