Ellington Mutual Insurance
Wisconsin-based mutual property and casualty insurer, operating as a division of Homestead Mutual Insurance, distributing homeowners, renters, landlord, farm, country estate, seasonal, small business, and umbrella coverages exclusively through independent agents across Wisconsin.
- Company typePrivate
- Founded1879
- HeadquartersHortonville, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Ellington Mutual Insurance does
Ellington Mutual Insurance is a Wisconsin-based mutual property and casualty insurer operating exclusively within the state. It is structured as a division of Homestead Mutual Insurance and maintains an affiliated relationship with Mutual of Wausau, embedding it within a cluster of Wisconsin mutual carriers. The company traces its origins to approximately 1879, giving it 145+ years of continuous operating history in the region.
The company underwrites and distributes a multi-line personal and small commercial property book, including homeowners, renters, landlord, farm, country estate, seasonal property, small business, and umbrella coverages. Distribution is conducted entirely through independent insurance agents across Wisconsin, with no direct-to-consumer channel. The mutual structure means policyholders are the owners of the company, aligning governance with the long-term interests of the insured base rather than external shareholders.
Operationally, Ellington Mutual relocated its office to Neenah, Wisconsin on August 5, 2024, consolidating its physical presence. Revenue is generated through insurance premiums on the multi-line book, with profitability dependent on Wisconsin-specific underwriting results, weather and agricultural cycles, and the productivity of the independent agent channel. No public financials, headcount data, AI/ML capabilities, or external funding activity are disclosed in the available input.
Ellington Mutual Insurance firmographics
Firmographics- Name
- Ellington Mutual Insurance
- Legal name
- Ellington Mutual Insurance a division of Homestead Mutual Insurance
- Website
- https://ellingtonmutual.com
- Company type
- Private
- Founded year
- 1879
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Wisconsin-based mutual property and casualty insurer, operating as a division of Homestead Mutual Insurance, distributing homeowners, renters, landlord, farm, country estate, seasonal, small business, and umbrella coverages exclusively through independent agents across Wisconsin.
- Ownership category
- akta.pro rank
Ellington Mutual Insurance industry classification
Industry- Product category
- Property and Casualty Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Homeowners Insurance (FSAJACAA)
- akta.pro secondary industries
- Renters Insurance (FSAJACAB), Mixed-Use / Commercial Condominium BOP (FSAJAFAO), Standalone Umbrella Liability (FSAJANAE)
Keywords
Where Ellington Mutual Insurance is headquartered
LocationHeadquarters
- HQ city
- Hortonville
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Ellington Mutual Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Premiums: Ellington Mutual Insurance generates revenue through insurance premium payments from policyholders. Premiums are collected for various coverage types including homeowners, renters, landlord, farm, small business, umbrella, and seasonal property insurance. The company offers premium discounts for qualifying credit and auto-home package bundling.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Quote-based insurance policies determined by individual assessment |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels4 records
Ellington Mutual Insurance product offering
Product offeringCore offering
Ellington Mutual Insurance underwrites and sells property and casualty insurance policies to Wisconsin residents, including homeowners, renters, landlord, seasonal property, country estate, farm, hobby farm, small business, and umbrella coverage. All policies are issued by Ellington Mutual and distributed exclusively through a network of independent insurance agents located throughout Wisconsin. The company is a division of Homestead Mutual Insurance and is affiliated with Mutual of Wausau.
Product overview
Ellington Mutual Insurance offers a comprehensive portfolio of property and casualty insurance products designed for Wisconsin residents. The core offerings center on personal lines insurance including Homeowners, Renters, Landlord, and Seasonal Property Insurance, complemented by specialized Farm & Ag insurance products (Farm Insurance, Country Estate Insurance, Hobby Farm Insurance) and Small Business Insurance. The company operates as a subsidiary of Homestead Mutual Insurance and is affiliated with Mutual of Wausau. Add-on modules include Umbrella Insurance (extending liability coverage up to $2 million), Equipment Breakdown Coverage, and Buried Utility Line Coverage that can be attached to existing policies. All products are distributed through a network of independent insurance agents.
Differentiator
Problem solved
Functional benefit
Products and services
- Homeowners Insurance Primary insurance coverage for residential homes protecting against storm, hail, and tornado damage with broad, special property, and personal liability coverage options for Wisconsin homeowners.
- Renters Insurance Coverage for tenant personal belongings and personal liability up to $1 million, protecting against theft, vandalism, and damage whether belongings are on or off the rental property, plus living expense coverage if the rental becomes unlivable.
- Landlord Insurance Building insurance for rental properties including apartments, condos, single-family homes, and multi-unit homes, covering physical structure damage, tenant-injury liability, and loss of rental income.
- Farm Insurance Comprehensive coverage for commercial farm operations, equipment, buildings, livestock, and farm vehicles, with optional farm liability coverage including milk contamination and pollution liability during custom farming. Also includes hobby farm coverage for minimal acreage, non-revenue-generating rural properties.
- Country Estate Insurance Insurance for rural properties where the owner does not actively farm, covering barns, silos, sheds, farm equipment, and personal property including recreational vehicles, jewelry, fine art, and firearms.
- Small Business Insurance Package policies including the Artisan Program for contractors, Business Owners Program for retail, service, and habitational businesses, and Home-Based Business Insurance, combining property and liability coverage sized for small Wisconsin businesses.
- Umbrella Insurance Additional liability coverage that extends protection up to $2,000,000 when added to an existing Ellington policy, covering scenarios such as at-fault auto accidents, false arrest, dog-related injuries, and slander.
- Seasonal Property Insurance Coverage for vacation properties and second homes including cabins, lake homes, cottages, and condos, with Named Peril Coverage and optional replacement cost coverage for properties not used as a primary residence.
Companies that use Ellington Mutual Insurance
Customer profileSegments7 records
Ideal customer profiles5 records
Ellington Mutual Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Ellington Mutual Insurance partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Mutual of WausaucoreMutual of Wausau is one of two traditional companies affiliated with Ellington Mutual Insurance. The affiliation provides additional stability and resources, and Ellington innovates through this partnership with traditional mutual insurance companies.
- Homestead MutualcoreHomestead Mutual Insurance is the parent organization of Ellington Mutual Insurance. Ellington operates as a division of Homestead Mutual. The affiliation provides combined resources and expanded staff capabilities, enabling better service delivery and more efficient operations.
Scale indicators2 records
Recent moves5 records
Expansion highlights3 records
Ellington Mutual Insurance competitors and assessment
Company assessmentDirect peers
- Homestead Mutual Insurance: Parent company of Ellington Mutual Insurance; also a Wisconsin-based mutual P&C carrier with overlapping homeowners, farm, and personal-lines products distributed through independent agents in the same geography.
- Mutual of Wausau: Affiliated mutual insurance company in Wisconsin with similar property/casualty product mix and independent-agent distribution; directly comparable in geography, structure, and target customer base.
- Acuity Insurance: Wisconsin-based mutual P&C carrier offering homeowners, farm, business, and auto coverage through independent agents - a closely comparable mutual competitor in the same regional market.
- Rural Mutual Insurance: Wisconsin-based mutual insurer with strong farm and agricultural product emphasis distributed through independent agents - the closest direct competitor in the farm/rural niche Ellington targets.
- West Bend Mutual Insurance: Midwest-based mutual P&C carrier offering personal and commercial lines through independent agents; comparable mutual structure, agent-led distribution, and personal-lines-heavy book.
- Badger Mutual Insurance: Wisconsin-based mutual insurance carrier selling personal and commercial property coverage through independent agents - directly comparable regional mutual peer.
Broad incumbents
- American Family Insurance: Wisconsin-headquartered national P&C carrier with broad homeowners, farm, auto, and commercial offerings through captive and independent agents; much larger scale but same regional origin and overlapping product set.
- Erie Insurance: Regional mutual P&C insurer selling through exclusive agency distribution in the Midwest and Mid-Atlantic - comparable mutual structure, agent-led model, and personal/commercial product mix at greater scale.
- Auto-Owners Insurance: Mutual P&C carrier with a national independent-agent distribution model and strong personal-property and small-commercial product mix - comparable mutual economics and channel strategy at significantly larger scale.
- COUNTRY Financial: Midwest-focused mutual financial services group with strong farm, ag, and rural property coverage sold through captive agents - directly comparable in farm/rural insurance positioning and Midwest footprint.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Ellington Mutual Insurance social profiles
Digital presenceEllington Mutual Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ellington Mutual Insurance leadership team
Management profileNumber of profiles
Ellington Mutual Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ellington Mutual Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Ellington Mutual Insurance
What does Ellington Mutual Insurance do?
Ellington Mutual Insurance underwrites and sells property and casualty insurance policies to Wisconsin residents, including homeowners, renters, landlord, seasonal property, country estate, farm, hobby farm, small business, and umbrella coverage. All policies are issued by Ellington Mutual and distributed exclusively through a network of independent insurance agents located throughout Wisconsin. The company is a division of Homestead Mutual Insurance and is affiliated with Mutual of Wausau.
Is Ellington Mutual Insurance a public or private company?
Ellington Mutual Insurance is a private company. It is classified as corporate owned and is currently operating.
When was Ellington Mutual Insurance founded?
Ellington Mutual Insurance was founded in 1879. It employs 11 to 50 people.
Where is Ellington Mutual Insurance based?
Ellington Mutual Insurance is headquartered in Hortonville, United States, in the North America region.
How does Ellington Mutual Insurance make money?
One revenue line is on record: insurance Premiums.
Who are Ellington Mutual Insurance's main competitors?
Direct peers on record are Homestead Mutual Insurance, Mutual of Wausau, Acuity Insurance, Rural Mutual Insurance, West Bend Mutual Insurance and Badger Mutual Insurance. Broad incumbents are American Family Insurance, Erie Insurance, Auto-Owners Insurance and COUNTRY Financial.
Does Ellington Mutual Insurance have an API?
No public API is recorded for Ellington Mutual Insurance.
What industry is Ellington Mutual Insurance in?
Ellington Mutual Insurance's product category is Property and Casualty Insurance. Its primary akta.pro industry code is FSAJACAA, Homeowners Insurance, with a secondary code of FSAJACAB, Renters Insurance. Its NAICS code is 524126 and its SIC code is 6331.