Barnstable County Mutual Insurance Co
The Barnstable is a Massachusetts-domiciled mutual property and casualty insurer founded in 1833, selling homeowners, renters, and personal umbrella insurance exclusively through approximately 30 independent agencies across Cape Cod, Martha's Vineyard, and the SouthCoast region.
- Company typePrivate
- Founded1833
- HeadquartersYarmouth Port, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Barnstable County Mutual Insurance Co does
The Barnstable County Mutual Insurance Company, Inc. (doing business as "The Barnstable") is a Massachusetts-domiciled mutual property and casualty insurance company founded in 1833 and headquartered in Yarmouth Port, MA. It sells homeowners, renters, and personal umbrella liability insurance exclusively through a vetted network of approximately 30 independent insurance agencies across Cape Cod, Martha's Vineyard, and the SouthCoast region of Massachusetts. As a mutual, its policyholders are also its members and elect the board of directors; the company has repeatedly earned the AM Best A (Excellent) financial strength rating and publishes annual reports and financial statements (most recently 2024 and 2025). The company operates a web-based insurance service platform with online policyholder and agent portals (hosted on the ISCS platform), online claim submission, and SSL-encrypted transactions. Premiums are collected through three payment plans — an ACH automated monthly installment plan (11 installments in year one, 12 in renewal years), a 5-installment paper bill plan, and an annual mortgage/escrow plan — with no direct-to-consumer or online quoting channel. The company is not publicly traded, has no parent company, no subsidiaries, no disclosed funding rounds, and no M&A history in the source data.
Barnstable County Mutual Insurance Co firmographics
Firmographics- Name
- Barnstable County Mutual Insurance Co
- Legal name
- The Barnstable County Mutual Insurance Company, Inc.
- Website
- https://thebarnstable.com
- Company type
- Private
- Founded year
- 1833
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- The Barnstable is a Massachusetts-domiciled mutual property and casualty insurer founded in 1833, selling homeowners, renters, and personal umbrella insurance exclusively through approximately 30 independent agencies across Cape Cod, Martha's Vineyard, and the SouthCoast region.
- Ownership category
- akta.pro rank
Barnstable County Mutual Insurance Co industry classification
Industry- Product category
- Personal Property and Casualty Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers and Related Activities (524)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Homeowners Insurance (FSAJACAA)
- akta.pro secondary industry
- Renters Insurance (FSAJACAB)
Keywords
Where Barnstable County Mutual Insurance Co is headquartered
LocationHeadquarters
- HQ city
- Yarmouth Port
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Barnstable County Mutual Insurance Co business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Others
Revenue model
- Property and Casualty Insurance Premiums: As a mutual insurance company, The Barnstable generates revenue through insurance premiums from homeowners, renters, and personal umbrella liability policies. Policyholders are members who share in the company's success. The company emphasizes sustainable, high-quality property insurance with focus on financial strength and capital adequacy.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | ACH Automated Withdrawal Plan - 11 installments in first year, 12 installments in renewal years |
| Subscription | Multi-year contract | 5-Installment Paper Bill Plan |
| Subscription | Annual | Mortgage/Escrow Bill Plan |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
Barnstable County Mutual Insurance Co product offering
Product offeringCore offering
The Barnstable underwrites and sells personal property and casualty insurance policies—homeowners, renters, and personal umbrella liability coverage—exclusively through approximately 30 carefully vetted independent insurance agencies in Cape Cod, Martha's Vineyard, and the SouthCoast region of Massachusetts. As a mutual insurer, policyholders are members who share in the company's financial outcomes, with an elected board of directors providing governance.
Product overview
The Barnstable offers a portfolio of property and casualty insurance products distributed exclusively through a network of independent agency partners. The core product lineup consists of Homeowners Insurance, Renters Insurance, and Personal Umbrella Liability Insurance, along with underlying Property Insurance and Liability Insurance coverage options. These products are sold through a network of over 25 independently vetted insurance agencies throughout Cape Cod, Martha's Vineyard, and the SouthCoast region. The company provides an online policyholder portal for customers to manage their accounts and make payments, but does not offer a unified platform architecture with modules or add-ons.
Differentiator
Problem solved
Functional benefit
Products and services
- Homeowners Insurance Property insurance coverage protecting residential property owners against damage to their residence and personal belongings from covered perils such as fire, hurricane, wind, hail, and water damage. Sold to homeowners in Cape Cod, Martha's Vineyard, and the SouthCoast region through appointed independent agents.
- Renters Insurance Insurance coverage for tenants that protects personal property and provides liability protection. Sold to renters in Cape Cod, Martha's Vineyard, and the SouthCoast region through appointed independent agents.
- Personal Umbrella Liability Insurance Excess liability coverage providing additional protection beyond the limits of standard homeowners or renters policies. Sold to existing Barnstable policyholders and other consumers in Cape Cod, Martha's Vineyard, and the SouthCoast region through appointed independent agents.
- Property Insurance Coverage Coverage for property damage claims including fire, lightning, hurricane, wind, hail, water, freezing, collapse, ice damage, theft, vandalism, and mold remediation. Underlying coverage available through homeowners and related policies.
- Liability Insurance Coverage Coverage for bodily injury liability, property damage liability, escaped liquid fuel liability, and all other liability claims. Available through homeowners, renters, and umbrella policies.
Companies that use Barnstable County Mutual Insurance Co
Customer profileSegments3 records
Ideal customer profiles3 records
Barnstable County Mutual Insurance Co technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Barnstable County Mutual Insurance Co partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- Allan Walker/World Insurance AssociatescoreIndependent insurance agency partner selling The Barnstable's homeowners, renters, and umbrella insurance products in the Cape Cod region.
- Almeida & Carlson Insurance AgencycoreIndependent insurance agency partner selling The Barnstable insurance products.
- Arthur J. Gallagher Risk Management ServicescoreNational risk management and insurance services firm operating as independent agency partner for The Barnstable in New England.
- The Baldwin Group (Rogers Gray)coreIndependent insurance agency operating as The Baldwin Group/Rogers Gray, appointed to sell The Barnstable products.
- Benson Young & Downs Insurance AgencycoreIndependent insurance agency partner selling The Barnstable insurance products in the Cape Cod region.
- USI Insurance ServicescoreNational insurance services firm operating as independent agency partner for The Barnstable.
- Kaplansky InsurancecoreIndependent insurance agency partner selling The Barnstable insurance products in the Cape Cod region.
Scale indicators2 records
Recent moves6 records
Expansion highlights2 records
Barnstable County Mutual Insurance Co competitors and assessment
Company assessmentDirect peers
- Norfolk & Dedham Group: Mutual insurance group headquartered in Dedham, MA, providing homeowners and personal lines coverage throughout New England via independent agents. Operates with a virtually identical distribution model and product mix.
- Plymouth Rock Assurance: Northeast regional P&C carrier offering homeowners and auto coverage in MA and surrounding states. Comparable regional focus, though operates as a public-benefit corporation rather than a mutual.
- Vermont Mutual Insurance Group: Mutual P&C insurer based in Montpelier, VT, providing homeowners, auto, and other personal lines to New England customers through independent agents. Directly comparable in scale, mutual ownership, and regional concentration.
- Quincy Mutual Fire Insurance Company: Massachusetts-based mutual fire and property insurer founded in 1851, serving New England through independent agents. Same mutual structure, same regional P&C focus, and same homeowner-centric product approach as The Barnstable.
- Middlesex Mutual Assurance Company: Connecticut-based mutual property and casualty insurer writing homeowners and personal lines through independent agents. Comparable mutual structure and personal-lines book.
- Patrons Mutual Insurance Company: Small mutual insurance company in the Northeast providing property and casualty coverage to individuals and small businesses through independent agents. Highly comparable scale and mutual model.
- Holyoke Mutual Insurance Company: Massachusetts-based mutual property and casualty insurer serving individuals and small businesses in New England through independent agents. Closely comparable mutual structure and personal-lines focus.
- Narragansett Bay Insurance Company: Rhode Island-based property and casualty insurer serving coastal New England markets. Similar regional focus, homeowners-heavy product mix, and independent-agent distribution model.
Broad incumbents
- Liberty Mutual Insurance: Large national P&C insurer headquartered in Boston, writing homeowners and personal lines across the US. Comparable Massachusetts roots and product overlap with The Barnstable's homeowners and umbrella offerings, but vastly larger scale and broader geographic footprint.
- Travelers Companies: National P&C giant with a meaningful homeowners and umbrella liability franchise, including New England. Overlaps directly with The Barnstable's core lines but operates at massive scale through both exclusive and independent channels.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Barnstable County Mutual Insurance Co social profiles
Digital presenceBarnstable County Mutual Insurance Co financial estimates
Financial estimateRevenue estimate
Valuation estimate
Barnstable County Mutual Insurance Co leadership team
Management profileNumber of profiles
Profiles12 records
Barnstable County Mutual Insurance Co funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Barnstable County Mutual Insurance Co 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 Barnstable County Mutual Insurance Co
What does Barnstable County Mutual Insurance Co do?
The Barnstable underwrites and sells personal property and casualty insurance policies—homeowners, renters, and personal umbrella liability coverage—exclusively through approximately 30 carefully vetted independent insurance agencies in Cape Cod, Martha's Vineyard, and the SouthCoast region of Massachusetts. As a mutual insurer, policyholders are members who share in the company's financial outcomes, with an elected board of directors providing governance.
Is Barnstable County Mutual Insurance Co a public or private company?
Barnstable County Mutual Insurance Co is a private company. It is classified as management employee owned and is currently operating.
When was Barnstable County Mutual Insurance Co founded?
Barnstable County Mutual Insurance Co was founded in 1833. It employs 11 to 50 people.
Where is Barnstable County Mutual Insurance Co based?
Barnstable County Mutual Insurance Co is headquartered in Yarmouth Port, United States, in the North America region.
How does Barnstable County Mutual Insurance Co make money?
One revenue line is on record: property and Casualty Insurance Premiums.
Who are Barnstable County Mutual Insurance Co's main competitors?
Direct peers on record are Norfolk & Dedham Group, Plymouth Rock Assurance, Vermont Mutual Insurance Group, Quincy Mutual Fire Insurance Company, Middlesex Mutual Assurance Company, Patrons Mutual Insurance Company, Holyoke Mutual Insurance Company and Narragansett Bay Insurance Company. Broad incumbents are Liberty Mutual Insurance and Travelers Companies.
Does Barnstable County Mutual Insurance Co have an API?
No public API is recorded for Barnstable County Mutual Insurance Co.
What industry is Barnstable County Mutual Insurance Co in?
Barnstable County Mutual Insurance Co's product category is Personal 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.