Barnstable County Mutual Insurance Co

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.

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

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

• Homeowners insurance
• Renters insurance
• Personal umbrella insurance
• Property casualty insurance
• Mutual insurance

Headquarters

HQ city

Yarmouth Port

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Others

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core 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.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core.

• Allan Walker/World Insurance AssociatescoreChannel Partner/ Reseller/ DistributorIndependent insurance agency partner selling The Barnstable's homeowners, renters, and umbrella insurance products in the Cape Cod region.
• Almeida & Carlson Insurance AgencycoreChannel Partner/ Reseller/ DistributorIndependent insurance agency partner selling The Barnstable insurance products.
• Arthur J. Gallagher Risk Management ServicescoreChannel Partner/ Reseller/ DistributorNational risk management and insurance services firm operating as independent agency partner for The Barnstable in New England.
• The Baldwin Group (Rogers Gray)coreChannel Partner/ Reseller/ DistributorIndependent insurance agency operating as The Baldwin Group/Rogers Gray, appointed to sell The Barnstable products.
• Benson Young & Downs Insurance AgencycoreChannel Partner/ Reseller/ DistributorIndependent insurance agency partner selling The Barnstable insurance products in the Cape Cod region.
• USI Insurance ServicescoreChannel Partner/ Reseller/ DistributorNational insurance services firm operating as independent agency partner for The Barnstable.
• Kaplansky InsurancecoreChannel Partner/ Reseller/ DistributorIndependent insurance agency partner selling The Barnstable insurance products in the Cape Cod region.

Scale indicators2 records

Recent moves6 records

Expansion highlights2 records

Direct 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

• LinkedInlinkedin.com/company/the-barnstable-county-mutual-insurance-company

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&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