Smaller regional and local mutuals often win on speed, context, and consistency—because underwriting, claims, and leadership live closer to you and your risks. That proximity reduces bureaucracy and improves decisions. NAMIC

With a mutual, you’re an owner. Owners get governance rights, may share in favorable results, and benefit from a mission laser focused on policyholders—not shareholders. NAMIC

Mutual insurers are owned by policyholders (you), stock insurers are owned by shareholders (Wall Street). That ownership difference changes incentives, how profits are used, and often how you’re treated when it’s claim-time. Investopedia+1