Products Avaliable


The types of policies that we write for town and farm property are:
Basic, Broad Form, Security
Basic – Dwelling and/or Contents
  • Does not include broad form coverages or theft or replacement cost.
  • This policy is designed for low value dwelling and/or contents and vacant dwellings.
Broad Form – Dwelling and/or Contents
  • Does include broad form coverages and/or theft and/or replacement cost.
  • This policy is designed for dwellings occupied by the insured or rented to others.
Farm or Home Security – Dwelling/Contents package
  • Coverages: open-peril coverage on the dwelling and named peril coverage on the contents.
  • The Security policy is designed for nice, well maintained dwellings which are owner occupied. The dwelling must be insured to 90% of replacement cost.
  • The dwelling and contents coverage section is rated as a package with additional perils, theft, replacement cost, refrigerated products and sewer & drain backup coverage included.
Farm or Home Security Select – Dwelling/Contents package
Includes Replacement Cost of Contents – no additional premium
  • Same guidelines as for the Farm or Home Security except:
    • dwelling must be written to 100% of the replacement cost.
    • dwelling must have been built within 30 years of effective date of policy or remodeled (including wiring, heating, plumbing) during this same period.
NEW Farm or Home Security Select – Dwelling/Contents package
Includes Replacement Cost of Contents – no additional premium
  • Same guidelines as for the Farm or Home Security except:
    • dwelling must be written to 100% of replacement cost.
    • dwelling must have been built within 15 years of effective date of the policy
Service Buildings
  • Coverage for service buildings and structures is based on actual cash value and is written on a named peril basis.
  • A special endorsement is available to broaden coverage in to include amongst other perils – the peril of collapse, written based on actual cash value and open peril basis.
Other items that we insure:
  • Scheduled Personal Property
  • Blanket Farm Personal Property
  • Farm Machinery Floater – possible intake of rock or foreign objects
  • Mobile homes and contents
  • ATV – 4 wheels and farm use only
  • Peak Season items
  • Cab Glass
  • Submersible pump motors
  • Outside Wiring

CONTACT INFORMATION:

Home Mutual Ins Assn
721 Third Street
P O Box 367
Manning, IA 51455-0367
712-655-3076
Fax: 712-655-2801
homemutl@mmctsu.com

AGENT:

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