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 to include amongst other perils – the peril of collapse, written based on actual cash value and open peril basis.
  • A special endorsement is available to have replacement coverage on bins, barns and machine sheds less than 15 years old and must have the open perils coverage listed above.
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:

Log In

IMT Logo
MIAI Logo
FMH Logo
NAMIC Logo