Church, School or Community Property
Home-Guard®
Home-Guard policies are designed for owner occupied homes in town or when no farming exposure is present on the property in a rural setting.
Home-Guard policies provide coverage for:
- Dwelling: the physical structure of the house which can be insured for replacement cost or actual cash value.
- Household Personal Property: All of your personal belongings. Such as, furniture, appliances, clothing, etc… Personal property can be insured for replacement cost or actual cash value (less depreciation).
- Additional Living Expense: An automatic 20% of your Dwelling limit is there to provide assistance for additional expenses, such as, a hotel room when you incur a covered loss that makes your home uninhabitable until repairs are made.
- Other Structures: coverage for structures not attached to the dwelling
- Personal Liability: Included and provided by Grinnell Mutual Reinsurance Company.
Additional optional coverages can be added to your policy to customize as you need it such as:
- Inland Marine: covers special items of personal property (jewelry, cell phones, computers, etc.) on an all risk basis except for a exclusions as provided by the policy provisions.
- Equipment Breakdown: covers mechanical features of your home, such as, appliances, heating & cooling systems, and home security systems for damage due to a mechanical failure. Please note that wear and tear is not a mechanical breakdown.
- Water Backup of Sewer or Drain: offers coverage for the cleanup and damages that result when your drain system backs up into your home. We offer $5,000, $10,000 and $15,000 limits. $15,000 limit must have a battery back-up for sump pump.
- Service Line Coverage: covers the underground piping and wiring to service the dwelling.
- Earthquake: Available with 10% deductible.
Farm-Mate®
Coverage to protect your home and household personal property, as well as your farm buildings and farm personal property. All Farm-Mate policies are able to be customized to cover large and small operations including:
- Dwelling: the physical structure of the house which can be insured for replacement cost or actual cash value
- Household Personal Property: All of your personal belongings. Such as, furniture, appliances, clothing, etc… Personal property can be insured for replacement cost or actual cash value (less depreciation).
- Additional Living Expense: An automatic 20% of your Dwelling limit is there to provide assistance for additional expenses, such as, a hotel room when you incur a covered loss that makes your home uninhabitable until repairs are made.
- Farm Service Buildings: all the other outbuildings you own. These can be insured for actual cash value or replacement cost.
- Scheduled Farm Personal Property: you can choose to list only certain pieces of machinery/ equipment that you want to insure.
- Blanket Farm Personal Property: all your machinery, equipment, livestock & grain can be insured under one lump sum.
There are numerous additional coverages that can be added to your policy if needed such as:
- Additional Operating Expense
- Comprehensive Machinery Coverage
- Farm/Household Operations Records
- Fire Department Charges
- Glass Breakage – Farm Machinery
- Leased or Rented Farm Buildings
- Loss of Income
- Peak Season
- Pollution Clean Up and Removal
- Suffocation of Livestock
- Water Backup of Sewer and Drains
- Inland Marine for Personal Property (jewelry, guns, computers) when all risk coverage is desired
- Equipment Breakdown covers mechanical features of your home and farm equipment, such as, refrigerator systems, deep well pumps & motors, emergency generators, and grain dryers. The features of the farm dwelling are also included, such as, appliances, heating & cooling systems, and home security systems.
- Service Line Coverage
- Earthquake with 10% deductible
Tenant Policy
Personal property and liability coverage for tenants. Personal Liability included and provided by Grinnell Mutual Reinsurance Company.
Rented Dwellings or Cabins
We offer a rented dwelling policy for non-owner occupied rental properties. We also offer a dwelling policy for cabins which may only be used part of the year.
Church, School or Community Property
We also offer property insurance for churches, schools or community property (such as community event buildings, park shelters or cemetery storage buildings).