If you believe your house is more than a structure, we agree. It’s a home where you raise your children, spend your time, and make lasting memories. Whether you need renters insurance or homeowners insurance for your mobile home or permanent dwelling, we have coverage to protect your home and what you keep inside. Special property coverage is available for your treasured items like jewelry and art.
It's all part of our Policy of Working Together.

Homeowners Insurance

In our town, homes come in all shapes and sizes. Your home fits your family. We want your homeowners insurance policy to fit too. That’s why Home-Guard® insurance, available through SEMO Mutual, is flexible. By covering what you need (property and personal liability) with additional options, your home is protected. We can insure your treasured possessions, like that diamond necklace or antique stamp collection.

Home-Guard Insurance Coverages

Debris removal
Personal liability (bodily injury, property, and medical payment)
Dwelling and other structures
Personal property
Additional living expenses

Renters Insurance

Rent your home or apartment? Did you know your landlord’s insurance policy doesn’t cover your possessions or protect you from liability claims? Because dependable coverage is what you need, that’s what our renters insurance offers. Available through Grinnell Mutual or your local farm or county mutual, like us, it’s there when you need it. When the day comes to buy homeowners insurance, the insurance history you build with renters insurance may simplify the process and lower your rates. Remember to ask your agent if you qualify for discounts.

Renters Insurance Coverage

Liability
Personal property

Optional Coverages

Scheduled personal property
Replacement cost option
Additional coverage
Waterbed liability
Personal injury

Mobile Home Insurance

Your home fits you and your lifestyle. We think your homeowners insurance policy should fit too. That’s why our mobile home insurance policies are flexible. Available through Grinnell Mutual or your local farm or county mutual, they cover what you need (property and personal liability) along with other coverage options. We can insure your treasured possessions too, like special jewelry or antiques. We’re here to protect you, your home, and your property.

Mobile Home Insurance Coverages

Personal liability (bodily injury, property, and medical payment)
Dwelling & other structures
Personal property
Additional living expenses

Equipment Breakdown Coverages

Furnaces, heat pumps, heaters
Central air conditioning
Ventilation systems and fans
Well pumps
Chairlifts and elevators
Electric power panels
Central vacuums
Pool equipment
Boilers and water heaters
Backup generators
Kitchen and household appliances