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Home Insurance

 

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, condominium unit, 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. Because it matters, we'll also provide CyberScout® services at no extra charge.

 

It's all part of our Personal Attention…Peace of Mind.

 

 


 

 

 

 


 

 

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 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.

 

If your home and vehicles are damaged from the same event, you save money by paying a waived deductible when you have insured both your home with Forward Mutual Insurance Company and your auto with Grinnell Mutual® who is our reinsurance company. CyberScout® protection is included with your policy at no charge. We're here to protect your uniqueness—your home, possessions, and personal documents.

 

Home-Guard Insurance Coverages

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

 

Contact your local agent for your homeowners insurance quote today and ask if your home qualifies for a discount.

 

 


 

 

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. 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

  • Personal liability (bodily injury, property, and medical payment)
  • Personal property

 

Optional Coverages

  • Scheduled personal property
  • Replacement cost option
  • Additional coverage
  • Waterbed liability
  • Additional living expenses

 

Contact your agent for a renters insurance quote today.

 

 


 

 

Condominium Unit-Owner Insurance

Have you purchased a condominium unit? When you become the owner of a condominium unit, you also acquire an undivided interest with all other unit owners in the jointly owned common areas (i.e., corridors, common walls, etc.). Common areas are usually determined by definition and interpretation of the condominium association bylaws or policy declarations. The condominium association owns the condominium building(s) and may also own other property, such as, a clubhouse or swimming pool. As a condominium unit owner, you do not need to purchase insurance on the building that you occupy. The condominium association insurance policy should cover the basic structure and common property, as well as liability for injuries on common property. Check with your association board to be certain you fully understand your insurance responsibilities and those of the association.

 

You may, however, want to purchase insurance that provides coverage for alterations, appliances, fixtures, and improvements which are made a part of the building within your condominium unit and not covered by the condominium association insurance policy. Did you know your condominium association insurance policy doesn't cover your possessions or protect you from liability claims? Because dependable coverage is what you need, that's what our Home-Guard® unit-owners insurance offers. Like us, it's there when you need it. Remember to ask your agent if you qualify for discounts.

 

Home-Guard Unit-Owners Insurance Coverage

  • Personal liability (bodily injury, property, and medical payment)
  • Dwelling alterations, appliances, fixtures, and improvements
  • Personal property
  • Additional living expenses
  • Loss assessment coverage

 

Contact your agent for a condominium unit-owners insurance quote today.

 

 


 

 

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. 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)
  • Mobile home & other structures
  • Personal property
  • Additional living expenses

 

Contact your local agent for your mobile homeowners insurance quote today and ask if your home qualifies for a discount.

 

 


 

 

Additional Coverages

Customize your homeowners protection with our additional insurance coverages.

 

Inland Marine

You just inherited Aunt Martha's diamond and ruby bracelet. Or maybe your vintage poster collection has suddenly increased in value. You can protect your investment with additional protection for high-value items such as jewelry, silverware, fine arts, sporting goods, antiques, collectibles, and more.

 

Contact your local agent to learn more.

 

 


 

 

One Deductible - One Good Deal

When a disaster hits you hard, the most important thing is the safety of your family. We know your concern is a place to stay, clothes to wear, and food to eat. When you're insured through both Forward Mutual Insurance Company and Grinnell Mutual® our reinsurance company, we'll help you save money and get back on your feet with one deductible. So, for example, if your home, two cars and motorcycle are damaged in a storm, you pay just one deductible, not four. It's one good deal when everything else seems overwhelming.

 

Are you eligible for one deductible?

  • Is your home or farm insured by Forward Mutual Insurance Company?
  • Are your vehicles covered through Grinnell Select's Elite Driver or Grinnell Mutual®'s personal auto insurance?
  • Are your recreational vehicles insured with a Grinnell Mutual policy?

If so, you're eligible to save money with one deductible from a single covered event.

 

Waive goodbye to your deductible

At Forward Mutual Insurance Company and Grinnell Mutual, we believe in a Policy of Working Together. That's why we waive your physical damage deductible if you collide with another vehicle insured by Grinnell Mutual or with a farm implement insured by Forward Mutual Insurance Company.

 

Remember, when you're insured through Forward Mutual Insurance Company and Grinnell Mutual, you're a part of the family. To learn more, contact your local agent.

 

 


 

 

Homeowners Equipment Breakdown Coverage

As homes have changed so have the risks. The equipment in your home is now more sophisticated and valuable. Your homeowners insurance choices need to keep pace with changing risk. With homeowners' equipment breakdown coverage you'll have access to specialists who will find services for the fast repair or replacement of your critical equipment. You'll appreciate the security, convenience, and peace of mind of our equipment breakdown coverage.

 

Equipment Breakdown Coverage

  • 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

 

Use this interactive website to learn more about protecting and maintaining the equipment in your home. Contact your local agent today to learn more.