Adair County Mutual Insurance Association specializes in writing coverages for farms and farm personal property, homes and household property in towns and cities, mobile homes, modular homes, rented dwellings, churches, schools and community property.
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Home-Guard Policy is designed to cover your home and its contents, as well as other structures located on your property. The policy also provices coverage for additional expenses you may incur if your home is damaged by an insured peril. Liability, medical expense coverage to the public and damage to the property of others is offered through Grinnell Mutual Reinsurance Company. Coverage Highlights |
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Home-Guard Select is available for newer homes or ones that have been extensively remodeled. Coverage includes all risk coverage to the dwelling with replacement cost and replacement cost coverage for personal property. Coverage Highlights |
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Tenant Home-Guard is available for persons renting their residence to others. The policy includes coverage for unscheduled personal property, additional living expense coverage and liability coverage. Replacement cost coverage for the personal property is available. Coverage Highlights |
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Farm Policies provide property and liability coverage for your farm and buildings. The liability coverage, provided by Grinnell Mutual Reinsurance Company, will protect you from claims brought against an insured person for negligence arising form your farming operation, damage to property of others, medical payments to the public if someone is injured on your property, liability to farm employees, medical payments to farm employs incurred by employees while engaged in the farming operation. Coverage highlights
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Property Protection for churches, schools and community buildings
We can insure churches, schools and community buildings for fire, windstorm and extended coverage protection. Coverage highlights |
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The Home-Guard Policy package is designed to cover your home, its contents and other structures on your property. The policy also offers additional living coverage to cover expenses you may incur if your home is damaged to the point you cannot live in it, if the damage is caused by an insured peril. Liability, medical expense coverage to the public and damge to the property of others is written by Grinnell Mutual Reinsurance Company.
Key Benefits:
- Minimum policy coverage is $25,000.
- Contents coverage is 50% of the dwelling coverage and other structures coverage is 10% of the dwelling coverage.
- Additional living coverage is 20% of the dwelling coverage. All coverages may be increased for a nominal premium.
- $100,000 comprehensive personal liability, $1,000 medical coverage to the public and $250 damage to property of others is included in the base premium. Higher limits are available.
Replacement cost coverage for both dwelling and personal property is available.
Information Request Form
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Home-Guard Select is available for newer homes or ones that have been extensively remodeled. Coverage includes all risk coverage to the dwelling with replacement cost and replacement cost coverage for personal property.
Key Benefits:
- Minimum coverage is $40,000.
- Contents coverage is 70% of the dwelling coverage.
- Other structures coverage is 10% of the dwelling coverage.
- Additional living expenses coverage is 20% of the dwelling coverage.
- $100,000 comprehensive personal liability, $1,000 medical coverage to the public and $250 damage to property of others included in the base premium. Higher limits are available.
Information Request Form
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Tenant Home-Guard Policy is available for persons renting their property to others.
Key Benefits:
- Minimum coverage for unscheduled personal property is $4,000.
- Additional living expense coverage of 20% of the personal property coverage is included in the premium.
- $100,000 comprehensive personal liability, $1,000 medical coverage to the public and $250 damage to property of others included in the base premium. Higher limits are available.
- Replacement cost coverage for the personal property is available.
Information Request Form
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The Farm Policies package provides liablity and property coverage. Liability coverage is written by Grinnell Mutual Reinsurance Company.
Key Benefits:
- Public liability will cover claims brought against an insured person for negligence arising from your farming operation.
- Also covers damage to property of others, such as borrowed farm equipment.
- Medical payments to public pays for medical bills for the public if they become injured on your property.
- Liability to farm employees for claims brought against an insured person by a farm employee.
- Medical payments to farm employees that pays for medical bills incurred by employees while engaged in the farming operation.
- Silos insured to within 80% of replacement cost ($10,000 minimum). Coverage for commercially engineered machine sheds also available.
- Grain bins insured to within 80% of replacement cost ($5,000 minimum).
- Well-maintained farm buildings and insured with a minimum value of $5.00 per sq ft. Also totally enclosed buildings, $4.00 per sq ft for open front buildings. Grain bins insured at 50% replacement cost.
- Farm buildings of marginal condition, portable buildings, single cribs, bulk bins or buildings which are not being insured to the required value for the above classes.
- Farm personal property may be insured specifically and individually, or on a farm blanket.
- A blanket policy requires an inventory of all farm personal property, with a minimum of $30,000 except for a country home policy, which has a minimum of $5,000. A country home policy is one in which the farm is 80 acres or less and has $40,000 farm personal property or less.
Information Request Form
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Property Protection for your churches, schools and community buildings.
Key Benefits:
- Protection against fire.
- Protection against windstorm.
- Extended coverage protection is available.
Information Request Form
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