INSURANCE

Farm-mate Policy

The Farm-mate policy provides basic named-peril coverage on eligible farm insurance risks. Family Home Mutual Insurance will insure many types of farm insurance risks, ranging from small acreage in the country up to large farm or ranch operations. We offer competitive farm insurance rates for your livestock, grains, hay, outbuildings, and any type or size of farm machinery.

Family Home Mutual Insurance will also tailor the basic farm policy to fit your specific farm insurance needs. Farm dwellings can also be insured on this policy. For further information regarding this farm insurance policy, please visit our Agent Locator page to select an authorized agent to assist you.

Farm Guard Policy

The Farm Guard policy offers basic liability protection to insure both personal and business property. From small-scale operations all the way up to the larger-scale operations, Family Home Mutual Insurance has many endorsements available to make your liability coverage adequate for your risk.

Custom Farming and Custom Feeding endorsements, along with Incidental Business Activity endorsements, are available to insure income streams derived from non-farm sources. For further information regarding this or other farm insurance policies please visit our Agent Locator page to select an authorized agent to assist you.

Commander Dwelling Policy

The Commander Dwelling farm insurance policy is our best farm insurance policy for homes in the country. This farm insurance policy provides special form coverage, and is well-suited for high-quality homes.

Custom Dwelling Policy

The Custom Dwelling policy is our broad form policy for dwellings in the country. This farm insurance coverage is a step up from basic named-peril coverage in the Farm-mate insurance policy and is available with or without replacement cost coverage.

Dwelling I Policy

The Dwelling I Policy provides limited named-peril coverage on dwellings when the Farm-mate policy is not appropriate. There is no coverage in this policy for the perils of theft or vandalism/malicious mischief.

Dwelling Property Policy

The Dwelling Property Policy provides basic named-peril coverage on dwellings when the Farm-mate policy is not appropriate. This policy provides coverage for named-perils such as wind, hail, explosion, riot, aircraft, smoke, vandalism, and theft.

HG2 Home Guard Broad Form Policy

The HG2 Home Guard Broad Form provides property protection to your dwelling, coverage for other structures at the residence premises, and personal property coverage, including additional living expense coverage should your residence become inhabitable due to a covered loss.

Liability and medical payments to public coverage are also provided, and various endorsements are available to amend the basic homeowners insurance coverage to cover specific property risks. The Home Guard Broad Form is designed for use on owner-occupied, town, and city dwellings.

For further information regarding the HG2 Home Guard policy, please visit our Agent Locator to select your particular county an select an authorized agent to assist you today.

HG3 Home Guard Special Form Policy

The HG3 Home Guard Special Form Policy provides replacement cost coverage for your dwelling, other structures at the residence premises, and personal property, including additional living expense coverage should your residence become inhabitable due to a covered loss.

Liability and medical payments to public coverage are also provided as a part of HG3 Home Guard Special Form homeowners insurance, and this coverage is designed for use on owner-occupied town and city dwellings. The HG3 Home Guard Special Form homeowners insurance is an all-risk policy.

For further information regarding the HG3 Home Guard policy, please visit our Agent Locator to select your particular county and select an authorized agent to assist you today.

HG4 Home Guard Contents Broad Form

The HG4 is a popular policy to insure the property of a college student living away from home. While many homeowner policies extend coverage for college students living away from home, it is often best to keep risk separated in order to fully cover your assets in the event of a loss.

Depending on the type of homeowners insurance you have and your claim history, you may be entitled to receive, or may be already receiving, a premium discount on your existing homeowners insurance policy. For this reason, many insurance agents in recent years are recommending that homeowners purchase additional coverage for college-bound students because not only will it fully cover a college student’s personal property at college, it will also preserve the existing premium discounts on your homeowners insurance.

For further information regarding the HG4 Home Guard policy, please visit our Agent Locator to select your particular county and select an authorized agent to assist you today.

Manufactured Home Insurance Platinum

Manufactured Home Platinum is top of the line coverage for newer dwellings. Broad form coverage for manufactured homes is provided at affordable rates with replacement cost coverage on the dwelling included in the base premium.

50% of Coverage A is included for Personal Property as well as 20% of Coverage A for Additional Living Expenses. Replacement Cost on contents is available for an additional charge.

Manufactured Home Insurance Gold

Manufactured Home Gold is the ideal coverage for older dwellings. Broad form coverage for manufactured homes is provided at affordable rates with no replacement cost coverage on the manufactured home dwelling.

50% of Coverage A is included for Personal Property as well as 20% of Coverage A for Additional Living Expenses. Replacement Cost on contents is available for an additional charge.

Manufactured Home Insurance Silver

Manufactured Home Silver provides coverage for older, single-wide manufactured homes. Basic manufactured home coverage is provided at comparable rates with no replacement cost coverage on the dwelling.

This coverage is available for owner-occupied manufactured homes or tenant-occupied manufactured homes.

When owner-occupied, 50% of Coverage A is included for Personal Property as well as 20% of Coverage A for Additional Living Expenses.

Manufactured Home Insurance Bronze

Manufactured Home Bronze provides manufactured home insurance for those looking for basic coverage on their dwelling. Basic manufactured home coverage is provided at reduced rates with actual cash value coverage on the dwelling.

This manufactured home coverage is available for owner-occupied or tenant-occupied manufactured homes.

Tenant Protector

Tenant Protector Renters Insurance from Family Home Mutual Insurance is specifically designed for North Dakota tenants. Rates start as low as $10 per month for $15,000 coverage for your personal property, $1,000 for property lost off premise, $1,200 coverage for loss of use benefits if you are forced out of your apartment because of fire or water damage, and $100,000 in liability coverage, including $15,000 in identity theft insurance.

For further information regarding this Rental Insurance policy please visit our Agent Locator page and select the appropriate county to select an authorized insurance agent to further assist you.

Dwelling I Renters Insurance

Dwelling I Renters Policy provides limited named-peril coverage for a covered loss occurring on owner-occupied, tenant-occupied, town or rural dwellings when Home-Guard or Farmate policies are not appropriate.

There is no coverage in this Rental Insurance policy for perils of theft or vandalism / malicious mischief. For further information regarding this Rental Insurance policy please visit our Agent Locator page and select the appropriate county to select an authorized insurance agent to further assist you.

Dwelling Property Insurance

Dwelling Property insurance policy provides basic named-perils coverage on owner-occupied, tenant-occupied, town or rural dwellings when the Home-Guard or Farmate policies are not appropriate. This policy provides coverage for named-perils such as wind, hail, explosion, riot, aircraft, smoke, vandalism, and theft.

For further information regarding this Rental Insurance policy please visit our Agent Locator page and select the appropriate county to select an authorized insurance agent to further assist you.

HG4 Contents Broad Form Insurance

This HG4 Contents Broad Form insurance policy is designed for tenants requiring coverage for personal property and liability. Whether you are just starting out on your own or finding yourself in transition to another rental dwelling, Family Home Mutual Insurance can insure personal property and liability insurance needs of tenants entering into a Landlord/Tenant relationship.

The HG4 is also a popular policy for college students living away from home. While many homeowners insurance policies extend certain coverage for college students living away from home, it can be more peace of mind to keep student risk separate in order to fully cover personal assets in the event of a loss. In addition to insuring personal property and liability coverage, the HG4 policy also includes $15,000 in Identity Theft coverage.

For further information regarding this Rental Insurance policy please visit our Agent Locator page and select the appropriate county to select an authorized insurance agent to further assist you today.

Options, Bundles and Scholarships

Family Home Mutual Insurance teams up with Grinnell Mutual Insurance to provide discounted auto insurance coverage. To qualify for this discounted auto insurance, each customer bundles their homeowners insurance, farm insurance, or manufactured home insurance with a Grinnell Mutual auto insurance policy.

In addition to the discounted rate for Family Home Mutual Insurance policyholders described above, Grinnell Mutual Auto Insurance includes “Road To Success” scholarship program. This “Road To Success” scholarship program is available to high school seniors insured on your existing Grinnell Mutual auto insurance policy.

To be eligible for the $1,000 “Road To Success” scholarship, your high school senior must maintain a clean driving record coupled with a minimum 3.0 grade point average (GPA) during their senior year in high school. Dozens of $1,000 scholarships are awarded each year and the recipients are selected randomly.

Grinnell Mutual offers a Select Auto Insurance policy for Preferred Drivers in Grinnell Mutual’s Elite Program. This auto insurance is available to drivers who would not otherwise be acceptable for auto insurance coverage through Grinnell’s standard auto insurance program.

Through careful and responsible driving, the Elite Program Member may be eligible for discounts in future premium payment periods. In addition to the Elite Program, Grinnell Mutual offers several popular auto insurance coverages, includes towing and labor costs, rental reimbursement, and electronic equipment.

For further information regarding these auto insurance policies please visit our Agent Locator page and select your county to select a local authorized agent to assist you today.