Heartland Mutual Insurance offers a variety of property casualty insurance products primarily designed to meet the needs of those residing in the State of Iowa particularly 26 counties from the center of the state to the Minnesota state line.

We offer dwelling fire & wind at actual cash value or replacement on homeowners, rentals, habitational units, farms, and large Ag Confinement Buildings. We also offer liability coverage through two companies – IMT out of Des Moines, Iowa and 1st Auto Casualty out of Madison Wisconsin. We do not cover large commercial property.

PROPERTY PRODUCTS:

  • Dwellings (ACV coverage to Replacement Cost)
  • Mobile Homes
  • Manufactured Homes
  • Seasonal Homes / Cabins
  • Dwellings under construction
  • Theft of Building Materials
  • Habitational Units – Duplex, 4 Plex and 6 Plex only
  • Coverage C – Personal Property (ACV, Rental, Replacement Cost)
  • Farm Outbuildings and Structures (Barns, Cribs, Machine Sheds, Silo…)
  • Garages
  • Grain Bins / Drying Bins
  • Ag Confinements (Hog or Cattle – NO Poultry)
  • Comprehensive Coverage for Outbuildings (snow load, vehicle….)
  • Farm Personal Property
  • Blanket Coverage (Basic or All Peril)
  • Cab Glass
  • Suffocation of Animals
  • Blizzard Coverage for Livestock
  • Peak Season – Grain, Livestock or Seed Held for Sale
  • ATV (Farm Use Only)
  • Farm Floaters – Inland Marine for Combines, Tractors, Leased Equipment, etc…
  • Farm Interruption Coverage
  • Outside Wiring
  • Water pumps & submersibles
  • Sewer & Drain Coverage
  • Refrigerated Products
  • Earthquake
  • Satellite Dishes / Antenna’s
  • Business Property
  • Tennant Improvements
  • Vacant Property

INLAND MARINE PRODUCTS:

  • Antiques and Collectors Items (With and Without Breakage)
  • Bicycles
  • Boats & Motors
  • Cameras & Accessories
  • Camper Trailers & Equipment
  • Cellular / Mobile Phones & Hand Held Radios
  • Coin Collections
  • Computers (Home and Business)
  • Docks and Lifts
  • Fine Arts & Collectables (With or Without Breakage)
  • Furs
  • Golf Carts and Trailers
  • Golf Equipment
  • Guns & Sporting Goods
  • Hearing Aids
  • Jewelry
  • Medical Equipment
  • Musical Instruments
  • Office Equipment in Home
  • Radio Repeater / Tower
  • Saddles, Bridles & Tack Equipment
  • SCUBA Diving Gear
  • Silverware
  • Stamp Collections
  • Survey Equipment
  • Tools (With or Without Theft from Vehicle)