Products & Services

Two different programs offered : Mutual Plus and Mutual Choice

  • Homeowners policies
  • Ranchowners Policies
  • Mobilehomeowners Policies
  • Liability Policies (Personal Liability and Farm Liability & premises only)
  • Rental Policies (with supporting homeowner’s coverage)
  • Seasonal Policies (with supporting homeowner’s coverage
  • Fire only
  • Inland marine policies

Homeowners Policies
This program provides coverage for Owner-occupied private residences. Personal property, related private structures and additional living expense are included. Inland marine endorsements are also available under this program. Older residences may be written actual cash value. Updated & newer residences may be written at replacement cost. There are several deductible options. Theses programs are based on standardized forms provided by AAIS.

Ranchowners policies
This program provides coverage for Owner-occupied private residences. Personal property and additional living expense are included. Older residences may be written actual cash value. Updated & newer residences may be written at replacement cost. There are several deductible options. Farm structures, buildings and farm personal property can be included under this program. There are optional coverage broadening endorsements that can be added to the customization of this program. This program is based on standardized forms provided by AAIS and company forms.

Manufactured-Mobilehome Owners coverage
This program provides coverage for an owner-occupied mobile-manufactured home used exclusively for private residential purposes. Personal property and private structures and additional living expense are included. Mobilehomes can only be written actual cash value. There are classifications of singlewide and doublewide. Mobilehomes must be on blocks or foundation. A $500 base deductible applies to mobilehome policies.

Rental Policies
This program is designed to be used for rental dwellings. We do not write apartment buildings or boarding houses. Supporting coverage is preferred when writing rental policies. Coverage is provided for the rental dwelling, scheduled personal property and fair rental value. All rental policies are written Actual Cash Value. Related structures need to be endorsed onto the policy. A base $500 deductible applies to Rental Policies.