Services
Heartland Mutual Insurance offers a variety of property casualty insurance products primarily designed to meet the needs of those residing in the State of Minnesota.
We offer dwelling fire & wind at actual cash value or replacement on homeowners, rentals, farms, and large Ag Confinement Buildings. We also offer liability coverage through Grinnell Mutual.
- Loss Prevention
- Property Inspections
- Claim Adjusting
- Farm Owners and Farm Liability
- Homeowners and Personal Liability
- Dwelling Owners
- Island Marine
- Renters and Condo Owner's
Products
- Dwellings (ACV coverage to Replacement Cost)
- Mobile Homes
- Manufactured Homes
- Seasonal Homes / Cabins
- Dwellings under construction
- Theft of Building Materials
- 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
- Cab Glass
- Suffocation of Animals
- Blizzard Coverage for Livestock
- Peak Season - Grain, Livestock or Seed Held for Sale
- ATV (Farm Use Only)
- 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)