Home Coverages

Home-Guard® Insurance Coverages
Life can be unpredictable. Your insurance needs to be flexible so the unexpected doesn’t derail your big plans. Home-Guard® insurance available from Grinnell Mutual or a Grinnell Mutual Member helps cover what you need — property and personal liability — with additional options, so not only is your home protected, your valuable possessions can be, too. And if your vehicles, home, or farm are damaged during the same event, you’ll save money by paying only Waived Deductible.

  • Dwelling and other structures
  • Personal property
  • Additional living expenses
  • Personal liability (bodily injury, property damage, and medical payment)
  • Personal injury

Inland Marine
It doesn’t matter if you’re a vintage stamp collector or you recently inherited a diamond necklace, you can help protect your investment with additional protection for high-value items, from artwork to antiques.


Bit by bit, you’ve created a life that’s happy and whole, so investing in some peace of mind makes a lot of sense. Should you find yourself responsible for someone else’s bodily injury or property damage, Grinnell Mutual’s Umbrella insurance provides additional liability protection that goes beyond your auto, home, and watercraft policies. Reasonable rates are determined by the properties and vehicles you own, and we offer a wide range of policy limits to fit your life and budget.

Equipment Breakdown
It’s important that the tools you use to keep your home running efficiently remain in tip-top shape. With homeowners’ equipment breakdown coverage you’ll have access to specialists who will find services for the fast repair or replacement of your critical equipment. 

  • Furnaces, heat pumps, heaters
  • Central air conditioning
  • Ventilation systems and fans
  • Well pumps
  • Chairlifts and elevators
  • Electric power panels
  • Central vacuums
  • Pool equipment
  • Boilers and water heaters
  • Backup generators
  • Kitchen and household appliances

Identity Theft
Identity theft is one of the fastest growing crimes in America, which is why Grinnell Mutual has partnered with CyberScout™ to ensure that some of your most important commodities — your privacy, your good name, and your future — remain intact. Should your identity be compromised, an expert fraud specialist at CyberScout will walk you through the process of resolving the issues, step by step, free of charge. It’s our way of ensuring you are protected at every stage. CyberScout also has a large library of resources so you can learn how to spot scams and protect your identity.

Check in with your local agent or access your account to file a claim.

Contact an agent today!