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Auto insurance | home insurance | renters insurance

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Auto coverages

We go the extra mile.

We go where you go.

Whether you’re navigating an unexpected snowstorm during rush hour or you’re ferrying the kids to soccer practice — and whether it’s in a car, a pickup, or an RV — Grinnell Mutual understands you’re carrying precious cargo. We’re here to help protect you and the ones you love with comprehensive, collision, and/or liability coverage.

We also protect your pocketbook.

Grinnell Mutual believes that if you’re a safe driver you should be rewarded with great discounts that offer affordable insurance with superior coverage.

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Auto Plus – beyond the basics

Driving isn’t all about the morning commute or picking up groceries. Sometimes adventure and the open road calls. Grinnell Mutual’s Auto Plus endorsement offers extra coverage to protect your journey.

  • Pet injury: The journey’s even more fun when Fido rides along. If the worst happens and he’s injured or killed during an accident, we’ll pay up to $500 for veterinary fees or the adoption of a new pet.
  • Air bag reinstallation: If your airbag deploys without your vehicle being involved in an accident, we’ll pay the costs of installing a new one.
  • Lock replacement: Losing your keys is a hassle. Replacement coverage, which reimburses you up to $250 to replace your keys, key entry pad, or electronic entry device, helps make it a less expensive hassle.
  • Locked vehicle: Nothing makes a bad day worse than getting locked out of your car. If you find yourself on the outside looking in, we’ll reimburse you up to $100 to get those keys back in your hands where they belong.
  • Personal property: A great trip can turn into a nightmare if your car and/or its contents are stolen. We’ll pay you up to $500 to replace your missing stuff.
  • Rental car coverage: What’s worse than wrecking your own car? Wrecking someone else’s. We’ll extend collision and comprehensive coverages to any personal passenger car you or a family member rents. Additionally, rental agencies often charge customers for “loss of use” if they can’t rent the car out because it was damaged while you were using it. We'll pay up to $750 to cover those costs.
  • First-year total loss: If the worst happens and your new vehicle is declared a total loss within the first year of purchase — and it has fewer than 15,000 miles on it — we’ll replace it with a vehicle one model year newer of the same make, model, and covered equipment.

Farm Truck

We know how indispensable your truck is. That’s why we offer a special rate classification for vehicles used for farming operations. We can even add your farm truck coverage to your personal auto policy — and fewer policies means less paperwork. You get the same great benefits that you do with your personal auto insurance policy, plus added coverages that include:

  • Pollution liability: If you have an accidental manure or chemical spill, you may be held liable for damage to air and/or water quality.
  • Cargo owned: If there is a covered loss of your nonhazardous farm commodities, grain, bagged seed, or livestock.
  • Motor truck cargo (non-owned cargo): If there is a covered loss to the farm commodities, grain, bagged seed, or livestock you are hauling for someone else.
  • Limited hauling for hire: Protection for the act of hauling grain, livestock, or nonhazardous agricultural commodities for someone else with your vehicle.
  • Large farm trucks, including semis.

Land Based Recreational Vehicle (RV)

Fun in the sun — or snow! — is a big part of what makes life grand. And if you use a land-based recreational vehicle like an ATV or a snowmobile to enjoy the outdoors, we can help protect you if things take an unexpected turn. The policy covers bodily injury, property damage, run-ins with uninsured and underinsured motorists, and medical payments.

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Homeowners insurance

We know your house is more than a roof and walls. It’s home.

It doesn’t matter if you live in a split-level ranch on Main Street or an apartment downtown, or whether you own or rent. And not only can we insure your home, but we can cover all the stuff in it, too. We want your policy to offer peace of mind, so you can get on with life.

Grinnell Mutual offers a variety of coverages that are tailored to your life and your budget.

Own a home?

Grinnell Mutual believes in protecting your investment (and your sleep) with our flexible Home-Guard® insurance, which combines property and personal liability coverages.

Are you a renter?

Even if you don’t own a home, you need dependable coverage. As a renter, you should know that although your landlord’s insurance policy covers the building, it probably doesn’t cover your possessions — or protect you from liability claims. Protect your belongings (and your checkbook) with quality renter’s insurance.

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Protecting the place you call home

We pride ourselves in going the extra mile. From personal property to additional living expenses, your Grinnell Mutual homeowners or renters policy comes with coverages that help protect you from a big financial loss if something happens.

Home-Guard home insurance

Grinnell Mutual’s Home-Guard helps cover both property and personal liability. And, we offer additional homeowners insurance options for an extra layer of protection.

Your Home-Guard policy includes these coverages:

  • Dwelling and other structures
  • Personal property
  • Additional living expenses
  • Personal liability (bodily injury, property damage, damage to others’ property, and medical payments to others)
  • Personal injury

Identity theft assistance

Identity theft assistance is included with your homeowners insurance policy.

Because some of what’s most important to you — your privacy and your good name — deserves protection, too. That’s why Grinnell Mutual has partnered with CyberScout®

If your identity is compromised, an expert fraud specialist at CyberScout will walk you through the process of resolving the issues, step by step, free of charge.

Extra layers of protection

If you’re looking for a policy beyond what Home-Guard includes, we’ve got that, too. Ask your agent about optional homeowners insurance coverages like Home-Guard Plus, Water Backup, Residential Rental Property, and more.

We also offer an option to purchase equipment breakdown coverage.

Equipment breakdown

You count on all your machines and systems to keep things running smoothly at home. That’s why we’ve partnered with Mutual Boiler Re to offer this specialized coverage, which provides access to resources for repairing or replacing critical equipment, including:

  • 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

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Renters insurance 

Just because you don’t own the space you live in doesn’t mean you don’t want protection for the things you do own — things with memories, things you can’t live without, things you love.

Hold up. Doesn’t my landlord carry insurance?

Yes, your landlord carries insurance — at least, we hope they do!

However, your landlord’s insurance policy probably doesn’t cover losses to your personal property, cover you against liability claims, or pay for the cost of a place to stay while your apartment is renovated.

You need to purchase a separate renters insurance policy to protect yourself against these kinds of losses — losses that could cost you more than you think.

Grinnell Mutual’s renters insurance coverages include:

  • Personal property
  • Additional living expenses
  • Personal liability (bodily injury, property damage, damage to others’ property, and medical payments to others)
  • Personal injury

Identity theft assistance

Identity theft assistance is included with your homeowners insurance policy.

Because some of what’s most important to you — your privacy and your good name — deserves protection, too. That’s why Grinnell Mutual has partnered with CyberScout®. 

If your identity is compromised, an expert fraud specialist at CyberScout will walk you through the process of resolving the issues, step by step, free of charge.

Extra layers of protection

If you’re looking for coverage beyond what a renters policy includes, we’ve got that, too. You can buy a replacement cost option or additional coverage for your personal property. We also offer an option to purchase equipment breakdown coverage.

Equipment breakdown

You count on all your machines and systems to keep things running smoothly at home. That’s why we’ve partnered with Mutual Boiler Re to offer this specialized coverage, which provides access to resources for repairing or replacing critical equipment like kitchen and household appliances.

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The described auto, homeowners, and renters insurance coverages and discounts apply only in the Commonwealth of Pennsylvania. If you're looking for home, renters, and/or auto insurance in another U.S. state, please visit our insurance page.