Heartland Mutual Insurance Company Heartland Mutual is an insurance company owned by its policyholders committed to providing protection at a competitive rate with exceptional personal service.

Our History: Heartland Mutual began in June 1883 when Farmers Mutual Fire Insurance Society of St. Clair County Illinois resolved to organize in accordance with Illinois law as a county insurance company. The new company became known as Belleville, St. Clair County Farmers Mutual Fire Insurance Company and would write business only in St. Clair County. The company began with liabilities and assets of $2,661 and a risk in force of $421,392. Today the company has 65 counties in its writing territory, over $1.7 billion risk in force and assets in excess of $6 million.

Company Employees: Christopher M. Feldt, PFMM (Manager) Chuck Ahrens (Claims Manager) Dale Schuetz (Inspector/Adjuster) Part-Time Christine Clark (Sr. Underwriter) Liz Hood (Underwriter) Sarah Wilderman (Inspector/Underwriter) Melissa Blakeslee (Insurance Office Specialist) Jenna Hunter (Claims Coordinator/Office Assistant) Dylan Sill (Inspector/Adjuster) Eastern Region

Our Writing Territory

Heartland/Grinnell Mutual Reinsurance * AM Best rating: A (Excellent) Liability * Personal Liability (PL) * Farm-Guard Liability (FG) * Owners, Landlords & Tenants (OLT) Earthquake (10%,15% & 20% Deductibles)

Available Policy Discounts: Auto/Home discounts with GMRC 12% Dwelling & 10% PL premiums Auto/Home discounts w/o GMRC 5% Dwelling premium Longevity discounts up to 4% Claim Free discounts 9% or 12% Home security discounts 3%, 5% or 10%

Deductible & Payment Options: Offer the following deductibles: 1,000 2,500 5,000 (Farm only) 10,000 (Farm only) Offer the following payment options: Quarterly Semi-annual Annual

Products Offered: Farmowners Homeowners * Renters Insurance Rented Dwelling Mobile, Modular/ Manufactured Homes

Current Policy Breakdown:

Homeowners: Preferred Homeowners * Extended Coverage 10% * Additional Coverage – Personal Property * Equipment Breakdown Standard Homeowners * Package Policy Builders Risk Renters Insurance

Variable Replacement 50%,60% or 70% of the RCT Homeowners Levels: Preferred 100% of the RCT HG-3 100% of RCT HG-3 85% of RCT Variable Replacement 50%,60% or 70% of the RCT HG-2 ACV

Homeowners: Level 1: HG-3 Preferred 100% Level 2: HG-3 Standard 100% Dwelling age must not exceed 35 years. 700 or better credit score. No claims within the last three years that exceed $1,000. No limiting or exclusion of coverage allowed. Must be owner occupied. Must be in excellent condition and well maintained. Minimum coverage $125,000. Max coverage $400,000. Dwelling age must not exceed 50 years. 600 to 699 credit score. Prior claims allowed but all damage must be repaired and could be subject to a claim surcharge. Must be in good condition and well maintained. No limiting or exclusion of coverage allowed. Minimum coverage $125,000. Max coverage $400,000.

Homeowners: Level 3: HG-3 Standard 85% Level 4: Variable Replacement Dwelling age must not exceed 75 years 600 to 699 credit score Prior claims allowed but all damage must be repaired and could be subject to a claim surcharge Limiting and exclusion of coverage allowed. Minimum coverage $50,000 Max coverage $350,000 Will offer 50%, 60% or 70% of the RCT Dwellings that exceed 75 years or older. 600 and above credit score. (Anything lower than 600 will not be eligible for this level.) Dwelling must be occupied, in good condition and well maintained.

Homeowners: Level 5: HG-2 ACV 50% Dwelling can exceed 75 years or older. 599 or below credit score. Could be subject to a credit surcharge. No RC-90, RC-106 or RC-107 will be allowed. Minimum coverage $25,000.

Rented Dwellings: Insurance coverage for dwellings and other rented structures Plus loss of rent that you may incur in the event of a loss.

Farm Policy: Farmate / Farmguard * Other Structures must be named * Farmowners Equipment Breakdown * Commander * Custom dwellings

Variable Replacement 50%,60% or 70% Farmowners Levels: Commander 100% of RCT RC-54/RC-107 100% of RCT RC-54/RC-107 85% of RCT Variable Replacement 50%,60% or 70% RC-54 ACV 50% of the RCT RC-41P ACV 50% of RCT

Farmowners: Level 1: RC-53 Commander 100% Level 2: RC-54/RC-107 CD 100% Dwelling age must not exceed 35 years 700 or better credit score No claims within the last three years that exceed $1,000 No limiting or exclusion of coverage allowed Must be owner occupied Must be in excellent condition and well maintained Minimum coverage $125,000 Max coverage $400,000 Dwelling age must not exceed 50 years. 600 to 699 credit score. Prior claims allowed but all damage must be repaired and could be subject to a claim surcharge. Must be in good condition and well maintained. No limiting or exclusion of coverage allowed. Minimum coverage $125,000. Max coverage $400,000.

Farmowners: Level 3: RC-54/RC-107 CD 85% Level 4: Variable Replacement Dwelling age must not exceed 75 years. 600 to 699 credit score. Prior claims allowed but all damage must be repaired and could be subject to a claim surcharge. Must be in good condition and well maintained. Limiting and exclusion of coverage allowed. Minimum coverage $50,000. Max coverage $350,000. Will offer 50%, 60% or 70% of the RCT Dwellings that exceed 75 years or older. 600 and above credit score. (Anything lower than 600 will not be eligible for this level.) Dwelling must be occupied, in good condition and well maintained.

Farmowners: Level 5: RC-54 C/Dwelling 50% Level 6: RC-41P ACV 50% Dwelling can exceed 75 years or older 599 or below credit score Could be subject to a credit surcharge No RC-90, RC-106 or RC-107 will be allowed Minimum coverage $25,000 Will be placed in either class B, C or D depending on the minimum coverage amount and the condition of the structure.

Unscheduled Farm Personal Property: Livestock & Poultry Hay, Silage & Straw Farm Products Miscellaneous Equipment Farm Machinery Harvesting RC-399: Non-Depreciation of Repairs Blanket must be insured at 100% of ACV

Scheduled Personal Property: Additional insurance coverage that can be provided for such items as: Jewelry Computers Fine Arts Collectibles Guns All-Terrain Vehicles Boats

Unacceptable Risks: Wood burning stoves used as primary heat source 60 AMP electrical service Vicious dogs such as Pit Bulls, Doberman Pinschers and Rottweiler's Canceled or nonrenewed for any reason Vacant property Undergoing renovation

General Underwriting: Heartland Mutual will conduct the following on All risks: Clue report Insurance score Exterior underwriting inspection Please note that this combined information will determine the level of coverage and the amount of coverage offered

How To Get Started: Visit our website www.heartlandmutualins.net for a quote request form Vector Quoting System through the IMT Dashboard

What Information Is Needed: Name of the applicant Property address Present address Date of birth SS # Year built Insurance amount Outbuildings (Size/Year built)

Quote Request Form

Claims Handling:

Claims Handling: 24 Hour claim reporting Fast/dependable claim service by a HMIC employee Use of specialized tools in the field such as the latest in laptop/tablet technology coupled with mobile Wi-Fi to be connected in the field. This type of technology has given our adjusters the ability to connect to the main office to review policy information, access our claim management system, complete inspection reports, complete cost estimates, review desktop files and communicate directly to the underwriters via Skype/Slack or e-mail.

Applications: Can be completed on-line through our website Can be mailed, emailed or faxed in NOTE ALL APPLICATIONS MUST HAVE AN AGENT AND AN INSURED SIGNATURE BEFORE THE POLICY CAN BE ISSUED

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