1. 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.
This guide was updated July Please check our website for any changes.

2. 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 63 counties in its writing territory, over $1.7 billion risk in force and assets in excess of $6 million.

3. 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
Clint Kohnen (Inspector/Adjuster) Western Region

4. Our Writing Territory

5. 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)

6. Available Policy Discounts:
Auto/Home discounts with GMRC 12% Dwelling & 10% PL premiums
Auto/Home discounts for an in-house company 5% Dwelling premium
Longevity discounts from 5-12%
Claim Free discounts from 5-12%
Home security discounts 4%, 6% or 12%
NEWLY CONSTRUCTED HOME DISCOUNT: A 10% Dwelling Discount if your home is newly constructed and built within 2 years or less of the current year in a county or town that requires building codes and requires inspections. This discount will diminish by 2% each year until gone.
55 OR RETIRED DISCOUNT: A 2% Dwelling Discount if you are over the age of 55 or are retired.
GREEN HOME DISCOUNT: A 2% Dwelling Discount if your home is certified “Green” by the Leadership Energy and Environmental Design (LEED).
NEW WIRING DISCOUNT: A 1% Dwelling Discount if the entire home has been REWIRED by a licensed electrical contractor and has been inspected by a building code official. Must provide license number along with invoice to qualify. Cannot be combined with the Newly Constructed Home Discount.
WATER DETECTION DISCOUNT: A 1% Dwelling Discount if you have a device installed to detect overflow of water from a source such as a washer, bathtub, shower, sing or around a sump pump.
GENERATIONAL DISCOUNT: A 2% Dwelling Discount on each policy if you have 2 or more generations actively insured with Heartland Mutual. Example: Grandma/Grandpa & Mom/Dad & Son/Daughter

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

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

9. Current Policy Breakdown:

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

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

12. Homeowners: Level 1: HG-3 Preferred 100% Level 2: HG-3 Standard 100%
Dwelling age must not exceed 35 years.
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 should not exceed 50 years.
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.

13. Homeowners: Level 3: HG-3 Standard 85% Level 4: Variable Replacement
Dwelling age should not exceed 75 years.
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
Dwelling must be occupied, in good condition and well maintained.

14. Homeowners: Level 5: HG-2 ACV 50%
Dwelling can exceed 75 years or older.
No RC-90, RC-106 or RC-107 will be allowed.
Minimum coverage $25,000.

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

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

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

18. Farmowners: Dwelling age should not exceed 50 years
Level 1: RC-53 Commander 100%
Level 2: RC-54/RC-107 CD 100%
Dwelling age must not exceed 35 years
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
Dwelling age should not exceed 50 years
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.

19. Farmowners: Level 3: RC-54/RC-107 CD 85% Level 4: Variable Replacement
Dwelling age should not exceed 75 years
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.
Will offer 50%, 60% or 70% of the RCT
Dwelling must be occupied, in good condition and well maintained.

20. Farmowners: Level 5: RC-54 C/Dwelling 50% Level 6: RC-41P ACV 50%
Dwelling can exceed 75 years or older
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.

21. 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

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

23. 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

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

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

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

27. Quote
Request
Form

28. Claims Handling:

29. Claims Handling: 24 Hour claim reporting (Call in or Online)
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.
Some of Heartland’s property inspectors and adjusters are certified drone pilots. Our drones are used primarily for roof inspections.
These types of technology have 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 .

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

31. www.heartlandmutualins.net www.facebook.com/heartlandmutualins