Municipal Mutual offers competitive yet affordable rates on five lines of business. Every policy is written through a local independent agent who can tailor endorsements to fit your needs — contact an agent today for a quote.
Homeowners
The Homeowners Program provides coverage for owner-occupied residences, other structures on the premises such as a garage or outbuilding, personal property, personal liability and medical payments, debris removal, and additional living expenses. We also offer contents policies for renters that include personal liability and medical payments coverage.
Endorsements include: scheduling of specific items (guns, jewelry, musical instruments), ATV/UTV property damage coverage, personal property replacement cost, coal mine subsidence, refrigerated property coverage, and personal injury.
Mobile Homeowners
The Mobile Homeowners program provides coverage for owner-occupied mobile homes, other structures such as a garage or outbuilding, personal property, personal liability and medical payments, and additional living expense. We offer mobile home protection under an MH-1 form with no limit on the age of the unit.
Coverage is also available for awnings and porches under an MH-2 form, along with an MH-4 for contents, personal liability, and medical payments for renters of mobile homes.
Farmowners
The Farmowner program offers coverage for owner-occupied structures with farm-related exposures. A standard farm policy covers the residence, personal property, personal liability, and medical payments.
Endorsements are available to schedule farm buildings, sheds, barns, other structures, farm personal property, additional farm dwellings, animals and livestock, farm employee liability, and ATV/UTV property damage coverage.
Dwelling Fire
The Dwelling Fire program offers coverage for 1–4 family owner-occupied or rental dwellings. Coverage is available for the dwelling, other structures, loss of rental income, personal property of the owner, coal mine subsidence, and earthquake coverage. We can also insure farm buildings, equipment, machinery, and barns located on non-owner-occupied dwellings.
Property coverages available: fire, extended coverage, vandalism, and broad form.
Commercial Fire
The Commercial Fire program offers building, contents, general and OL&T liability, and medical payments coverage for small offices, businesses, apartment buildings, and churches.
Property coverages available: fire, extended coverage, vandalism, and broad form. Other endorsements with underwriting approval include: plate glass, theft, outdoor signs, loss of rents, and coal mine subsidence.