Our Services

German Mutual Insurance Association offers a variety of property casualty insurance products for people living in Calhoun and surrounding counties. We specialize in catering to the small towns and farm communities in northwest Iowa.

We offer fire and wind insurance protection to dwellings at Actual Cash Value (ACV) or Replacement Cost (RC) as well as insuring the many farm-related buildings and equipment which is so important in our rural setting. In addition to insuring property, we also provide liability coverage through Grinnell Mutual Reinsurance Company (an AM Best "A" rated company) which is one of the largest farm mutual reinsurance companies in the world.

Property Products

  • Dwellings (ACV coverage to Replacement Cost)
  • Mobile Homes
  • Manufactured Homes
  • Seasonal Homes / Cabins
  • Dwellings under construction
  • Theft of Building Materials
  • Coverage C – Personal Property (ACV, Rental, Replacement Cost)
  • Farm Outbuildings and Structures (Barns, Cribs, Machine Sheds, Silo‚Ķ)
  • Garages
  • Grain Bins / Drying Bins
  • Ag Confinements (Hog or Cattle – NO Poultry)
  • Comprehensive Coverage for Outbuildings (snow load, vehicle)
  • Farm Personal Property
  • Blanket Coverage
  • Cab Glass
  • Suffocation of Animals
  • Blizzard Coverage for Livestock
  • Peak Season – Grain, Livestock or Seed Held for Sale
  • ATV (Farm Use Only)
  • Farm Interruption Coverage
  • Outside Wiring
  • Water pumps & submersibles
  • Sewer & Drain Coverage
  • Refrigerated Products
  • Earthquake
  • Satellite Dishes / Antenna’s
  • Tennant Improvements

Inland Marine Products

  • Antiques and Collectors Items (With and Without Breakage)
  • Bicycles
  • Boats & Motors
  • Cameras & Accessories
  • Cellular / Mobile Phones & Hand Held Radios
  • Coin Collections
  • Computers
  • Docks and Lifts
  • Fine Arts & Collectables
  • Furs
  • Golf Carts and Trailers
  • Golf Equipment
  • Guns & Sporting Goods
  • Hearing Aids
  • Jewelry
  • Medical Equipment
  • Musical Instruments
  • Office Equipment in Home
  • Radio Repeater / Tower
  • Saddles, Bridles & Tack Equipment
  • Silverware
  • Stamp Collections
  • Survey Equipment
  • Tools