Rural Mutual Insurance: Providing Reliable Insurance Solutions in Rural Areas

Rural communities have unique insurance needs. Their geographical location and lifestyle require insurance coverage that can provide comprehensive protection from unforeseen circumstances. Rural Mutual Insurance understands this need and offers tailored coverage for farmers, rural homeowners, and small businesses. In this article, we will discuss everything you need to know about Rural Mutual Insurance.

History of Rural Mutual Insurance

Rural Mutual Insurance was established in 1934 as an insurance provider for farmers. Today, they continue to focus on providing insurance for rural communities in Wisconsin. They operate as a mutual insurance company, which means that their policyholders are also their members. This structure allows them to remain dedicated to the needs of the communities they serve.

Over the years, Rural Mutual Insurance has grown to become one of the largest insurers in Wisconsin. They have over 150 agents in more than 100 locations throughout the state. Their agents have a deep understanding of the rural lifestyle and are equipped to help their clients choose the right insurance coverage for their unique needs.

Types of Insurance Coverage Offered by Rural Mutual Insurance

Rural Mutual Insurance offers a wide range of insurance coverage to meet the needs of rural communities. They offer coverage for:

Auto Insurance

Rural Mutual Insurance offers auto insurance coverage for personal and commercial vehicles. Their coverage includes liability protection, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. They also offer a variety of discounts, such as safe driver discounts, multi-vehicle discounts, and anti-theft device discounts.

One unique feature of Rural Mutual Insurance’s auto coverage is their Farm Auto Coverage. This coverage is designed specifically for farm vehicles, such as tractors, combines, and farm trucks. It provides liability and physical damage coverage for these types of vehicles and can be added to a standard auto policy.

Home Insurance

Rural Mutual Insurance offers comprehensive home insurance coverage for rural homeowners. Their coverage includes protection for your home, personal property, and liability. They also offer additional coverage options, such as flood insurance, scheduled personal property coverage, and identity theft protection.

Rural Mutual Insurance’s home insurance policies also come with a unique feature called Farmstead Endorsement. This endorsement provides coverage for items that are commonly found on rural properties, such as outbuildings, fences, and windmills. It can also provide coverage for farm liability, livestock, and farm machinery.

Farm Insurance

Rural Mutual Insurance has been providing insurance coverage for farmers for over 80 years. Their farm insurance coverage includes protection for your farm, crops, and livestock. They offer coverage options such as farm liability, farm equipment, and farm structures. They also offer crop insurance through the Federal Crop Insurance program.

Rural Mutual Insurance’s farm insurance policies are designed to meet the unique needs of farmers. They offer coverage for hobby farms, small farms, and large-scale operations. Their agents have the knowledge and experience to help farmers choose the right coverage for their specific needs.

Business Insurance

Rural Mutual Insurance understands that rural businesses have unique insurance needs. They offer a variety of business insurance coverage options, such as property coverage, liability coverage, and business interruption coverage. They also offer coverage for specific industries, such as agribusiness, contractors, and retail businesses.

One unique feature of Rural Mutual Insurance’s business insurance is their Farmers’ Choice package. This package is designed specifically for farmers and includes coverage for farm liability, farm equipment, and farm structures. It also includes coverage for personal and commercial vehicles.

FAQ

Why choose Rural Mutual Insurance?

Rural Mutual Insurance has been providing comprehensive insurance coverage to rural communities for over 80 years. They have a deep understanding of the unique needs of farmers, rural homeowners, and small businesses. Their agents are knowledgeable and experienced, and they offer tailored coverage options to meet the specific needs of their clients.

How do I get a quote from Rural Mutual Insurance?

You can get a quote from Rural Mutual Insurance by visiting their website or contacting one of their agents. Their website has a simple quote request form that you can fill out to get a quote for the type of insurance coverage you need. You can also contact one of their local agents to get a quote in-person or over the phone.

What discounts does Rural Mutual Insurance offer?

Rural Mutual Insurance offers a variety of discounts to help their clients save money on their insurance premiums. Some of the discounts they offer include safe driver discounts, multi-vehicle discounts, and anti-theft device discounts. They also offer discounts for bundling multiple types of insurance coverage, such as home and auto insurance.

What is a mutual insurance company?

A mutual insurance company is a type of insurance company that is owned by its policyholders. When you purchase an insurance policy from a mutual insurance company, you become a member and have a say in how the company is run. Mutual insurance companies are often more focused on the needs of their members than for-profit insurance companies.

Does Rural Mutual Insurance offer coverage outside of Wisconsin?

No, Rural Mutual Insurance only offers coverage in Wisconsin. They have over 100 locations throughout the state and are committed to serving the unique insurance needs of rural communities in Wisconsin.

Conclusion

Rural Mutual Insurance is a trusted insurance provider for rural communities in Wisconsin. They offer comprehensive coverage options for farmers, rural homeowners, and small businesses. With over 80 years of experience, they have a deep understanding of the unique needs of rural communities and are dedicated to providing tailored coverage options to meet those needs. If you live in Wisconsin and are in need of insurance coverage, consider getting a quote from Rural Mutual Insurance.