Home Coverages

Protecting the place you call home

We pride ourselves in going the extra mile. From personal property to additional living expenses, your homeowners or renters policy from Grinnell Mutual or a Grinnell Mutual member comes with coverages that help protect you from a big financial loss if something happens.

Home-Guard® home insurance

A Home-Guard insurance policy from Grinnell Mutual or a Grinnell Mutual member helps cover both your property and personal liability. And, we offer additional homeowners insurance options for an extra layer of protection.

Your Home-Guard policy includes these coverages:

  • Dwelling and other structures
  • Personal property
  • Additional living expenses
  • Personal liability (bodily injury, property damage, damage to others’ property, and medical payments to others)
  • Personal injury

Extra layers of protection

If you’re looking for a policy beyond what Home-Guard includes, we’ve got that, too. Ask your agent about optional homeowners insurance coverages like Home-Guard Plus, Water Backup, Residential Rental Property, and more.

We also offer an option to purchase equipment breakdown coverage.

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Equipment breakdown

You count on all your machines and systems to keep things running smoothly at home. That’s why we’ve partnered with Mutual Boiler Re to offer this specialized coverage, which provides access to resources for repairing or replacing critical equipment, including:

  • Furnaces, heat pumps, heaters
  • Central air conditioning
  • Ventilation systems and fans
  • Well pumps
  • Chairlifts and elevators
  • Electric power panels
  • Central vacuums
  • Pool equipment
  • Boilers and water heaters
  • Backup generators
  • Kitchen and household appliances

Find an agent Learn more about equipment breakdown

Inland Marine

It doesn’t matter if you’re a vintage stamp collector or you recently inherited a diamond necklace, you can help protect your investment with additional protection for high-value items, from artwork to antiques.


Bit by bit, you’ve created a life that’s happy and whole, so investing in some peace of mind makes a lot of sense. Should you find yourself responsible for someone else’s bodily injury or property damage, Grinnell Mutual’s Umbrella insurance provides additional liability protection that goes beyond your auto, home, and watercraft policies. Reasonable rates are determined by the properties and vehicles you own, and we offer a wide range of policy limits to fit your life and budget.

Learn more about umbrella Find an agent

Identity theft assistance

Identity theft assistance is included with your homeowners insurance policy.

Because some of what’s most important to you — your privacy and your good name — deserves protection, too. That’s why Grinnell Mutual has partnered with CyberScout®.

If your identity is compromised, an expert fraud specialist at CyberScout will walk you through the process of resolving the issues, step by step, free of charge.

Learn more about CyberScout services Find an agent


Not all coverages and discounts are available in all states.