Grinnell Mutual: Overview

What states does Grinnell Mutual write in?

Grinnell Mutual writes policies in Illinois, Indiana, Iowa, Minnesota, Missouri, Nebraska, North Dakota, Ohio, Oklahoma, Pennsylvania, South Dakota, and Wisconsin.

How to obtain proof of insurance with Grinnell Mutual:

You can always find a current copy of your auto ID card when you choose your policy number from your customer website account and click the “View ID card” link. If you have any questions, please contact Customer Service at 800-362-2041 or email customer service at uwcsr@grinnellmutual.com

What information do I need when filing a claim with Grinnell Mutual?

To file a claim, you’ll need a record of date and time, location and names, as well as contact information for everyone involved in the accident, including witnesses. Descriptions of vehicles and license plate numbers are helpful and so is the insurance information of the other driver.

Who owns Grinnell Mutual insurance?

Grinnell is a mutual holding company.

What is Grinnell Mutual’s Auto Plus program?

Grinnell Mutual’s Auto Plus endorsement offers extra coverage like pet injury, airbag reinstallation, lock replacement, locked vehicle, personal property, rental car loss of use and more.

How does Grinnell Mutual’s Mile Marker program work?

The Grinnell Mutual Mile Marker Auto Loyalty Program is available to policyholders who have had their personal auto policies for at least five years and meet other underwriting guidelines. Tows are automatically included in your coverage if you are in an accident. Mile Marker provides reimbursement for towing needed for reasons other than an accident (dead battery, out of gas, etc.) if the vehicle is listed on your Dec page with Liability and Other than Collision Coverage. Mile Marker will cover up to $50 per tow, limited to two claims per six-month policy term and four claims per 12-month policy term. If you don’t qualify for Mile Marker, you can purchase extra coverage to include towing.

Does Grinnell Mutual cover windshield repair?

Yes, Grinnell covers windshield repair with the Safelite Autoglass Program, which works with nearly 9,000 repair shops in the Grinnell network.

Does Grinnell Mutual have accident forgiveness?

Grinnell’s Mile Marker Auto Loyalty program offers small at-fault accident forgiveness.

How to save on car insurance with Grinnell Mutual:

You can take advantage of Grinnel Mutual’s discounts (see above under “Discounts”) to pay less in car insurance. You can also raise your deductible amount so you pay less each month. Married people get the biggest discounts and so do safe drivers, so get married and stay out of accidents.

Does Grinnell Mutual auto insurance cover rental car?

If you select the Auto Plus coverage, it includes rental car loss of use, which extends collision coverages to any personal passenger car you or a family rents. It also covers up to $750 for indirect loss of use for a rental vehicle.

What does Grinnell Mutual Home-Guard® home insurance cover?

Grinnell Mutual Home-Guard® policy covers personal property and personal liability. Other coverages include dwelling and other structures, additional living expenses and personal injury. You can also buy other coverages like Home-Guard Plus, water backup, residential rental property and more.

Is Grinnell Mutual Equipment Breakdown coverage worth it?

Heating and cooling systems, kitchen appliances, clothes washer, and dryers are all expensive to repair and replace. Extended warranties are costly and often disappointing. This coverage provides up to $10,000 of overage for living expenses incurred if you can’t live in your home due to a covered equipment breakdown loss. Imagine paying for the costs on your own? You decide if it’s worth it.

Does Grinnell Mutual have good homeowners insurance?

Grinnell Mutual is a reputable insurer. They offer good homeowners insurance and get better than average reviews. You can also comparison shop several homeowners insurance companies by visiting here.

What does Grinnell Mutual business insurance will cover?

Grinnell Mutual business insurance covers commercial auto, cyber liability, employment practices liability, equipment breakdown, commercial umbrella, workers’ compensation, and a whole host of coverages specific to different industries that include auto services, barbershops, convenience stores, florists, churches, storage warehouses, multi-family residential homes, restaurants, veterinarians and more.

What coverage does Grinnell Mutual offer to restaurant business owners?

• Brands and Labels
• Credit Card Forgery, $25,000
• Damage to Customer’s Vehicle from Valet Parking, $25,000
• Employee Theft of Customer’s Property
• Food Contamination, $15,000
• Service Errors and Omissions, $10,000
• Special Event Cancellation, $25,000
• Spoilage, $10,000
• Utility Services, $10,000
• Wine Inventory at Menu Price, $25,000

Optional restaurant coverages include:

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Medical Payments (Med Pay)

This coverage pays for hospital bills and medical expenses for you and your passengers, regardless of who’s at fault. This coverage is required in some states.

Towing and Roadside Service

If your car needs service on the road, this protection covers the cost up to limits.

No-fault Coverage

Some states require no-fault insurance, sometimes called personal injury protection (PIP). No matter who is at fault, this covers medical, work loss and other expenses resulting from auto accident injuries.

Auto Plus

This coverage includes pet injury, airbag reinstallation, lock replacement, locked vehicle, personal property and rental car loss of use.