Personal Insurance

Community Mutual Insurance Company provides coverage and service to our agents and policyholders for the following Lines of Business:

Homeowners

  • Preferred Homeowners (An owner-occupied home built in the last 25 years)
  • Standard Homeowners
  • Seasonal and Secondary Homeowners

Property and Liability Package Insurance coverage is provided for 1 or 2 family owner-occupied dwellings. Coverage for loss to the residence, private structures, personal property, additional living expenses and comprehensive personal liability coverage is provided all in one policy.

Mobile (Manufactured) Homeowners

Property and Liability Package Insurance coverage is provided for 1 or 2 family owner-occupied manufactured home and tenant occupied manufactured homes. Coverage for loss to the dwelling, other structures, personal property, loss of use and comprehensive personal liability coverage is provided all in one policy.

Farmowners

Property and Liability Insurance coverage is provided for owner-occupant of a farm, owner-non-occupant of a farm if the farm is tenant operated under the Named Insured’s management or a tenant who occupies a farm residence.

Landlords Package

Fire, Allied Lines and Liability Insurance coverage is provided for 1 and 2 family non-owner occupied dwellings and 3 and 4 family owner and non-owner occupied dwellings.

Dwelling Fire

Fire and Allied Lines Insurance coverage is provided for Residences, Farm Residences, Related Private Structures, Manufactured Homes and Personal Property in Residences and Apartments.

FLOOD INSURANCE

Most homeowner policies do not cover flood damage. Should you have Flood Insurance? Get answers and learn about the National Flood Insurance Program here.

A listing of NFIP participating communities is available atwww.fema.gov/fema/csb.shtm.

Further general information about the NFIP, including a quick test of whether your property is in a low, moderate or high risk zone, can be found atwww.floodsmart.gov/floodsmart/.

More information can be found in NFIP's brochure here.