Hay Creek Mutual offers competitive Homeowners Policies. We insure a number of newer and older homes. Our agents are able also package your home with an auto policy which will increase your savings. Agents can also and an umbrella policy if you so choose.

Home Guard Select: Homes that are newer or have been renovated and have a newer roof, furnace and have been re-wired and/or re-plumbed the entire house. These homes need to be insured at within 80% of replacement cost at all times.

Home Guard: Homes that are older and may or may not want to have replace cost on the home.

Rented Dwellings: These type of policies can be residences with up to four apartments in them. The houses are paid at an ACV amount in the event of a covered loss.

Tenant Guard (Renters Insurance): These are polices that cover your personal property for those that are renting an apartment, home, or mobile home.

Mobile Homes: We offer Mobile Home policies.

Other products available with Home Policies:

  • Sewer Backup of drains and sump pumps
  • Additional Other Structure Coverage
  • Identity Theft
  • Additional Replacement on Dwellings
  • Replacement coverage on personal property
  • Special Form coverage on personal property
  • Refrigerated Products coverage
  • Home - Equipment Breakdown coverage
  • Personal and Farm
  • Watercraft Liability
  • Recreational Vehicle Liability
  • Personal Injury Liability
  • Auto Policies
  • Umbrella coverage – through an agent
  • Deductible Options from 1,000 – 10,000

Inland Marine (special coverage’s available by endorsement):

  • ATV
  • Boat Hoists
  • Coins
  • Fine Arts
  • Golf Carts
  • Hearing Aids
  • Postage Stamps
  • Silverware
  • Tools & Equip.
  • Bicycles
  • Cameras
  • Computer Equip.
  • Fishing Equip.
  • Golf Equip.
  • Jewelry
  • Saddles
  • Snowmobiles
  • Wheelchairs
  • Boats
  • Cell Phone/Radio
  • Docks
  • Furs
  • Guns
  • Musical Instruments
  • Satellite Dishes

All of these policies are offered Liability coverage and we package the Liability with Grinnell Mutual. The rates are very competitive on the Liability side also.