Policyholder-owned · Iowa · Est. 1874
Neighbors insuring neighbors for over 150 years.
Home, farm, dwelling, and renters insurance from a mutual association owned by the Iowans it protects — with local agents and adjusters who live where you do.
Pay your bill online — anytime.
Secure payment by e-check or card through our InvoiceCloud portal. No login required.
What we protect
Coverage built for Iowa life
HomeGuard
Outstanding protection for your home and personal possessions, with liability coverage and flexible deductibles.
FarMate
Fully customizable farm coverage — homes, buildings, livestock, machinery, grain, and farm liability.
Dwelling
Purpose-built coverage for rental properties and seasonal dwellings, with optional liability.
Tenant
Protection for your personal property in a rented house or apartment, plus worldwide personal liability.
A mutual, not a corporation
Owned by the people we protect
Heritage Mutual Insurance Association was founded in 1874 by rural Iowans to carry on the “neighbor helping neighbor” tradition. A century and a half later, our claim professionals still live in the territories we serve — so when tragedy strikes, you deal with a neighbor, not a stranger.
We serve policyholders across north-central and eastern Iowa through more than 130 independent local agencies.
Our Iowa county coverage area
Storm damage? We answer 24/7.
Report a claim any time at (629) 206-3756 — a claim representative will contact you, generally within 24 hours.
Local help, close to home
Talk to an agent who knows your town
More than 130 independent agencies across Iowa represent Heritage Mutual. Find the one nearest you and get a quote from a real neighbor.