Our Story
About Heritage Mutual
Policyholder-owned since 1874 — and proud of our Iowa heritage.
Neighbor helping neighbor, since 1874
Heritage Mutual Insurance Association is owned by our policyholders. We were founded in 1874 by rural Iowans to perpetuate the “neighbor helping neighbor” concept. Over a century of experience has made us an industry leader in farm, homeowners, renters, and seasonal property insurance.
Our innovative products and services allow us to meet policyholders’ ever-changing needs. Local agents combine personal service with the latest technology for a prompt, convenient customer experience — and our claim professionals live in the territories we serve, so you get fast and fair claim service from people who know your community.
We’re rooted in local Iowa communities and proud to support them through charitable giving, event sponsorship, local investing, and employment opportunities.
Our mission: provide quality local insurance products and services at stable, competitive rates.
Where we serve
We write coverage across north-central and eastern Iowa — the highlighted counties on the map — through more than 130 independent local agencies, with offices in Eldora, Preston, and West Union.
As a member of Grinnell Mutual, our policyholders get the strength of one of the nation’s leading reinsurers behind every policy we write.
The people behind your policy
Our Staff
Preston Office
- Bill Lampe President / Treasurer
- Michael Peterson Underwriting Program Manager
- Rick Sieverding Senior Adjuster
- Shawna Duncan, CPCU Underwriter
- Lynn Schwager Underwriter / Inspector
- Daniel Schwager Inspector
- Kathy Schmidt Office & Underwriting Assistant
- Terri Krogman Office Assistant
Eldora Office
- Jim Englin Claims Program Manager
- Corrie Melberg Office Administrator & Human Resources
- Ashley Hartwell Underwriter
- Nicole Stone Underwriter
- Zak Dolash Inspector
- Jerome Lickteig Inspector
- Hannah Roads Office Assistant
West Union Office
- Caleb Koch Underwriter
- Mark Dinan Inspector / Adjuster
- Stacie Ruroden Office & Underwriting Assistant
- Karissa Nydegger Office Assistant