Heartland Mutual Insurance Company - Protection at a Competitive Rate

1. Heartland Mutual Insurance Company Heartland Mutual is an insurance company owned by its policyholders committed to providing protection at a competitive rate with exceptional personal service. This guide was updated July 2019. Please check our website for any changes.

2. Our History: Heartland Mutual began in June 1883 when Farmers Mutual Fire Insurance Society of St. Clair County Illinois resolved to organize in accordance with Illinois law as a county insurance company. The new company became known as Belleville, St. Clair County Farmers Mutual Fire Insurance Company and would write business only in St. Clair County. The company began with liabilities and assets of $2,661 and a risk in force of $421,392. Today the company has 63 counties in its writing territory, over $1.7 billion risk in force and assets in excess of $6 million.

3. Company Employees: Christopher M. Feldt, PFMM (Manager) Chuck Ahrens (Claims Manager) Dale Schuetz (Inspector/Adjuster) Part-Time Christine Clark (Sr. Underwriter) Liz Hood (Underwriter) Sarah Wilderman (Inspector/Underwriter) Melissa Blakeslee (Insurance Office Specialist) Jenna Hunter (Claims Coordinator/Office Assistant) Dylan Sill (Inspector/Adjuster) Eastern Region Clint Kohnen (Inspector/Adjuster) Western Region

4. Our Writing Territory

5. Heartland/Grinnell Mutual Reinsurance * AM Best rating: A (Excellent) Liability * Personal Liability (PL) * Farm-Guard Liability (FG) * Owners, Landlords & Tenants (OLT) Earthquake (10%,15% & 20% Deductibles)

6. Available Policy Discounts: • Auto/Home discounts with GMRC 12% Dwelling & 10% PL premiums • Auto/Home discounts for an in-house company 5% Dwelling premium • Longevity discounts from 5-12% • Claim Free discounts from 5-12% • Home security discounts 4%, 6% or12% • NEWLY CONSTRUCTED HOME DISCOUNT: A 10% Dwelling Discount if your home is newly constructed and built within 2 years or less of the current year in a county or town that requires building codes and requires inspections. This discount will diminish by 2% each year until gone. • 55 OR RETIRED DISCOUNT: A 2% Dwelling Discount if you are over the age of 55 or are retired. • GREEN HOME DISCOUNT: A 2% Dwelling Discount if your home is certified “Green” by the Leadership Energy and Environmental Design (LEED). • NEW WIRING DISCOUNT: A 1% Dwelling Discount if the entire home has been REWIRED by a licensed electrical contractor and has been inspected by a building code official. Must provide license number along with invoice to qualify. Cannot be combined with the Newly Constructed Home Discount. • WATER DETECTION DISCOUNT: A 1% Dwelling Discount if you have a device installed to detect overflow of water from a source such as a washer, bathtub, shower, sing or around a sump pump. • GENERATIONAL DISCOUNT: A 2% Dwelling Discount on each policy if you have 2 or more generations actively insured with Heartland Mutual. Example: Grandma/Grandpa & Mom/Dad & Son/Daughter

7. Deductible & Payment Options: • Offer the following deductibles: • 1,000 • 2,500 • 5,000 (Farm only) • 10,000 (Farm only) • Offer the following payment options: • Monthly EFT • Quarterly • Semi-annual • Annual

8. Products Offered: • Farmowners • Homeowners * Renters Insurance • Rented Dwelling • Mobile, Modular/ Manufactured Homes

9. Current Policy Breakdown:

10. Homeowners: Preferred Homeowners * Extended Coverage 10% * Additional Coverage – Personal Property * Equipment Breakdown Standard Homeowners * Package Policy * Equipment Breakdown Builders Risk Renters Insurance

11. Homeowners Levels:

12. Homeowners: Level 1: HG-3 Preferred 100% Level 2: HG-3 Standard 100% Dwelling age should not exceed 50 years. Prior claims allowed but all damage must be repaired and could be subject to a claim surcharge. Must be in good condition and well maintained. No limiting or exclusion of coverage allowed. Minimum coverage $125,000. Max coverage $400,000. • Dwelling age must not exceed 35 years. • No claims within the last three years that exceed $1,000. • No limiting or exclusion of coverage allowed. • Must be owner occupied. • Must be in excellent condition and well maintained. • Minimum coverage $125,000. • Max coverage $400,000.

13. Homeowners: Level 3: HG-3 Standard 85% Level 4: Variable Replacement Will offer 50%, 60% or 70% of the RCT Dwelling must be occupied, in good condition and well maintained. • Dwelling age should not exceed 75 years. • Prior claims allowed but all damage must be repaired and could be subject to a claim surcharge. • Limiting and exclusion of coverage allowed. • Minimum coverage $50,000 • Max coverage $350,000

14. Homeowners: Level 5: HG-2 ACV 50% • Dwelling can exceed 75 years or older. • No RC-90, RC-106 or RC-107 will be allowed. • Minimum coverage $25,000.

15. Rented Dwellings: • Insurance coverage for dwellings and other rented structures • Plus loss of rent that you may incur in the event of a loss.

16. Farm Policy: Farmate / Farmguard * Other Structures must be named * Farmowners Equipment Breakdown * Commander * Custom dwellings

17. Farmowners Levels:

18. Farmowners: Level 1: RC-53 Commander 100% Level 2: RC-54/RC-107 CD 100% Dwelling age should not exceed 50 years Prior claims allowed but all damage must be repaired and could be subject to a claim surcharge. Must be in good condition and well maintained. No limiting or exclusion of coverage allowed. Minimum coverage $125,000. • Dwelling age must not exceed 35 years • No claims within the last three years that exceed $1,000 • No limiting or exclusion of coverage allowed • Must be owner occupied • Must be in excellent condition and well maintained • Minimum coverage $125,000

19. Farmowners: Level 3: RC-54/RC-107 CD 85% Level 4: Variable Replacement Will offer 50%, 60% or 70% of the RCT Dwelling must be occupied, in good condition and well maintained. • Dwelling age should not exceed 75 years • Prior claims allowed but all damage must be repaired and could be subject to a claim surcharge. • Must be in good condition and well maintained. • Limiting and exclusion of coverage allowed. • Minimum coverage $50,000.

20. Farmowners: Level 5: RC-54 C/Dwelling 50% Level 6: RC-41P ACV 50% Will be placed in either class B, C or D depending on the minimum coverage amount and the condition of the structure. • Dwelling can exceed 75 years or older • No RC-90, RC-106 or RC-107 will be allowed • Minimum coverage $25,000

21. Unscheduled Farm Personal Property: • Livestock & Poultry • Hay, Silage & Straw • Farm Products • Miscellaneous Equipment • Farm Machinery • Harvesting • RC-399: Non-Depreciation of Repairs • Blanket must be insured at 100% of ACV

22. Scheduled Personal Property: Additional insurance coverage that can be provided for such items as: Jewelry Computers Fine Arts Collectibles Guns All-Terrain Vehicles Boats And More!

23. Unacceptable Risks: • Wood burning stoves used as primary heat source • 60 AMP electrical service • Vicious dogs such as Pit Bulls, Doberman Pinschers and Rottweiler's • Canceled or nonrenewed for any reason • Vacant property • Undergoing renovation

24. General Underwriting: • Heartland Mutual will conduct the following on All risks: • Clue report • Exterior underwriting inspection • Please note that this combined information will determine the level of coverage and the amount of coverage offered

25. How To Get Started: • Visit our website www.heartlandmutualins.netfor a quote request form • Vector Quoting System through the IMT Dashboard

26. What Information Is Needed: • Name of the applicant • Property address • Present address • Date of birth • SS # • Year built • Insurance amount • Outbuildings (Size/Year built)

27. Quote Request Form

28. Claims Handling:

29. Claims Handling: • 24 Hour claim reporting (Call in or Online) • Fast/dependable claim service by a HMIC employee • Use of specialized tools in the fieldsuch as the latest in laptop/tablet technology coupled with mobile Wi-Fi to be connected in the field. • Some of Heartland’s property inspectors and adjusters are certified drone pilots. Our drones are used primarily for roof inspections. • These types of technology have given our adjusters the ability to connect to the main office to review policy information, access our claim management system, complete inspection reports, complete cost estimates, review desktop files and communicate directly to the underwriters via Skype/Slack or e-mail.

30. Applications: • Can be completed on-line through our website • Can be mailed, emailed or faxed in • NOTE ALL APPLICATIONS MUST HAVE AN AGENT AND AN INSURED SIGNATURE BEFORE THE POLICY CAN BE ISSUED

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