Homeowner’s Insurance

Danish Mutual offers a wide range of products to meet your residential insurance needs. We offer policies providing broad protection for owners of dwellings, condominiums, and mobile homes, as well as renters. The Danish Mutual policies provide protection for your dwelling, personal property, other structures on the premises, and coverage for additional living expenses you incur when your residence becomes untenable as a result of a loss covered by your policy. We also include personal liability protection to protect you in situations where you are held responsible for injury to another person or damage to another person’s property. We provide policies insuring your property on either a replacement cost or actual cash value basis.

Danish Mutual is also one of the limited number of companies able to offer equipment breakdown coverage. This optional coverage will insure you for loss to your heating and central air conditioning systems, water heater, and other permanently installed systems in your dwelling. Please contact your local Danish Mutual Insurance agent for more information about this valuable coverage.

Find an Agent


Farmowner’s Insurance

When Danish Mutual began writing insurance in 1886, farms were all that we insured. To this day, farms still make up a majority of our business. Whether you have a large row crop operation, cattle farm, confinement operation, or a small acreage, Danish Mutual has the coverage options to meet your needs. With several discounts and options available, such as our Equipment Breakdown Coverage, we can tailor a policy designed to meet your individual needs.

With almost 125 years of experience and commitment to our policyholders, you can count on Danish Mutual to be here for you when accidents or unexpected events happen. Please contact your local Danish Mutual agent for more information about our farm insurance options.

Find an Agent


Renter’s Insurance

Many renters fail to purchase insurance to protect their possessions, believing either that they don’t really have very much in the way of personal property, or that the cost of the insurance would be prohibitive. Consider items such as flat screen televisions, video game consoles, furnishings, clothing, pictures, etc. It doesn’t take long before you have a significant amount of money tied up in these possessions. At Danish Mutual, we can provide coverage for your personal property, along with personal liability to protect you in circumstances where you are held liable for injury to another person or damage to another person’s property. Premiums start as low as $120 per year. Don’t risk losing everything you own from risks such as fire, windstorm, theft, and other perils. Contact your local Danish Mutual Insurance agent for a quote, or more information about our renter’s insurance.

Find an Agent


Rental Property Insurance

Do you own residential rental property? If you do, and Danish Mutual insures your primary residence (if you reside within our operating territory), we can insure 1-4 family rental dwellings. We offer basic and broad form coverages and can also insure appurtenant structures such as a personal garage or storage shed, personal property you own in the rental dwelling, such as a refrigerator, stove, washer and dryer, and provide protection for loss of rents when the dwelling becomes unfit for occupancy due to a loss covered under the policy. Please contact your local Danish Mutual agent for more information about our rental property insurance program.

Find an Agent