Oakwood Mutual’s Product & Solutions

Protecting what matters with Oakwood’s insurance products and solutions.

Oakwood Mutual is dedicated to providing reliable insurance solutions tailored to our policyholders' unique needs. From home and auto to farm, renters, and rentals, our diverse range of products ensures you can safeguard all aspects of your life.

Our affiliation with Grinnell Mutual Reinsurance Company ensures that we maintain strong financial stability and provide our policyholders with the best possible coverage. As a testament to our reliability, we are licensed by the Indiana Department of Insurance and carry an “A” rating with AM Best.

Our Products & Solutions

Oakwood Mutual is committed to providing a range of insurance products designed to protect you and your assets.

Our key products are:

Home Insurance

We offer a Homeowners policy designed to provide you with the coverages you need to protect the personal property that makes your house a home. We can service your home needs in the city or a rural area.

Farm Insurance

We offer Farm Policies to cover your farming operation. Whether hobby, grain, or livestock-focused, we have the coverage to protect you. Many endorsements are available for comprehensive coverage.

Auto Insurance

If you have a policy with Oakwood Mutual, you can receive a discount through Grinnell Mutual Reinsurance Company on your Auto Policy. For Farm Auto, Grinnell covers the farm vehicles under the standard Auto Policy by endorsement. Many options are available for your specific needs.

Liability

Liability coverage is available through Grinnell Mutual Reinsurance Company, tailored to your specific needs. Many optional endorsements are available for your home, farm, tenant, rental, and seasonal risks.

Rental/Seasonal Property Insurance

Oakwood Mutual offers a policy to provide coverage for dwellings that are seasonal, rented, or do not meet the standard homeowner’s policy requirements.

Renters Insurance (Tenant)

We offer a tenant policy covering your personal property while renting or subletting. We understand that every individual's insurance needs are unique, and we strive to provide tailored solutions that address those specific needs.

Essential Protection for Everyday Life

Home Insurance

Your home is one of your most valuable assets, and protecting it is crucial. Our home insurance policies are designed to provide comprehensive coverage for your home and personal belongings.

• Standard Homeowner’s Insurance: Comprehensive coverage for your home and personal belongings. This includes protection against fire, theft, and other common risks.
• Additional Coverage Options: Tailored solutions to address specific needs and risks. This includes coverage for valuable items, home improvements, and other unique circumstances.

Auto Insurance

Auto insurance is vital for vehicle protection. Our auto insurance policies are tailored to meet the needs of different drivers and vehicle types.

• Liability Coverage: Protects you from financial loss due to legal responsibilities. This is essential for covering damages to other people or property in case of an accident.
• Collision Coverage: This covers damages to your vehicle in case of an accident, ensuring you can repair or replace your vehicle without incurring significant out-of-pocket expenses.
• Comprehensive Coverage: Protection against theft, vandalism, and other non-collision-related damages. Knowing that your vehicle is protected against many risks provides peace of mind.

Specialized Coverage for Farm, Renters, and Rental Insurance

Farm Insurance

Farmers and agricultural operations have unique needs that require specialized coverage. Our farm insurance policies are tailored to meet the unique challenges farmers and agricultural businesses face.

• Farm Property Coverage: Protection for buildings and equipment. This includes barns, silos, and other structures essential to your farming operations.
• Equipment Coverage: Insuring tractors, combines, and other essential machinery. This ensures that your equipment is protected against damage and loss, allowing you to continue your operations without interruption.
• Livestock Coverage: This covers your animals from various risks, including illness, injury, and theft.
• Liability Coverage: Protection against legal liabilities arising from farming activities. This ensures that you are covered in case of accidents or injuries involving your farming operations.

Renters Insurance

Renters need protection for their personal property and liability coverage. Our policies are tailored to meet renters' needs and provide protection against a wide range of risks.

• Personal Property Coverage: Provides protection against theft, damage, and loss. It ensures that your belongings are covered in case of fire, theft, or other unforeseen events.
• Liability Coverage: Coverage for injuries or damages occurring in your rented home. This provides protection in case someone is injured on your property, or you accidentally damage someone else's property.
• Additional Living Expenses Coverage: Financial assistance if you need to live elsewhere due to a covered loss. This ensures you have the resources to find temporary housing while your home is being repaired.

Rental Property Insurance

We offer comprehensive property insurance policies for landlords and property investors to protect rental investments.

• Property Damage Coverage: Protection against damage to your rental property. This includes coverage for fire, vandalism, and other common risks.
• Liability Coverage: Coverage for legal responsibilities related to your rental property. This protects you if a tenant or visitor is injured on your property.
• Loss of Rental Income Coverage: Financial protection against loss of rental income due to covered damages. This ensures you can continue receiving income from your rental properties even if they are temporarily uninhabitable.

Connect with an Oakwood Mutual Agent

At Oakwood Mutual, our agents take the time to understand your specific needs and provide personalized service. This allows us to make recommendations that ensure you receive the best coverage for your unique circumstances.

With Oakwood Mutual, you can have peace of mind knowing you are well-protected against life's uncertainties.