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Enrolling in Pay by Text with Farmers Mutual Insurance

Farmers Mutual Insurance now offers a number of different easy and convenient ways for our insureds to pay their insurance premium.  One of these services is Pay by Text offered through our payment vendor service, Invoice Cloud.  

Pay by Text is a quick and easy to use payment solution that essentially anyone with a mobile phone can use.  It is not only easy but Pay by Text is also a secure way to pay your bill.  It requires no personal or account details to be released in order to make a payment or to be manually entered in the open which makes it hard for hackers to steal the information.

Click here for a step-by-step guide on how to set up your pay-by-text payment.

If you are a current Farmers Mutual Insurance policy holder and would like to enroll in the Pay by Text Feature, we have included a step-by-step instruction guide to walk you through the process.  If at any time you have questions or need assistance with getting things set up, contact our office and a staff member will be happy to assist you.

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After the Storm

Wind and Hail events can be traumatic experiences and can also cause serious damage to buildings and personal property. In events like this, Farmers Mutual Insurance is here to help you!

In large storm events, we may not be able to get to your property immediately but you will at least be contacted within that first week and a time will be scheduled for someone to come out and inspect your property.

What You Should Do After a Storm?

  • Stay in a Safe Place until the Storm Ends
  • Inspect Your Property for Damage. If you find any holes in the roof, siding or windows; immediately weather proof those areas to prevent further damage.
  • Call you agent or Farmers Mutual to report a claim. You can also submit a claim via our website under the Claims Center.

Keys to a Successful Repair Experience

  • Deposits: Be cautious about paying a deposit, most local reputable companies won’t require one.
  • PatienceDon’t be in a hurry to hire the first contractor that comes to your door.
  • HomeworkResearch and visit with other people before committing to a roofing or siding repair company
  • AgreementsBe wary of signing contracts or contingency agreements. These are often vague on specific details regarding workmanship or warranty. Know the terms of the contract and what rights you may be forfeiting in doing so.

The staff at Farmers Mutual Insurance is here to help you! Our number one priority is restoring your property after it has sustained a loss.

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Got Beef? Celebrate Beef Month!

May is National Beef Month.  The livestock industry is one of the largest and strongest segments of the US Agricultural industry.

Beef Month Fun Facts

  • US Provides 25% of World's Beef
  • Farmers Mutual Insurance Insures $800 Million Worth of Cattle in NW Iowa
  • In 2020, We covered cattle losses due to Freezing, Drowning, Lightning, and Heat Stress, just to name a few!

Farmers Mutual Insurance provides important coverages for our cattle producers, from coverage on actual livestock, to cattle buildings and the equipment needed to run a successful cattle operation.

Join us in celebrating and supporting all those who work so hard to provide us with America’s favorite protein!

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Have You Cleaned Your Gutters Lately?

Clean Your Gutters Lately?

Routine cleaning of you gutters can prevent damage to your roof, home exterior and foundation.  It can also help prevent water from running down your home’s foundation and seeping into your basement or crawlspace.  Allowing water to continue to run along your foundation also increases your risk for the development of mold on the interior of the foundation walls posing a potential help risk to you and your family.

Foundation repairs are expensive and often not covered by insurance due to the damage occurring from an ongoing maintenance problem and not a one-time event. 

Spending an afternoon cleaning the gunk out of your gutters and downspouts can potentially save you thousands of dollars in repairs and hours of your time trying to clean up water that has leaked into your basement and removing the damaged items. 

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Announcing the Recipients of the 2021 Farmers Mutual Insurance Service Award Scholarship

Every year Farmers Mutual Insurance sponsors 20 college scholarships for high school seniors whose parents are policy holders and currently attend a local northwest Iowa high school. The purpose of this scholarship is to award those who have a record of academic excellence and service to their community.

We are proud to announce the following recipients for the 2021 Farmers Mutual Service Award Scholarship:

  • Bailiee Jauer                     Hinton High School
  • Brayden Schmidt               Le Mars Community High School
  • Caitlyn Beyer                     Boyden-Hull High School
  • Charlee Petersen              Woodbury Central High School
  • Chase TerWee                   West Lyon High School
  • Edwin Buiter                     Unity Christian High School
  • Evan Jungers                     Sheldon High School
  • Hannah Dau                      South O’Brien High School
  • Jackson Boustead              Kingsley-Pierson High School
  • Kendra Husman                Cherokee Washington High School
  • Kristina Goth                     MMCRU High School
  • Lexie Van Kekerix              Rock Valley High School
  • Madelynn Munsen            Akron Westfield High School
  • Natasha Sampson             MOC-Floyd Valley High School
  • Nate Springer                    Central Lyon High School
  • Olivia Grooters                  Hartley Melvin Sanborn High School
  • Rachel Langel                    Gehlen Catholic High School
  • Samantha Vermeer          Sioux Center Community High School
  • Sierra Meyer                     Trinity Christian High School
  • Tyson Boer                        Western Christian High School

We at Farmers Mutual would like to say congratulations to these astounding high school seniors and wish them the best on their future college endeavors!

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Invoice Cloud

At the beginning of 2020, Farmers Mutual Insurance was excited to partner with Invoice Cloud to broaden and enhance our payment options available to our insureds.  The ability to offer multiple payment solutions and having a streamlined online user experience is only becoming more important in today’s changing world. 

Invoice Cloud is a leading provider of PCI compliant, secure electronic payments and the highest adopting Electronic Bill Presentment and Payment (EBPP) solutions.  Founded in 2009, Invoice Cloud is a high growth company with over 2,100 clients across the United States and over 50 million payments processed annually. Invoice Cloud’s platform is designed to consistently engage customers to yield more online payments and paperless enrollments, driving positive business outcomes for billing clients.

Online Payment Options

  • View your bill and make a payment
  • Sign up for automatic payments or go paperless
  • Skip registration to make a one-time payment or view a single bill

Pay by Text

  • Easy and convenient way to pay bills on-the-go
  • Receive statements on your mobile device
  • Simple online registration

Email Notifications

  • When your bill is ready for payment
  • Just before the due date
  • When payment is pending or automatic payments
  • If your credit / debit card is expired or about to expire

This new and improved payment portal can be accessed on the Payment Center tab on our website  If you have any questions about these new features or need help with registering for an account, you can contact our office and we would be happy to assist you!

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Equipment Breakdown Coverage

Equipment Breakdown Coverage has been available on our policies for just over 10 years now. 

What started out as an unknown “add on” coverage has proven itself to be a very valuable addition to any farm or homeowners policy, as it covers the following items and many more:

  • Air Conditioners
  • Furnaces
  • Refrigerators
  • Dishwashers
  • Generators
  • Heat Pumps
  • Irrigation Systems
  • Water Heaters

In the first year we offered it, we had 3 claims.  

So far this year we have already had over 75 claims.  

Let’s go over some of the basics of this coverage.

There are actually two ways to add this coverage to your policy. 

The first option is to add it to your Farmers Mutual policy.  This coverage is actually provided by a company named Mutual Boiler Re.  They are based out of Malvern, Pennsylvania, and are experts in handling this type of coverage.  

Through a partnership with our reinsurance company Grinnell Mutual, we have the ability to provide this coverage on any farm, home, or dwelling fire policy.  

The claims are submitted by our mutual, and adjusted over the phone by Mutual Boiler Re.  This process may seem a little complicated, however, we have found that this has actually worked very smoothly over the years.  

If you ever have a question on your claim, you can call in to our claims manager, Jerry Keizer, at 712-439-1722 and he will be able to help you. 

The second way is to add this coverage to your IMT personal or farm liability insurance.  

This will require that you have an IMT liability policy.  This coverage is provided by a company named Hartford Steam Boiler in partnership with IMT.  The claims will be handled by Hartford Steam Boiler

Both Mutual Boiler RE and IMT provide a very similar coverage.  

Why add this policy?

It fills a gap.

Mechanical failure is not covered under your Farmers Mutual policy.  

This policy will cover mechanical failure on appliances and home or farm equipment that utilize electricity.  

So, this equipment breakdown coverage fills that gap nicely.  

Here's a review of how you can get equipment breakdown coverage

Equipment Breakdown Insurance Summary

Provided by Farmers Mutual Insurance 

Option 1: Add to Farmers Mutual Policy

  • Delivered Through: Farmers Mutual
  • Claims Handled by: Mutual Boiler Re
  • Covers Equipment on Farms, Homes, or Outbuildings
  • Average Cost per Year: $40-$100
  • Deductible: usually $500

Option 2: Add to IMT Liability Policy

  • Delivered Through IMT Insurance
  • Claims Handled by: Hartford Steam Boiler
  • Covers Equipment on Farms, Homes, or Outbuildings
  • Average Cost per Year: $40-$100
  • Deductible: usually $500


The cost of the coverage depends on whether it is for a farm or home, but the price range is typically between $40 and $100 per year.  The deductible can vary as well, but is typically $500.   

If you have any questions about this coverage, or would like to add it.  Please contact your current Farmers Mutual Insurance agent, or see our agent locator to find an agent near you!