Our Products

Town Mutuals were born out of necessity in the mid to late 1800s. During this period, farmers could not afford to purchase property insurance on their residences, personal property, and outbuildings due to the very high premiums charged. Stock insurance companies observed that when farm fires started, they were generally a total loss due to the time it took a fire department to arrive on the scene. For this reason, they were reluctant to insure farm property.

To form a company, 25 farmers were needed to insure each other’s losses. During this period multiple local insurance companies started up throughout Wisconsin. At one time there were over 300 companies called Town Mutuals which only insured for fire coverage. The idea of neighbors insuring neighbors was born. The policyholders were & are the owners of the company.

These community-founded companies were eventually organized and continue to this day to operate under the supervision of a Board of Directors elected by the company policyholders. Riverside Mutual Insurance Company is no exception. Our officers often know the policyholders personally as they spend their everyday lives among the policyholders. They are our friends and neighbors.

  • Riverside Mutual Insurance Company offers coverage for your farm, farmette or hobby farm including dwellings and outbuildings.

    In serving a rural and agricultural community for well over 100 years, we recognize the commitment it takes to be a successful farmer. All of our farm policies can be customized to fit your specific needs, whether yours is a small hobby farm or a big farming operation. Our agency is highly committed to providing you with the most affordable coverage while offering you any custom-tailored coverages you may need. We offer both the traditional policies which cover property and liability as well as many other additional coverages.

    Let our team at Riverside Mutual Insurance Company help you protect the things you value most, your family, your home and your business. Contact us today for all your insurance needs!

  • Our homes are among our most treasured possessions and investments. Homeowners insurance protects both your dwelling and your personal property in addition to providing you with liability coverage. Each homeowner policy can be custom-tailored to fit your specific and individual needs.

    Let our team at Riverside Mutual Insurance Company help you protect the things you value most, your family and your home. Contact us today for all your homeowner insurance needs!

  • As a renter, you may not be aware that having insurance to cover your own belongings is your responsibility. For instance, if you do not have a renters policy and your apartment were to burn down, your personal contents inside the building are not covered. Just imagine all the belongings you would lose in the event of a loss if you are not covered! In most cases, landlords require renters insurance and renters insurance is typically very affordable.

    Let our team at Riverside Mutual Insurance Company help you protect the things you value most, your family and your home. Contact us today for all your renter's insurance needs!

  • Dwelling fire insurance policies are usually purchased by a landlord for a dwelling which they are renting to another party. Dwelling fire insurance policies cover the building as a structure in the event of a loss. A dwelling fire insurance policy does not typically cover the contents inside the dwelling. The tenant should carry a separate renters policy for their belongings inside the dwelling.

    Let our team at Riverside Mutual Insurance Company help you protect the things you value most, your family and your home. Contact us today for all your fire insurance needs!

  • Some special items are not automatically covered by your Homeowners or Farmowners insurance policies. Special property is considered goods such as jewelry, furs, fine arts, camera/computer equipment, silverware, musical instruments, coin or stamp collections, guns, watercraft, recreation vehicles, golf carts, etc. This an optional coverage that can be added to your Homeowners or Farmowners policies.

    Let our team at Riverside Mutual Insurance Company help you protect the things you value most, your family and your home. Contact us today for all your special property insurance needs!

  • Most farms rely very heavily on equipment which is continually exposed to harsh environments and working conditions. When equipment fails, farmers incur not only the costs of fixing affected equipment but can also suffer due to business interruption and loss of production.

    Equipment Breakdown Insurance covers beyond the standard Farmowners policy:

    • Physical damage sustained by covered equipment

    • Business interruption due to equipment breakdown

    • Lost value of spoilage due to equipment breakdown

    • Mechanical breakdown

    • Shorted electrical circuits

    • Overheating, cracking or bulging of a boiler or other pressure vessel

    • Centrifugal force

    • Ammonia contamination due to equipment breakdown

    Let our team at Riverside Mutual Insurance Company help you protect the things you value most, your family, your home, and your farm. Contact us today for all your equipment breakdown insurance needs!

  • Personal liability policies provide additional coverage for things not included in your homeowners and farm owners insurance policies. These additional coverages include things such as false arrest, libel, slander and liability for owners of rental units and defense costs associated with groundless or fraudulent claims and lawsuits.

    Let our team at Riverside Mutual Insurance Company help you protect the things you value most, your family and your home. Contact us today for all your personal liability insurance needs!