Our History

On April 16, 1886 a group of farmers met in Coin, Iowa to adopt by-laws, rules and regulations and to make all needful provisions for the business of Morton Farmers Mutual Insurance Association.  Little is recorded of the early history of Morton Mutual other than board meetings beginning in August 1886.

Many mutual insurance companies were formed out of necessity in the mid to late 1800’s and early 1900’s to provide protection for local farmers from fire and lightning events.

In 1969, Fremont Mutual Insurance Association in Sidney, Iowa and Farmers Mutual Insurance Association in Villisca, Iowa joined with Morton Farmers Mutual Insurance Association to form Southwest Iowa Mutual Insurance Association with the home office in Coin, Iowa.  In 1977, the home office was moved to Clarinda and is currently located at 401 S 16th St, Clarinda, Iowa.

Over the years the insurance protection provided by Southwest Iowa Mutual has evolved and broadened from the original “fire and lightning” perils but the mutual principle remains the foundation of this company.  Mutually, we can successfully insure, protect and restore one another’s property because we know the needs and conditions our communities face.  We know because the agents, directors and staff are local community members.  It truly is neighbor helping neighbor.

Policyholders are the owners of this local mutual.  This was true in 1886 and it remains the same today.  Southwest Iowa Mutual is committed to providing quality insurance coverage for your needs and your success.  Contact us or one of our independent agents today.


Southwest Iowa Mutual is a Chapter 518 county mutual allowing the Association to write in six counties:  Page, Fremont, Mills, Montgomery, Adams and Taylor.  We insure farm property for grain and livestock agricultural operations, town and suburban residences, rented dwellings, mobile homes, personal property, and public buildings.  We write the affiliated liability with our reinsurer Grinnell Mutual Reinsurance Company.  Currently, we have 4 independent agents with 6 office locations contracted to write coverage in our operating territory.  We have almost 2,000 policies with insurance in force of more than $400,000,000.  Please contact us or one of our agents with any questions.

The purpose of Southwest Iowa Mutual Insurance Association is consistent with the philosophies of the pre-1969 companies and is stated in the adopted “Statement of Purpose.”

Statement of Purpose

The purpose and objective of the Association shall be to serve all eligible property owners in its area of responsibility by providing adequate insurance protection at reasonable and stable cost, to be financially sound through good management, underwriting, loss adjusting and by furnishing the facilities for loss control through inspection, education and other means.