Albion, Illinois · Est. 1886
Neighbors insuring neighbors in Southern Illinois.
Policyholder-owned coverage for homes and farms — for 140 years and counting.
Pay your premium online, any time.
You’ll be taken to our secure payment portal. Have your policy number handy.
Our Story
Chartered in 1886 as Farmers Albion Mutual
United Mutual Insurance Company was chartered with the Illinois Department of Insurance in 1886 — 140 years of serving the good people of Southern Illinois with their property and casualty needs.
“After all is said and done, this is your insurance company, and we are here to serve you.”
Coverage
Protection for the way you live
Home, farm, and property coverage written right here in Southern Illinois.
Homeowners
Coverage for your home, appurtenant structures, and personal property — with Additional Living Expense if a covered loss puts you out of your house.
Farms
Farm homes, outbuildings, personal property, livestock, irrigation equipment, silos, and grain bins — for owner/operators, tenant farmers, absentee owners, and hobby farms.
Renters
Tenant personal property coverage that protects what’s yours, wherever you rent.
Rented Dwellings
Property coverage for dwellings you own and rent to others, with Loss of Rents protection after a covered loss.
Mobile Homes
Single- or double-wide mobile homes and personal property, in town or out in the country.
Inland Marine
Scheduled coverage for special items — jewelry, computers, guns, and other valuables.
Liability
Farm, personal, and landlord liability coverage that stands behind you.
And More
Earthquake, commercial, recreational vehicles (ATVs, boats), and public buildings.
Backed by Grinnell Mutual
We team our policies with Grinnell Mutual of Iowa, one of the leading reinsurance companies in the United States. Through Grinnell we also offer products such as liability, earthquake, and auto coverages.
A local agent, close to home
Our independent agencies serve 35 counties across Southern Illinois — real people you can call, in towns you know.