Your Policy InsPolicyDocument_72

Your Insurance Policy
The policy you hold with Ralls County Mutual Insurance Company is a CONTRACT. It is a binding agreement between you and us in which we the Company, agree to provide benefits, reimburse losses and render services for you in return for the premium you pay for the policy.

The Application
The Application is completed by you and the agent. The application is used by the Company underwriters to process and issue your policy. It is important that you answer all of the questions on the application ethically and honestly as the company will seek specific underwriting information and reports from other insurance companies and credit bureaus to verify the information provided on the application. Upon signing the application you are verifying that the information is correct. The application becomes a part of the Insurance Policy when a policy is issued.

The Declaration Page
The Declaration Page spells out the person or persons insured, property covered, limits of coverage, deductibles, the annual policy period, mortgage/loss payee information, a listing of all the forms and endorsements attached to the policy. You will receive a declaration page when you take out a policy with our Company, and each year upon the annual renewal date.

The Policy Form and Endorsements
The Policy Form contains the insuring agreement, definitions of coverage, perils insured against, coverage exclusions, conditions and other policy provisions. Endorsements are the additional forms attached to the policy which can add coverage to the policy forms, change coverage, or exclude coverage. Endorsement forms help customize the policy to fit your specific needs.

Policy Jacket
The Policy Jacket contains the name of our Company and other specific and legal information in regard to the Company. It also states the date of the Company’s Annual Meeting.

Questions About Your Policy
If you have questions about the policy issued to you by our Company, it is best that you contact your independent agency representative. You should contact your agent if you make any changes to your property, change occupancy of the residence, purchase new personal property such as jewelry, equipment, guns, etc. which may need to be specifically insured. You should review your policy annually to ensure that you are adequately protected against losses covered under the policy.

Claims Service

Ralls County Mutual Insurance Company is known for fast and fair claim service. Whether it’s a result of damage to your home or personal property, you can count on us to process your claim efficiently.


  • Protect your property from further damage after a disaster.
  • Complete temporary repairs to prevent additional damage.
  • Contact your agent as soon as possible. If your agent is unavailable, call Ralls County Mutual Insurance directly. The toll-free number is: 877-367-3551.
  • Take notes. Write down what happened, the day and time the loss occurred, detailed description of the loss and damaged items. Take photos if necessary.
  • If the damage is caused by theft or vandalism, report it to the police immediately and check your property for missing items. Request a police report be sent to your agent as soon as possible.
  • In the event of a liability claim against you, report all available information regarding the incident to your agent.
  • Do not accept responsibility for a loss without speaking to your agent first.
  • Co-operate fully with your insurance claims adjuster.

In Case of A Disaster  Weather72

Disasters of various degrees can strike quickly and without warning. Would you know what to do if basic services like water, gas, electricity or telephones were cut off???

  • Create a disaster plan.  Discuss with your family the types of disasters that are most likely to happen and explain what to do in each case. Have a primary and secondary place to meet.
  • Create a disaster checklist. A simple checklist including posting of emergency phone numbers, show family members how to shut off electricity, gas and water lines, and know which family member is responsible for each task.
  • Practice and maintain your plan.  Quiz your kids every six months or so to make sure they remember what to do. Change batteries in smoke detectors, flashlights, and radios each year to make sure they will function properly.



When a tornado is coming, you have only a short amount of time to make life-or-death decisions. Advance planning and quick responses are the key to surviving. Before a tornado hits, designate an area in the home as a shelter and practice having everyone in the family go there in response to a tornado threat.

  • In a house with a basement:Avoid windows. Get in the basement and under some kind of sturdy protection (heavy table or work bench), or cover yourself with a mattress or sleeping bag.
  • In a house with no basement, a dorm, or an apartment:Avoid windows. Go to the lowest floor, small center room (like a bathroom or closet), under a stairwell, or in an interior hallway with no windows. A bath tub may offer a shell of partial protection.
  • In a mobile home: Get out! Even if your home is tied down, it is not as safe as an underground shelter or permanent, sturdy building. Go to one of those shelters, or to a nearby permanent structure, using your tornado evacuation plan.
  • In the open outdoors:If possible, seek shelter in a sturdy building. If not, lie flat and face-down on low ground, protecting the back of your head with your arms. Get as far away from trees and cars as you can.

Paying Your Bill

The following payment plans are available:

  • Annual
  • Semi-Annual
  • Quarterly
  • Monthly (Available only when set up on EFT)


Your bill will be mailed to you approximately 30 days prior to the due date.