About Us
Our History
Family Home Mutual Insurance Company is a county mutual insurance company headquartered in Bismarck, North Dakota. Family Home Mutual is the result of a multi-company merger that began in 1999 between Towner County Mutual of Cando, North Dakota, Cavalier County Mutual of Osnabrock, North Dakota, and Pembina County Mutual of Cavalier, North Dakota. Two years later, Family Home Mutual, at the time known as Northeast Mutual, merged with LaMoure-Greenfield of LaMoure, North Dakota forming one of the largest remaining county mutual insurance companies in North Dakota.
Family Home Mutual insures property within 30 counties in North Dakota. Family Mutual offers its insurance coverage through a large network of professional independent insurance agents and specialty insurance agents throughout North Dakota. In 2000, Family Home Mutual Insurance started an internal risk management service to perform home and property inspections for new and existing customers. This risk management service allow Family Home Mutual Insurance to better control internal administrative costs and keep its premiums low while taking a more active role in assessing and protecting its policyholder’s property.
A Board of Directors oversees the operation of Family Home Mutual Insurance. Family Home Mutual Insurance also takes pride in employing local North Dakotans.
Grinnell Reinsurance Company of Grinnell, Iowa reinsures Family Home Mutual Insurance for all excess claim loss. Grinnell Reinsurance Company is a 400-million dollar reinsurance company specializing in reinsurance for county mutual insurance companies and reinsures all county mutual insurance companies located in North Dakota. To learn more about Grinnell Reinsurance Company please visit www.gmrc.com.
Mission Statement
We understand the fragility of life and how random catastrophic acts of God and Mankind can change a person’s circumstances instantly. As our name implies, Family Home Mutual Insurance believes each policyholder should be treated in a caring, fair, and timely manner – like family. Through our diverse portfolio of coverage we strive to provide each policyholder with a measure of peace of mind when faced with life’s uncertainties. In the event of a covered loss, we strive to provide prompt claim assessment and settlement.
Family Home Mutual offers exceptional policy owner service with a proud tradition as a “local, community-based” insurance company. Family Mutual Insurance’s operational strategies allow us to remain efficient without wasting revenue. In this way, we can remain competitive in each of the local communities we serve while maintaining a long-standing business ethic dedicated to fostering reciprocal relationships with each policyholder. Operating like a family, Family Home Mutual Insurance is a caring and dependable financial partner available to protect your insured property.