Products and Services

South Central Mutual Insurance Company offers affordable, dependable personal lines property insurance coverage for residents of the following eleven South Central Wisconsin counties: Adams, Columbia, Dane, Dodge, Jefferson, Fond du Lac, Green Lake, Marquette, Sauk, Waushara and Winnebago. Our products are available through our independent agents.

The products we offer:

Farm Owners – The Company offers replacement cost and ACV coverage for farm dwellings and replacement coverage for personal property. Coverage is available for farm outbuildings, grain systems, and equipment on an ACV basis.

Farm Fire – Coverage for farms that are not owner occupied.

Home Owners – The Company offers replacement cost and ACV coverage’s for home owner’s dwellings, personal property, and private structures not attached to the dwelling. The replacement cost program is also offered for qualified risks.

Dwelling Fire – Coverage for property that is not owner occupied.

Tenants – Coverage for the personal property of those who rent.

Inland Marine – Coverage that goes beyond the limits of your home owner, farm owner, or renters policy for special items such as jewelry, furs, fine arts, guns, computers and other collectible items. We also offer coverage for recreational vehicles and small boats.

Mobile Homes – Coverage for those who live in mobile homes. Coverage is also available for the personal property of mobile home owners or renters.

Liability – Personal liability, farm owner’s liability, and liability for recreational vehicles (ATV’s, golf carts, snowmobiles, and water craft).

Builder's Risk – Protection for the dwelling under construction or homes being remodeled. Coverage is also available for theft of building materials not yet installed in the structure.

Commercial – Coverage for small businesses.

Home Based Business – Six classifications include: Office, Retail, Service, Crafts, Food and Bed & Breakfast. It can include businesses such as plant & flower sales, fruit & vegetable stand (no pick your own operations), wood products, etc.

Seasonal Residences – The Company offers replacement cost and ACV coverage for the dwelling and personal property. Liability coverage is also available. Coverage is available for Wisconsin and Non Wisconsin residents who have a seasonal home.