1545 N. Route 130
P.O. Box 137
Villa Grove, IL 61956
Toll-free: 800.299.2914

We appreciate our mutual members.  Thank you for putting your trust in us.

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Monitor and Protect Your Property 


Kernel Safety says you CAN prevent losses from frozen pipes, water leaks, food spoilage, and high humidity!

With a MarCELL Cellular Home Monitor, you can receive alerts by text, e-mail, or voice to notify you of changes in temperature or humidity, power outages, and even water leaks.  Imagine being able to know what is going on at your home when you are miles or even states away.

The MarCELL Cellular Home Monitor is easy to set up.  Through a web site, you set the temperature and humidity ranges you wish, plug the monitor into a wall outlet, and you are ready to go.  Several service subscription plans are available and can be as low as $8.25 per month when paid for one year ($99).

The MarCELL Cellular Home Monitor normally retails for $249.  Through a special offer from Loss Control Specialists, however, policyholders of Central Illinois Mutual may purchase the monitor for just $199, plus tax and shipping.  This special offer also includes one water sensor.  Additional sensors are available for $20.99 each.  Use them around sump pumps, washing machines, water heaters, and other areas where water leaks could cause damage.

Order online by clicking on the MarCELL device below.  Use the discount code “CIMICO” at checkout to receive the special offer.

Premium discounts are available for qualifying policies with proof of an annual service subscription.

Be sure to check out the other safety and loss prevention products available from Loss Control Specialists.


MarCELL Home Monitor 

Do NOT Text While Driving; Cell Phone Use Must Be Hands-Free

Texting while driving is illegal in Illinois and many other states.  Cell phone use while driving is also prohibited in Illinois unless you are using a hands-free device.

Beware of Unscrupulous Contractors

In the Spring 2013 issue of CIMply Safety, be sure to read the article entitled “Beware of Cons who are Pros.” There are many good local contractors. Unfortunately, storms often bring out unscrupulous “contractors” who watch weather reports and swoop into storm-damaged areas to try to make quick money before they disappear. You can read an extended paper on this subject under the Customer Service > Claims tab above entitled “Beware of Unscrupulous Contractors” or by clicking here.

Illinois Flooding

Following heavy rains during the end of December 2015, many Illinois communities were hit with severe flooding.  Our home community of Villa Grove was among those affected.  While our office is on higher ground and was not impacted, main roads in town were closed for several days.  Many residents and businesses in our community were affected.

As a result of the flooding, Illinois Governor Bruce Rauner has declared a number of counties to be disaster areas.  The Illinois Department of Insurance has issued a bulletin to all insurers with recommendations on how to deal with policyholders affected by the floods.  Central Illinois Mutual intends to abide by those recommendations wherever practical when we are notified that a policyholder has been affected.  You can read the bulletin by clicking here.

Illinois Attorney General Lisa Madigan has also issued a press release warning Illinois residents about possible flood-related home repair scams and how to protect yourself from such scams.  Read the press release by clicking here.


Thank you for navigating to our web site! Please feel free to browse around and get to know us. Use the Agent Locator to find a professional independent agent representing Central Illinois Mutual. By representing more than one company, independent agents are able to tailor your complete insurance program to meet your needs.

Our Mission Statement

For more than 100 years, our mission at Central Illinois Mutual Insurance Company has been to protect our policyholders from catastrophic financial loss by providing:

  • Quality insurance products through local professional independent agents,
  • Superior claims service, and
  • Excellent hometown customer service.

Our Services

We specialize in farm property insurance. We also provide insurance for homes, rental dwellings, tenants, and mobile homes. We offer special discounts for qualifying insureds, including newer homes, brick homes, and two levels of claim-free discounts.

Farm liability and personal liability coverages are provided through Grinnell Mutual. Auto/home discounts are available for customers who write their property insurance with Central Illinois Mutual and their auto insurance with Grinnell.

Why Choose A Mutual?

The mutual concept is the essence of insurance. As a policyholder, you agree to share in the losses of others in exchange for the peace of mind knowing others will share in your losses. You become a member of your mutual.

The company board of directors and staff work to facilitate the day-to-day operations and to strengthen the company. We exist to serve our policyholders rather than to provide a return on investment to outside stockholders.