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


Cold weather brings the risk of frozen pipes. Here are a few tips for avoiding water damage caused by frozen pipes in your home:

1. Leave faucets on a trickle during very cold spells.
2. Leave cabinet doors open to circulate warm air to pipes.
3. Cover pipes with foam insulation or insulate areas where pipes run.
4. Seal cracks to prevent cold air from entering pipe runs.
5. Keep your thermostat at 55 degrees or warmer.
6. Install a freeze alarm device to alert you to cold temperature conditions.

Thawing Tips

NEVER use a torch, heat gun, or open flame device to thaw frozen pipes. You risk burst pipes, starting a fire, and putting lives at risk.

NEVER use anything hotter than a portable hair dryer or heat lamp to thaw pipes. Move the hair dryer or heat lamp evenly over the frozen area.

Open faucets served by the frozen pipe. Start near the faucet and work back toward the suspected frozen area. This allows water pressure to assist your efforts as the ice breaks up.

For more information, see Cold Weather Loss Prevention and Dealing with Frozen Pipes under Safety & Loss Prevention Tips under the Safety tab above.


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.