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Insurance FAQ's
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Customer Service
Has the reinsurance program at Central Illinois Mutual changed recently?
What is reinsurance?
What can we do to avoid having a loss?
What should we do before a loss occurs?
Do you have any advice on how to select a contractor to repair storm damage?
Will filing a claim increase my premium?
How do I report a claim?
What should we do after a loss?
What is Replacement Cost?
What is Actual Cash Value?
What is depreciation?
What is the purpose of a deductible?
f I make improvements to my home, will that change my coverage needs or my premium?
How do I make a change to my policy?
Can I pay my premium online?
Can I pay my Central Illinois Mutual insurance premium using my credit card?
How much grace period do I have for paying my premium?
How far in advance do you send out billing statements?
My policy shows two companies—Central Illinois Mutual and Grinnell Mutual. Why?
What is the difference between a mutual insurance company and a stock insurance company?