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Frontier Office

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305 Decatur Street 
PO Box 340 
Lincoln, IL 62656-0340

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Email: info@fmcmutual.com
Tel.: (217) 732-8222

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Mt. Carroll Office

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305 Decatur Street 
PO Box 340 
Lincoln, IL 62656-0340

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Email: info@fmcmutual.com
Tel.: (217) 732-8222

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Why Insure with Frontier – Mt Carroll Mutual?

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For starters, there are no shareholders – so that means we put the needs of our policyholders first. And that results in better service… suggesting ways to minimize risk… settling claims more fairly and quickly. No wonder more than 135 million policyholders choose mutual insurance to protect their property. Become a part of something bigger. Become a policyholder of a mutual.​

Product Lines​

 

Dwelling Fire

  • Policies provide actual cash value property coverage for Dwellings, Other Structures and Personal Property for owner and tenant occupied dwellings. Basic Form, Broad Form and Special Form coverages are available. Premise liability may be endorsed.

Homeowner

  • Policies provide property and liability coverage for primary and secondary residence premises. Form 4 coverage is available for tenant occupied dwellings. Optional coverages are available to customize the policy to meet your needs.

Farm Property

  • Policies provide property coverage for dwellings, barns, farm buildings, farm equipment, livestock and farm personal property. Farm Premise Only liability may be endorsed to cover the insured’s premises and incidental operations.

Farmowner

  • Policies provide coverage for the primary dwelling, farm buildings, farm equipment, livestock, and farm liability coverage. Additional coverages are available to customize the policy to meet your needs.

Personal and Farm Personal Umbrella

  • Umbrella Liability is a form of excess third party liability which provides coverage in excess of a scheduled underlying insurance and in excess of a self insured retention.

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