In the late 1800's, Missouri farm mutual insurance associations were formed to help farmers build back after fire losses. To join, a member paid a $1 membership fee and identified risks -- $300 house, $80 barn, etc. When a loss occurred the member was assessed a percentage of the risk. Today, most companies have a premium charge. Highland Mutual has still maintained the assessment basis, but has established rates similar to premium charges.
Over the years, Highland Mutual has merged with neighboring mutual insurance companies. The Annual Meeting is held each year on the last Saturday in February at the company office located at 104 East Third Street in California, MO. Policy holders are encouraged to attend the Annual Meeting which begins at 1:00 p.m.
Over the years, Highland Mutual has merged with neighboring mutual insurance companies. The Annual Meeting is held each year on the last Saturday in February at the company office located at 104 East Third Street in California, MO. Policy holders are encouraged to attend the Annual Meeting which begins at 1:00 p.m.
Services
Highland Mutual offers annual and semi-annual payment plans There is a $10.00 fee for each installment billing on the semi-annual payment plan.
If a payment is not received by due date, a cancellation notice for nonpayment is issued and the policy coverage is null and void.
If the company elects to reinstate the policy, the assessment/amount due and a $25 reinstatement fee must be paid.
An insufficient funds payment will result in the insufficient funds fee being charged to the insured.
If a payment is not received by due date, a cancellation notice for nonpayment is issued and the policy coverage is null and void.
If the company elects to reinstate the policy, the assessment/amount due and a $25 reinstatement fee must be paid.
An insufficient funds payment will result in the insufficient funds fee being charged to the insured.
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