Business Details
Your Trusted Insurance Partner in California, MO
Since 1895, Highland Mutual Insurance has been a trusted provider of farm and home insurance in Central Missouri. Our assessment-based model, established by German-speaking farmers near California, Missouri, combines tradition with modern adaptability. Through strategic mergers with Jamestown Fire Insurance Company, Hazel Dell Mutual Insurance Company, and German Mutual Insurance Company, weve expanded our service capabilities while maintaining local expertise. Our team of experienced agents, including James Cox, Michael Inglish, Jay Bestgen, and William Inglish, delivers personalized insurance solutions tailored to rural and residential needs. Headquartered at 104 East Third Street in California, Missouri, we remain committed to community resilience through fire, wind, and liability coverage.Our officers, including President Dale Glenn and Secretary/Manager Bailey Richardson, oversee operations grounded in transparency and member-driven principles. With over 130 years of continuous service, we prioritize policyholder engagement through annual meetings and direct communication. Our unique approach balances historical assessment practices with contemporary rate structures to ensure affordability and reliability. As a state-authorized insurer, we serve Central Missouri with a focus on long-term relationships and localized risk management. Our dedication to agricultural and residential clients reflects our founding mission of neighbors helping neighbors through shared risk protection.
Services
Farm Insurance
Home Insurance
Liability Insurance
Wind Insurance
Fire Insurance
Highlights and features
- We offer over 130 years of experience in farm and home insurance.
- Our assessment-based model ensures fair, community-driven risk management.
- We maintain direct policyholder engagement through annual meetings.
- Our local agents provide personalized service in Central Missouri.
- We combine historical expertise with modern insurance practices.
Services
Farm Insurance
Farm insurance protects agricultural properties against fire, wind, and liability risks. Our policies cover structures like barns and equipment essential to farming operations. We tailor coverage to meet the unique needs of Missouri farmers.
Home Insurance
Home insurance safeguards residential properties from fire, wind damage, and liability claims. We offer customizable policies for homeowners in Central Missouri. Our coverage includes dwellings, personal belongings, and living expenses during repairs.
Liability Insurance
Liability insurance covers legal costs from accidents on insured properties. Our policies protect homeowners and farmers from financial losses due to third-party claims. We provide coverage for medical expenses and property damage liabilities.
Wind Insurance
Wind insurance covers damage from storms and high winds to homes and farm structures. We specialize in policies for Missouri's weather patterns. Our coverage includes roof repairs and structural reinforcement after wind events.
Fire Insurance
Fire insurance reimburses costs from fire damage to homes and agricultural buildings. Our policies cover rebuilding, repairs, and replacement of belongings. We use an assessment-based model to ensure fair premiums for Missouri policyholders.
People
Dale Glenn
President
Dale Glenn leads Highland Mutual Insurance as President, overseeing strategic growth and mergers. With decades of experience in agricultural insurance, he ensures the company maintains its community-focused mission while adapting to modern needs.
Bailey Richardson
Secretary/Manager
Bailey Richardson manages daily operations at Highland Mutual Insurance. Responsible for policy administration and customer relations, Bailey ensures efficient service delivery while maintaining the company's assessment-based insurance model.
James Cox
Agent
James Cox serves as an insurance agent in Barnett, Missouri. He provides personalized farm and home insurance solutions, focusing on risk assessment and policyholder education to protect rural properties in Central Missouri.
Michael Inglish
Agent
Michael Inglish offers insurance services in California, Missouri. As a local agent, he specializes in farm and residential policies, helping clients navigate coverage options and claims processes with personalized support.
Jay Bestgen
Agent
Jay Bestgen provides insurance expertise to California, Missouri residents. He focuses on farm and home policies, ensuring clients receive comprehensive coverage tailored to their agricultural or residential needs through direct consultation.
Questions
What types of insurance does Highland Mutual offer?
We specialize in farm insurance, home insurance, and liability coverage for fire, wind, and property damage in Central Missouri.
How does the assessment-based insurance model work?
Our model assesses policyholders based on identified risks rather than fixed premiums, maintaining affordability while ensuring shared responsibility among members.
Are your agents available outside California, Missouri?
Yes, our agents serve Central Missouri, including Barnett and surrounding areas, with personalized insurance consultations and policy support.
What happened during the 2024 merger with German Mutual?
German Mutual Insurance policies transitioned to Highland Mutual forms and rates starting January 1, 2024, with existing policies honored until renewal dates.
