IMT Insurance: 2022 Expert Review


IMT Insurance has been in business for over 130 years and sells a variety of insurance products. You can purchase IMT Insurance products through independent agents.

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Written by
Insurance & Finance Analyst
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Reviewed by
Farmers CSR for 4 Years
UPDATED: 2022-04-07T06:38:52.583Z
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What You Should Know

  • IMT Insurance offers a wide array of insurance products
  • IMT Insurance provides coverage to a small number of states
  • You can’t get IMT Insurance quotes online

If you’re looking for home, car, or business coverage, IMT Insurance may be able to help you stay protected. Keep reading this IMT Insurance review to discover if this company is best suited for your coverage needs.

What is IMT Insurance?

IMT Insurance Company was founded in 1884. This insurance company offers standard products like auto insurance, but you can only do business with IMT if you live in:

  • Iowa
  • Illinois
  • Minnesota
  • Nebraska
  • South Dakota
  • Wisconsin

The IMT corporate office is located at 7825 Mills Civic Parkway, West Des Moines, IA 50266. You can call IMT insurance phone number 1-800-274-3531 if you would like to learn more about this company.

How does IMT auto insurance work?

The coverages provided by an IMT auto insurance policy are quite impressive. Many of the items included in an IMT policy free of charge, typically cost drivers money. You can review the coverage included in an IMT auto insurance policy here:

  • Liability
  • Medical Payments
  • Personal Injury Protection
  • Physical Damage
  • Rental Car Coverage
  • Increased Transportation Expense
  • Identity Recovery
  • New Car Replacement
  • Lock Replacement
  • Locked Vehicle
  • Pet Injury
  • Personal Property Theft
  • Glass Repair
  • Guaranteed Auto Repairs

As you can see, the protections offered by an IMT Insurance policy are nothing to sneeze at. Not only will a full coverage car insurance policy through IMT keep you street-legal, but it will also grant you optimal protections against whatever comes your way.

The Benefits of an IMT Home Insurance Policy

As was the case with its car insurance policy, IMT Insurance goes the extra distance with its home insurance policy. You can examine the coverages offered by this policy here:

  • Additional Living Expenses
  • Dwelling, Garage, and Other Structures
  • Equipment Breakdown
  • Legal Fees
  • Medical Payments
  • Personal Property Replacement Cost
  • Scheduled Personal Property
  • Underground Service Line
  • Water Backup and Sump Overflow

Remember that not all of these coverages are automatically included with your homeowners insurance policy. To determine if a home insurance policy through IMT Insurance is the right choice for you, let’s take a closer look at what protections these coverages can offer you.

Additional Living Expenses

If you suffered a covered loss that made your home unlivable, you could receive funds to cover any additional living expenses you incurred while your home was being fixed.

Dwelling, Garage, and Other Structures

Your IMT homeowners insurance policy would allow you to receive reimbursement for any damages that other structures on your property, like your garage or a shed, suffered.

Equipment Breakdown

With equipment breakdown coverage, you would be protected if there was a power surge or if any of your personal property were to break due to a mechanical or electrical breakdown.

You can protect yourself from drowning in legal fees if you find yourself embroiled in liability loss by taking advantage of IMT’s legal fees coverage.

Medical Payments

If someone is hurt on your property, your medical payments coverage will cover the costs of that individual’s medical expenses.

Personal Property

IMT personal property coverage doesn’t just cover the items residing within your home. This coverage will follow you wherever you go.

Replacement Cost

If your home was considered to be a total loss after, let’s say, a fire, you could receive up to 80% percent of your home’s replacement cost.

Scheduled Personal Property

With scheduled personal property coverage, you can get extra protection for your fine art pieces, musical instruments, jewelry, and other types of personal property.

Underground Service Line

You can be covered for damage to underground piping or wiring that provides your home with electrical power, natural gas, waste disposal, water, internet access, and telecommunications.

Water Backup and Sump Overflow

A backup from your water or sewer line can cause costly damage, but thankfully with IMT’s water backup and sump overflow coverage, you can protect your home.

The Benefits of an IMT Business Insurance Policy

There are multiple benefits to buying a business insurance policy through IMT. One of which is the wide variety of options you have to choose from. When shopping for coverage to keep your business protected, IMT Insurance can offer you:

  • Commercial Auto Insurance
  • Business Owners Insurance
  • General Liability
  • Commercial Property Insurance
  • Workers’ Compensation
  • Commercial Umbrella
  • Farm Insurance

With such an impressive array of insurance policies, you can rest easy knowing that your business is protected from every angle with IMT Insurance.

What is the cost of IMT home, auto, and business insurance?

Sample rates aren’t provided on the IMT Insurance website, but it is important to note that this insurance company’s products are sold through independent agents.

While they earn a commission from any company whose policy they sell, independent agents are not required to sell any one company’s products.

Since IMT Insurance has been in business for over 120 years, it’s safe to assume that the rates for its insurance policies are quite competitive with other insurance companies.

How do I get a quote for IMT home, auto, and business insurance?

To get a quote through IMT Insurance, you’ll need to contact an agent who sells IMT policies. Thankfully, IMT Insurance has a tool on the company website that allows you to find agents near where you live.

Does IMT have any special offers or discounts for new customers?

Depending upon the kind of policy you want to purchase through IMT, new customers can receive discounts like these:

  • Age of Home
  • Claims Free
  • Financial Stability
  • Hail Resistant Roof
  • Multi-Policy
  • Protective Device
  • Paid-in-Full
  • Good Student
  • Driver Conviction Free

Whenever you shop for insurance online, request quotes from at least five different companies. This practical step will allow you to compare not only the rates but the coverage and discount options offered by each company so you can verify that you are getting the best deal possible.

What You Need to Know About IMT Insurance

IMT Insurance offers an impressive array of coverages for home and business owners. While you can’t get quotes through the company website, you can find local independent agents who can get you free quotes.

Unfortunately, if you don’t live in one of the six states where IMT Insurance provides coverage, you won’t be able to work with this company. However, you can shop online to find the best insurance company for your coverage needs.

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