Upland Mutual Insurance

What Upland Mutual Insurance does

Upland Mutual Insurance, Inc. is a Kansas-domiciled mutual property and casualty insurance company headquartered at 2220 Lacy Drive in Junction City, Kansas. Founded in 1892 as the Farmers Alliance cooperative and chartered on June 2, 1896 as the Kansas Farmers Mutual Insurance Association, it was renamed Upland Mutual Insurance, Inc. in January 1941. The company writes six core P&C lines — homeowners, farm owners, dwelling fire, farm property, auto, and mobile home insurance — targeting both traditional and niche Kansas markets, with a particular emphasis on agricultural and rural customers reflecting its cooperative origins.

The company distributes exclusively through independent insurance agencies across Kansas, with no direct-to-consumer sales channel. Customer-facing digital infrastructure is minimal: the website supports agent search (with radius options up to 500 miles), claim filing, and bill payment via a third-party InvoiceCloud integration, while agents access policy servicing through a Mize Houser portal. The firm maintains a Demotech A financial stability rating and holds memberships in NAMIC and the Kansas Association of Property & Casualty Insurance Companies (KAPCIC). Pricing is not publicly disclosed; quotes are obtained through local independent agents.

As a mutual insurer, Upland Mutual is owned by its policyholders rather than outside shareholders, generates revenue from insurance premiums, and does not raise external capital. No acquisitions, capital raises, or product launches are recorded in the available data, and the most recent documented strategic action is the 2005 relocation to the current headquarters. The firm shows no AI, data, or technology investment signals and operates within a narrow Kansas-only geographic footprint.

Name

Upland Mutual Insurance

Legal name

Upland Mutual Insurance Inc.

Website

https://uplandmutual.com

Company type

Private

Founded year

1896

Operating status

Operating

Headcount range

11–50 employees

Short description

Upland Mutual Insurance is a Kansas-domiciled mutual property and casualty insurer serving individual, farm, and rural customers across the state since 1896, writing homeowners, farm, dwelling fire, auto, and mobile home policies exclusively through independent agencies.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Insurance Carriers (5241)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro industry

PRIMARYFSAJACAA

Homeowners Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Property Insurance (Homeowners, Renters & Commercial Property)

SECONDARYFSAJACAK

Crop & Farm Property Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Property Insurance (Homeowners, Renters & Commercial Property)

Keywords

• Property casualty insurance
• Homeowners insurance
• Farm insurance
• Auto insurance
• Mutual insurance

Headquarters

HQ city

Junction City

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Premiums: As a mutual insurance company, Upland Mutual generates revenue through collected insurance premiums from policyholders. Policyholders are members/owners of the mutual company. The company offers homeowners, farmowners, dwelling fire, farm property, auto, and mobile home insurance products.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Upland Mutual Insurance is a policyholder-owned mutual property and casualty insurer that underwrites homeowners, auto, farm owners, dwelling fire, farm property, and mobile home insurance policies for Kansas residents and farm operators. Products are quoted, sold, and serviced exclusively through a statewide network of independent insurance agencies, with no direct-to-consumer sales channel.

Product overview

Upland Mutual Insurance offers a portfolio of property and casualty insurance products through a network of independent insurance agencies across Kansas. The company's product lineup consists of six core insurance offerings: Homeowners Insurance, Farm Owners Insurance, Dwelling Fire Insurance, Farm Property Insurance, Auto Insurance, and Mobile Home Insurance. These products serve traditional and niche Kansas markets, providing cost-effective financial security and exceptional customer service. The company distributes its products through independent insurance agencies throughout the state, with roots dating back to 1896.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Insurance coverage protecting homeowners against property damage, liability, and loss of personal belongings; offered to Kansas residential property owners.
• Auto Insurance Vehicle insurance coverage protecting against accidents, liability, and property damage for automobiles; offered to Kansas vehicle owners.
• Farm Owners Insurance Comprehensive insurance coverage tailored for farm owners, protecting farm property, equipment, and operations; offered to Kansas farm operators.
• Dwelling Fire Insurance Insurance coverage specifically protecting residential dwellings against fire damage and related perils; offered to Kansas property owners.
• Farm Property Insurance Insurance coverage for farm properties including buildings, structures, and physical assets against covered risks; offered to Kansas farm operators.
• Mobile Home Insurance Specialized insurance coverage designed for mobile and manufactured homes, protecting against property damage and liability; offered to Kansas mobile and manufactured home owners.

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Two partnerships are on record, tiered minor.

• National Association of Mutual Insurance Companies (NAMIC)minorOthersUpland Mutual is affiliated with NAMIC, the largest property/casualty insurance trade organization in the US. Displayed as a logo/affiliation on the company website footer.
• Kansas Association of Property & Casualty Insurance Companies (KAPCIC)minorOthersUpland Mutual maintains membership in this Kansas-based industry association. Displayed as a logo/affiliation on the company website footer.

Scale indicators2 records

Recent moves7 records

Broad incumbents

• EMC Insurance Companies: Iowa-based P&C carrier writing commercial and personal lines through independent agents in the Midwest. Comparable regional Midwest focus and independent agency distribution, though with a heavier commercial tilt.
• Cincinnati Financial: Large publicly traded P&C insurer with a strong independent agent distribution model across the Midwest and beyond. Comparable independent agency channel and property casualty product mix, but materially larger and publicly listed.
• Auto-Owners Insurance: Larger Midwestern P&C mutual insurer distributed exclusively through independent agents. Comparable mutual structure and independent agent distribution, but with broader geographic footprint and a more diversified product portfolio.
• COUNTRY Financial: Midwest-focused insurance and financial services company (mutual holding structure) offering home, auto, farm, life, and commercial lines. Comparable rural and farm insurance heritage, though broader product and geographic footprint.

Direct peers

• German Farmers Mutual Insurance: Small Kansas-based mutual insurer offering farm, home, and auto coverage through independent agents. Direct geographic overlap in Kansas and near-identical product mix (farm owners, homeowners, auto) with mutual cooperative heritage.
• Grinnell Mutual: Iowa-based mutual P&C insurer with deep farm and rural property insurance heritage, distributed through independent agents across the Midwest. Highly comparable as a farmer-founded mutual serving agricultural communities with property and auto lines.
• Shelter Insurance: Missouri-based mutual P&C and life insurer distributed through captive agents across the central US. Comparable mutual structure, personal lines focus (home, auto), and regional Midwestern operating geography.
• Farm Bureau Financial Group: Mutual insurance group specializing in farm, home, auto, and life coverage across the Midwest. Comparable product mix (homeowners, farm, auto) and exclusive independent agent distribution model anchored in agricultural communities.
• Columbia Insurance Group: Mutual P&C carrier serving the Midwest through independent agents, with personal and commercial lines. Comparable mutual structure, regional scope, and independent agent distribution model.

Regional players

• Heartland Mutual Insurance Company: Small regional mutual P&C carrier operating in the central US with farm and property lines. Comparable scale, mutual structure, and rural/agricultural customer base, though operating in adjacent rather than overlapping states.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/upland-mutual-insurance-inc-

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Upland Mutual Insurance