Red River Mutual is a scam outfit...
With my experience this insurance company is just an elaborate scam. I hooked up with them in 2019 and they made everything sound real good. About 5 years later I had 2 separate issues and all I got was excuses and was left to take care of everything like as if I had no insurance coverage at all and they still have the nerve to continue to take payments from me. They are a good company as long as you don't need to file a claim.