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Homeowner Insurance
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Programs |
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Standard - Including Tenants, Condo,
and Mobilehome |
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Our Standard homeowner's program is intended
for the average to above average, owner occupied property risk. One or
two family homes are eligible. Homes must be insured for 100% of their
Replacement Cost Value and have minimum of 100-amp electrical
service. This program does allow solid fuel devices and is designed to
accommodate those risks that do not qualify for the Premier or Premier
Elite program. |
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Suburban |
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This program is designed to accommodate the
hobby type farm property or country estate. Any risk that has farm
buildings or incidental farm operations, but is not a true operating farm
would be eligible for this program. The Suburban Homeowners policy is
available in Standard, Premier, and Premier Elite. Farm buildings and
farm personal property may be endorsed onto the policy. Incidental farm
liability coverage is also available. |
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Seasonal |
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Our seasonal homeowner's is designed for the
average to above average secondary home that is occupied by the insured
periodically through out the year. In order to qualify for this program
the home must be in good condition and be used a minimum of three seasons
(spring, summer, & fall). We do
require a supporting primary residence for the insured, unless the
insured's residence is outside the state of Wisconsin. We would also
require that there be one primary owner, and that the dwelling have a
primary heat source and a minimum of 100-amp electrical service. |
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Premier |
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Our Premier homeowner's program is designed
for the newer, higher valued, single family dwelling. The dwelling must
be constructed in 1970 or later unless it has been completely updated
within the past ten years (updates would need to include new roofing,
wiring, plumbing, and heating systems). The Premier program does not
allow any solid fuel devices. All homes must be insured for 100% of their
Replacement Cost Value. |
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Premier Elite |
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This Form Five policy is available to newer,
higher valued single family dwellings constructed in 1970 or later. The
policy provides all risk coverage for Coverages A, B, C, and D. Internal
policy coverages and limits are broader and higher than any other
program. Dwellings must be insured for 100% of their Replacement Cost
value with a minimum coverage requirement of $125,000 for Coverage A.
Solid fuel appliances are not allowed. |
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Coverages |
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Fire or Lightning |
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Smoke |
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Windstorm or Hail |
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Vandalism or Malicious Mischief |
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Explosion |
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Theft |
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Riot or Civil Commotion |
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Breakage of Glass |
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Aircraft Damage |
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Falling Objects |
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Vehicle Damage |
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Weight of Ice, Sleet, or Snow |
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Accidental Discharge from Plumbing or Heating
Systems |
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Sudden or Accidental Tearing Apart, Cracking,
Burning, or Bulging of a Heating System or Water Heater |
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Freezing of Plumbing or Heating Systems |
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Sudden and Accidental Damage from Artificially
Generated Electrical Current |
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Volcanic Eruption |
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In addition, your Wisconsin Mutual Homeowners
policy provides the following coverages: |
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Personal Liability - on premise |
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Personal Liability - off premise |
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Property Damage |
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Medical Payments |
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Legal Defense Costs |
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Additional optional coverages are available.
For example: |
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Scheduled Personal Property |
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Home Under Construction |
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Blanket Valuable Items |
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Increased Limits of Coverage |
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Boat, Snowmobile, ATV, Personal Watercraft |
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Incidental Farm Property and Liability
Coverages |
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Identity Theft |
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Discounts |
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By placing your homeowner coverage with Wisconsin Mutual
you may qualify for one or more of the following discounts: |
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New Home |
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Auto/Home |
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Fire Protection and Alarm |
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Return to Products |
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