Insuring Houses

**Owner-occupied or tenant-occupied, from one to four families**

Coverage for 1 to 2-family homes which are occupied by the owner.

Preferred Homeowners – for homes less than 30 years old with no farm-type exposures

Personal Liability coverage is included for vacant acreage
New Home Credit already applied
Credits for non-smoker, fire extinguisher, dead-bolt locks & central station alarms are available.
Home is occupied at least six months of the year
Superior maintenance with smoke alarms installed
Thermostat-controlled central heat – no chunk wood stoves
All vacant land included in Personal Liability
Incidental Office occupancy may be permitted
Guaranteed Replacement Cost (125% cap) is available
Inland Marine coverages can be added
Modular Homes are eligible

Standard Homeowners

Personal Liability coverage is included for vacant acreage
New Home credit if less than 30 years old
Renovation Credits available: Electrical 5%, Heat 5%, Plumbing 5% if within 30 yrs & Roof 5% if within 10 yrs.
Credits for non-smoker, fire extinguisher, and dead-bolt locks are available
Thermostat-controlled central heat – supplementary heating allowed
All vacant acreage is included in personal liability.
Farm Liability coverage required only if there are any large farm animals harbored on the premises or any farming done.
May be available for Double-wide manufactured homes
Central Station fire/smoke and burglary alarm credit available
Inland Marine coverage's can be added
Permanently Installed Generators are available for credit. (Portable Generators are not eligible.)

Dwelling Fire Policy (Fire Pack)

May be occupied by tenants (does not need to be owner-occupied)
Liability coverage can be added - Personal Liability, Farm Liability on premises only as applicable.
Amount of coverage can be specified individually for the house and contents
Perils Forms include Basic Perils, Broad Form Perils or Special Form Perils
If eligible, theft of personal property can be added. (Owner occupied, primary residence.)
Farm Barns and Structures can be added (basic perils only, wind optional)
Inland Marine coverages on Livestock, Machinery and personal items

Coverage for Single Wide Manufactured Homes (Mobile Homes)

Mobile Homeowners Policy

New home credit up to 10 years old
All vacant acreage included in personal liability.
Credits for non-smoker, fire extinguisher, dead-bolt locks & central station alarms are available.
Thermostat-controlled central heat
No supplemental heat allowed (no solid fuel burning devices)
Farm Liability coverage required only if there are any farm and/or large animals harbored on the premises or any farming done.
Farm structures, livestock and machinery can be added
Flat roof mobile homes limited to basic perils
Inland Marine coverage’s can be added
Permanently Installed Generators are available for credit. (Portable Generators are not eligible.)

Coverage for 1 to 4-unit tenant-occupied houses

Landlords Policy

Includes Lessors Liability coverage for tenant occupancy
The building owner may occupy an apartment in the building (3-4 unit dwellings, Additional coverage will be needed for the building owner’s personal liability and contents)
Owner occupancy credit available.
Credits fire extinguisher and dead-bolt locks are available
Optional coverage for contents, loss of rents, glass and vandalism
Includes Equipment Breakdown coverage automatically
Alarm or Fire Protection system credits are available
Permanently Installed Generators are available for credit. (Portable Generators are not eligible.)
Property whos owners reside within 20 miles and provide the maintenance for the insured dwellings are eligible for credit.
Dwellings built within 20 years are eligible for credit.
Basic grant of med pay is $5,000/$25,000
Limited incidental farm activity/coverage permitted. Basic perils on "farm" buildings (excluded from Cov. B) ALT-F required. Farm operators income must be less than 50% of tenant/owner income. Note: A 100% tenant farm would still require writing in the Fire Pac Program.

Insuring Houses

**Owner-occupied or tenant-occupied, from one to four families**

Coverage for 1 to 2-family homes which are occupied by the owner.

Preferred Homeowners – for homes less than 30 years old with no farm-type exposures

Personal Liability coverage is included for vacant acreage
New Home Credit already applied
Credits for non-smoker, fire extinguisher, dead-bolt locks & central station alarms are available.
Home is occupied at least six months of the year
Superior maintenance with smoke alarms installed
Thermostat-controlled central heat – no chunk wood stoves
All vacant land included in Personal Liability
Incidental Office occupancy may be permitted
Guaranteed Replacement Cost (125% cap) is available
Inland Marine coverages can be added
Modular Homes are eligible

Standard Homeowners

Personal Liability coverage is included for vacant acreage
New Home credit if less than 30 years old
Renovation Credits available: Electrical 5%, Heat 5%, Plumbing 5% if within 30 yrs & Roof 5% if within 10 yrs.
Credits for non-smoker, fire extinguisher, and dead-bolt locks are available
Thermostat-controlled central heat – supplementary heating allowed
All vacant acreage is included in personal liability.
Farm Liability coverage required only if there are any large farm animals harbored on the premises or any farming done.
May be available for Double-wide manufactured homes
Central Station fire/smoke and burglary alarm credit available
Inland Marine coverage's can be added
Permanently Installed Generators are available for credit. (Portable Generators are not eligible.)

Dwelling Fire Policy (Fire Pack)

May be occupied by tenants (does not need to be owner-occupied)
Liability coverage can be added - Personal Liability, Farm Liability on premises only as applicable.
Amount of coverage can be specified individually for the house and contents
Perils Forms include Basic Perils, Broad Form Perils or Special Form Perils
If eligible, theft of personal property can be added. (Owner occupied, primary residence.)
Farm Barns and Structures can be added (basic perils only, wind optional)
Inland Marine coverages on Livestock, Machinery and personal items

Coverage for Single Wide Manufactured Homes (Mobile Homes)

Mobile Homeowners Policy

New home credit up to 10 years old
All vacant acreage included in personal liability.
Credits for non-smoker, fire extinguisher, dead-bolt locks & central station alarms are available.
Thermostat-controlled central heat
No supplemental heat allowed (no solid fuel burning devices)
Farm Liability coverage required only if there are any farm and/or large animals harbored on the premises or any farming done.
Farm structures, livestock and machinery can be added
Flat roof mobile homes limited to basic perils
Inland Marine coverage’s can be added
Permanently Installed Generators are available for credit. (Portable Generators are not eligible.)

Coverage for 1 to 4-unit tenant-occupied houses

Landlords Policy

Includes Lessors Liability coverage for tenant occupancy
The building owner may occupy an apartment in the building (3-4 unit dwellings, Additional coverage will be needed for the building owner’s personal liability and contents)
Owner occupancy credit available.
Credits fire extinguisher and dead-bolt locks are available
Optional coverage for contents, loss of rents, glass and vandalism
Includes Equipment Breakdown coverage automatically
Alarm or Fire Protection system credits are available
Permanently Installed Generators are available for credit. (Portable Generators are not eligible.)
Property whos owners reside within 20 miles and provide the maintenance for the insured dwellings are eligible for credit.
Dwellings built within 20 years are eligible for credit.
Basic grant of med pay is $5,000/$25,000
Limited incidental farm activity/coverage permitted. Basic perils on "farm" buildings (excluded from Cov. B) ALT-F required. Farm operators income must be less than 50% of tenant/owner income. Note: A 100% tenant farm would still require writing in the Fire Pac Program.

Insuring Houses
Insuring Farms
Insuring Artisan Contractors
Insuring Businesses
Insuring Churches
Mobile Home Parks
Insuring Restaurants
Insuring Motels