Homeowners Insurance                                     

If you own or rent your residence, Standard Mutual’s homeowners insurance will provide you with peace-of-mind protection, regardless if you live in a traditional home, condominium, mobile home or apartment. .                

Please contact an Independent Insurance Agent representing Standard Mutual for specific information about, or to apply for, any of our coverages.

THREE HOMEOWNERS PROGRAMS TO SUIT YOUR NEEDS


·        Regular Homeowners

Protection against such perils as fire, severe weather and crime, for your dwelling, other structures on the premises & personal property.

·        Superior Homeowners

This plan is designed for above-average homes that have up-to-date maintenance and show pride of ownership, regardless of the dwelling’s age.  Your personal property is insured for up to 70% of the dwelling value on a replacement cost basis.

·        Ultra Preferred Homeowners

For newer homes in excellent condition
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·        Renters

While the building owners may be responsible for damage to the building, replacing your personal property is your concern.  If someone is injured in your apartment, you could be liable.

·        Condominiums

This residence has its own unique coverage needs.  In addition to our personal property protection, coverage is also available for:

o       Additions, alterations, fixtures and improvements         

o       Loss assessment


Liability and Medical

All homeowners policies include liability coverage for bodily injury and property damage to others.  Medical payments to others is included should a guest be injured on your premises regardless of who’s at fault.

Discounts

  •         Insurance score – the higher your score, the bigger the discount
  •      Placing both your auto and home insurance with Standard Mutual
  •      Valued customer – rewards you for continuing to renew your policy with Standard Mutual
  •      Protective devices (e.g., dead bolt locks, smoke alarms, fire extinguishers or central station alarms)
  •      Newer homes
  •      Higher deductibles Insurance score – the higher your score, the bigger the discount 

    • Mobile Homeowners

    Broad form protection for owner-occupied mobile and manufactured homes.

    Mobile Home


    In addition to dwelling and personal property coverage, Standard Mutual also includes flood protection on this type of residence.  Can be seasonal or rented.  Supporting Homeowners required.

    Optional Coverages Available With Our Homeowners Programs


    •        Guaranteed replacement cost on the dwelling – provides an extra 25% layer of protection to insure adequate protection for your home, even if rebuilding costs exceed your policy limits
    •        Personal property replacement cost – insures your personal property for full replacement value with no deduction for age depreciation…personal property limits are automatically increased from 50% to 70% of the dwelling limit
    •         Recreational vehicles – physical damage and liability coverage for snowmobiles, etc.
    •         Inland Marine – broader coverage for those special needs (e.g., jewelry, guns, furs, silverware, collectibles, fine arts, etc.)
    •         Many other endorsements available to tailor your policy to fit your needs

    Boats & Jet Skis


    Physical damage and liability coverage.  Coverage can also be provided for their trailers and miscellaneous contents.

     Personal Umbrella Liability

    This coverage begins where your auto and homeowner liability limits end.  It provides an additional $1,000,000 layer (umbrella) of liability protection (higher limits are available).

    It also gives you coverage in excess of a retained limit for legal actions against you not covered by your basic personal liability policies (drop down coverage). 

     
    This page contains only a general description of coverage and is not a statement of contract. All coverages are subject to the exclusions and conditions of the policy itself.