|
|
|
 |
Home >
Insurance Products >
Homeowners
Wayne Mutual offers three programs for owner/occupants of a
one-or-two family dwelling or a tenant occupying an apartment: Preferred Homeowner, Traditional Homeowner and
Standard Homeowner. These programs are designed to meet the
needs of homeowners, based on the age, condition,
construction and loss history of the home.
Consult your local agent to find out which program will best suit your
needs.
Note: If you have farm-type
outbuildings, livestock, farm equipment, or if a
portion of your property is being used for agriculture, Wayne Mutual's
Farmowners Program may better meet your needs.
Wayne Mutual's homeowner programs offer protection for
the following:
Property
Covers damage to your home
-
Most common home perils including fire
or lightning, theft, vandalism and
windstorm or hail, explosion, smoke and glass breakage
-
Personal property, including clothing, furniture and appliances
-
Damage to additional structures on premises
-
Additional living expenses
Liability
Covers bodily injuries and property damage to others
Optional coverages:
-
Building additions and alterations at other residences
-
Increased limits for building additions and alterations
-
Credit card, fund transfer card, forgery and counterfeit money
-
Earthquake and loss assessment for earthquake
-
Loss assessment (your premises or additional locations)
-
Increased limits for loss of use
-
Permitted incidental occupancies (your premises)
-
Other structures (your premises)
-
Other structures (off premises)
-
Specific structures away from premises
-
Replacement cost on contents
-
Personal property (jewelry, watches, furs,
money, securities, silverware/goldware/pewterware, firearms,
cameras, musical instruments, tools, lawn and garden equipment, collectibles and antiques)
-
Theft coverage for rental to others
-
Sinkhole collapse coverage
-
Increased limits for business property
-
Special computer coverage
-
Home day care coverage
-
Ordinance or law coverage
-
Special personal property coverage
-
Personal property replacement cost
-
Unit-owners coverage
-
Loss of contents of a freezer or
refrigerated unit
-
Water backup and sump overflow (sewer and drains)
-
Enhancement endorsement
-
Theft of building materials
-
Homes, garages or other structures
under construction
-
Rebuilding clause
-
Mine subsidence
-
Unit-owners coverage
-
Unit-owners rental to others
-
Restrictions to policy
-
Boat owners (see our
Boatowners page)
-
Home business coverage
-
Special loss settlement
-
Additional insureds
-
Additional interest
-
Inflation protection (automatically
increases your coverage each year)
Discounts
-
Auto/home discount
-
New home (for homes built within the last 10 years)
-
A wide variety of fire/burglary protection (alarms/locks/alarm
systems)
-
Builder's risk (for homes under construction)
The coverages described above are presented in general terms and are subject to the actual policy
exclusions and conditions. For specific coverage details and policy
exclusions, refer to the policy itself or contact your Wayne Mutual agent. If there is a conflict between this website and the policy, the policy
provisions shall prevail. |
|
