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Wayne Mutual offers commercial rental dwelling programs that are ideal for buildings that house up to 8 families and are not owner-occupied. Consult your local agent to find out how our rental dwelling offerings can be customized to best suit your needs.

Wayne Mutual's rental dwelling programs offer protection for the following:

Property

Covers damage to your structure and its contents

Three types of rental dwelling forms are available:  basic, broad and special.  These forms offer a different range of coverage, depending on your needs.  The coverages can be tailored to include:

• Most common perils including fire, lightning, removal, internal explosion, windstorm and hail, aircraft, riot, vehicle damage, vandalism, explosion, volcanic eruption and smoke

• Materials and supplies on or nearby the dwelling 

• Building equipment and outdoor equipment

• Damage to additional structures on premises

• Personal property

• Loss of rent

• Falling objects (broad or special form only)

• Weight of ice, snow and sleet (broad or special form only)

• Freezing or water overflow (broad or special form only)

• Glass breakage (broad or special form only)

• Collapse (broad or special form only)

• Water damage extension (repairs to leaking system or appliance - special form only)

• Inflation protection

Optional property coverages include:

• Burglary and robbery

• Glass breakage

• Replacement cost

• Debris removal

• Reasonable repairs

• Boiler and machinery

• Earthquake

• Personal property

• Worldwide coverage

• Improvements, alterations and additions by tenant

• Fire department service charge

• Ordinance or law coverage

Contact your Wayne Mutual agent for more details on the types of property coverage options available for your rental dwelling.

Liability

Covers bodily injuries and property damage to others

• Personal liability

• Medical payments to others

• Personal and advertising injury

Contact your Wayne Mutual agent for more details on the types of liability coverage options available for your rental dwelling.  

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.