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Wayne Mutual's fire and extended coverage programs are designed for owner or tenant-occupied one-to-four family dwellings, mobile homes, household contents, related private structures, miscellaneous structures, farm personal property and farm structures on both owner occupied and non-owner occupied properties.  Seasonal dwellings can be covered if Wayne Mutual also insures the primary residence.  Personal or premises liability coverage can be attached to this policy as well.

Wayne Mutual's fire and extended coverage programs offer protection for the following:

Property

Covers damage to your dwelling, household property, outbuildings, farm personal property (grain and hay, farm products, poultry, livestock and machinery) and other farm structures (silos, fences, corrals, pens, chutes, feed racks, building materials)

• Fire or lightning

• Windstorm or hail

• Explosion

• Riot or civil commotion

• Aircraft

• Vehicles

• Falling objects

• Smoke

• Overturn/upset/collision (farm personal property, implements, machinery or vehicles)

• Boat owners (owner occupied properties only - see our Boatowners page)
   

Optional coverages:

Property

• Earthquakes and volcanic eruption (for structures and personal property)

• Vandalism and malicious mischief

• Theft

• Outdoor TV and radio equipment

• Glass breakage (owner occupied properties only)

Personal Liability (for owner occupied properties)

• Personal liability

• Farm personal liability

• Medical payments to others

• Physical damage to property

• Business pursuits

• Liability for additional insured locations

• Custom farming liability

Premises Liability (for non-owner occupied properties)

• Bodily injury

• Property damage

• Medical payments to others

• Fire legal liability

• Incidental contractual liability

• Incidental vehicle liability

• Custom farming liability (farm premises only)

• Products/completed work (farm premises only)

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.