Homeowners

You've worked hard to get what you have, and you deserve to know that the investment you've made in your home, furniture and personal belongings is secure. That's why – whether you own your home or condominium, or rent a house or an apartment – there's a Wilson Mutual Homeowners Policy designed for the protection you need.

Several options are available to protect your home. Your Wilson Mutual agent will start with a standard package of protection and then work with you to tailor a policy to meet your unique coverage needs and financial requirements.

 

Premier Homeowners Program
If you have a newer home, this comprehensive program provides a broad range of coverages.

Suburban Estate Program
If you have a country home our Suburban Estate Program is an ideal option.  This program can accommodate the newer home where farm outbuildings and farm personal property coverage is needed.

Standard Homeowners Program
For an older, well-maintained home, our Standard Homeowners Program provides the comprehensive protection you need.  This program is also available for modular homes, older seasonal homes and under certain circumstances, log homes. 

Condominium Program
Homes come in all shapes and sizes. So does our insurance. Our Condominium Program is a special protection package for select condo owners. It delivers the additional security you need to maintain the lifestyle that you’ve worked hard to get. Take a look at what the Condo Owners plan can do for you.

This program provides condominium owners special coverage for the dwelling and fixtures. In addition, the program includes liability coverage. Plus, personal property coverage can be expanded to cover additional perils.

Tenant Program
Renters need protection too. Our Tenant Program offers comprehensive coverage for personal property and liability protection.

Mobile Homeowners Program
The Mobile Homeowners Program is a preferred program providing coverage for the well-maintained mobile home.  Replacement Cost Coverage is available.

 

Property Coverage:

• Coverage for Damage to your Dwelling for a wide variety of perils
• Coverage for Damage to the Detached Structures on your insured location
• Personal Property coverage for broad or special perils
• Additional Living Expense when your home cannot be occupied after a covered loss

Liability Coverage:

• Personal Liability for Injury or Property Damage to Others
• Medical Payments to Others

Wilson Mutual Homeowners Programs are complemented with a wide variety of endorsements that can be used to modify and enhance coverage to meet the needs of our policyholders.

Some of these Endorsements include:

• Expanded Replacement Cost Coverage
• Identity Fraud Expense Coverage
• Special Homeowners Protective Endorsement
• Water Damage Coverage
• Woodburning Unit Endorsement
• Recreational Vehicle and Watercraft Property and Liability
• Dwellings Under Construction
• Modified Replacement Cost
• Incidental Business Pursuits
• Scheduled Personal Property
• Max Protector Endorsement

The following Discounts are available to qualified policyholders:

• Renovated/New Home Discount (MN)
• Masonry Construction Discount
• Auto-Home Discount
• Valued Policyholder Discount (based on credit score)
• New Home Discount

Available Optional Coverage

• Replacement cost on contents
• Jewelry, furs, silver, collectibles and antiques
• Water damage - sewer, drains and pumps
• Recreation Vehicles

No coverage is provided by this Web site. This Web site only illustrates coverages offered under the Wilson Mutual Homeowners Program. It is not a statement of all policy coverages, provisions, conditions, or changes. Certain deductibles, provisions and limits may apply. Please see your Wilson Mutual agent for a complete listing of policy coverages and provisions. If there is a conflict between this Web site and the policy, the policy provisions shall prevail.