Home Mutual Insurance Association

Basic – Dwelling and/or Contents

Does not include broad form coverages or theft or replacement cost.
This policy is designed for low value dwelling and/or contents and vacant dwellings.

Broad Form – Dwelling and/or Contents

Does include broad form coverages and/or theft and/or replacement cost.
This policy is designed for dwellings occupied by the insured or rented to others.

Farm or Home Security – Dwelling/Contents package

Coverages: open-peril coverage on the dwelling and named peril coverage on the contents.
The Security policy is designed for nice, well maintained dwellings which are owner occupied. The dwelling must be insured to 90% of replacement cost.
The dwelling and contents coverage section is rated as a package with additional perils, theft, replacement cost, refrigerated products and sewer & drain backup coverage included.

Farm or Home Security Select – Dwelling/Contents package
Includes Replacement Cost of Contents – no additional premium

Same guidelines as for the Farm or Home Security except:
- dwelling must be written to 100% of the replacement cost.
- dwelling must have been built within 30 years of effective date of policy or remodeled (including wiring, heating, plumbing) during this same period.

NEW Farm or Home Security Select – Dwelling/Contents package
Includes Replacement Cost of Contents – no additional premium

Same guidelines as for the Farm or Home Security except:
- dwelling must be written to 100% of replacement cost.
- dwelling must have been built within 15 years of effective date of the policy

Service Buildings

Coverage for service buildings and structures is based on actual cash value and is written on a named peril basis.
A special endorsement is available to broaden coverage to include amongst other perils – the peril of collapse, written based on actual cash value and open peril basis.
A special endorsement is available to have replacement coverage on bins, barns and machine sheds less than 15 years old and must have the open perils coverage listed above.

Other items that we insure:

CONTACT INFORMATION: