Homeowner Program

Eligible Classes

Optional Coverages

Credits for the Homeowner

Liability Coverage

What Makes Us Unique

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Homeowner Programs

I. Seven Star Homeowner

   Mt Morris' premier Homeowner program for newer, high quality, well maintained homes.

• Replacement Coverage on the Dwelling and Structures


• Replacement Coverage on Personal Property


• Guaranteed Replacement Coverage on the Dwelling (120%)


• Special Form Coverage on Dwelling and Contents

II. Select Homeowner

    Mt Morris' alternative to the Seven Star Program. Similar coverage, without all the bells and whistles.

• Replacement Coverage on the Dwelling and Structures.


• Special Form Coverage on the Dwelling and Contents.


• Replacement Coverage on Personal Property (optional)


• Guaranteed Replacement Coverage on the Dwelling (optional)

III. Market Value Homowner

     Coverage option for older, unique, well kept homes.

• Actual Cash Value Coverage on the Dwelling and Structures


• Replacement on Personal Property (optional)


• Repair Cost Endorsement, Replacement Coverage on Partial Losses (optional)

IV. HO-4 Renters Policy

      Quality coverage for a renter's personal property.

• Replacement Coverage on Personal Property (optional)

(Policy provisions apply to all insurance written with Mt Morris Mutual)

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Eligible Classes

• Owner-Occupied Dwellings


• Log Homes


• Seasonal Homes (mono-line coverage)


• Day Care Operations (under 4 children)


• Roomer/Boarder Program


• Bed and Breakfast


• Homes in Unprotected Fire Classes


• Woodstoves, Corn and Pellet Stoves

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Optional Coverages

• Identity Theft


• Builders Risk


• Incidental Business Activity, Liability Option

(Under $10,000 Gross Receipts)

• Bait Shop, Cabinet Shop, Hobby/Handcraft Shop


• Carpentry-odd jobs


• Office (Real Estate, Insurance, etc)


• Landscaping


• Studio (Photo, Music, etc.)


• Babysitting


• Appliance Repair


• Antique Shop

All Risk Scheduled Personal Property Coverage for:

Jewelry Guns Stamps Antiques Trailers

Furs Coins Rec. Vehicles Snowmobiles Horses

Fine Arts Watercraft Cell Phones Tools Tractors

(Other categories also available)

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Credits

• Claim Free


• Mortgage Free


• New Home Option


• Brick Construction


• Fire Protection


• Burglary Device


• Deductible Options

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Liability Coverage

Mt Morris Mutual Offers Optional Comprehensive Personal Liability Limits up to 1,000,000.

• Claims for Injuries to others injured by occurrences at your home caused by your negligence.


• Off Premises Injuries to others arising from the negligence of an insured.


• Claims for Damage to property of others.


• Medical Expenses for injuries to others on or off your premises.


• Attorney Fees and other defense costs.

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What Makes Us Unique

Coverage INCLUDED on all Homeowner policies

• Equipment Breakdown Coverage for the Dwelling


• Homeowner Plus Endorsement (Not applicable on HO-4 Program)

 

No Deductible Coverage for:

Sewer and Water Backup Debris Removal (Windstorm or Hail) Refrigerated Foods Re-Keying House Damage to Septic System Motorized Vehicles (unlicensed) Piers and Docks Fences Money/Bank Notes Outside Wood Burning Stoves

$1,000 $500 $500 $200 $500 $10,000 $500 $500 $250 $1,500