Homeowners


Homeowner Program

Eligible Classes

Optional Coverages

Credits for the Homeowner

Liability Coverage

What Makes Us Unique

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, designed for well kept or remodeled homes.

  • Replacement Coverage on the Dwelling and Structures
  • Special Form Coverage on the Dwelling and Contents
  • Replacement Coverage on Personal Property
  • Guaranteed Replacement Coverage on the Dwelling (optional)

III. Market Value Homeowner

     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)


#top

Eligible Classes

  • Owner-Occupied Dwellings
  • Log Homes
  • Day Care Operations (under four children)
  • Homes in Unprotected Fire Classes
  • Woodstoves, Corn and Pellet Stoves


#top

Optional Coverages

  • Identity Theft
  • Builders Risk
  • Incidental Business Activity, Liability Option (Under $10,000 Gross Receipts)
  • Personal Injury

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)


#top

Credits

  • Claim Free
  • Mortgage Free
  • New Home Option
  • Brick Construction
  • Fire Protection
  • Burglary Device
  • Deductible Options

#top

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
  • Related Attorney Fees and other defense costs


#top

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

Mt. Morris Mutual Insurance Company
N1211 County Road B * Coloma, Wisconsin 54930
Local: 715-228-5541 * Toll Free: 877-228-5541 * Fax: 715-228-5543

Copyright © 2017 | Mt. Morris Mutual Insurance Company | Site by NAMIC Web Services