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Homeowner Insurance

 
Programs
   
  Standard - Including Tenants, Condo, and Mobilehome
  Our Standard homeowner's program is intended for the average to above average, owner occupied property risk.  One or two family homes are eligible.  Homes must be insured for 100% of their Replacement Cost Value and have minimum of 100-amp electrical service.  This program does allow solid fuel devices and is designed to accommodate those risks that do not qualify for the Premier or Premier Elite program.
   
  Country Home
  This program is designed to accommodate the hobby type farm property or country estate.  Any risk that has farm buildings or incidental farm operations, but is not a true operating farm would be eligible for this program.  The Country Home policy is available in Standard, Premier, and Premier Elite.  Farm buildings and farm personal property may be endorsed onto the policy.  Incidental farm liability coverage is also available.
   
  Seasonal
  Our seasonal homeowner's is designed for the average to above average secondary home that is occupied by the insured periodically through out the year.  In order to qualify for this program the home must be in good condition and be used a minimum of three seasons (spring, summer, & fall).

We do require a supporting primary residence for the insured, unless the insured's residence is outside the state of Wisconsin.  We would also require that there be one primary owner, and that the dwelling have a primary heat source and a minimum of 100-amp electrical service.

   
  Premier
  Our Premier homeowner's program is designed for the newer, higher valued, single family dwelling.  The dwelling must be constructed in 1970 or later unless it has been completely updated within the past ten years (updates would need to include new roofing, wiring, plumbing, and heating systems).  The Premier program does not allow any solid fuel devices.  All homes must be insured for 100% of their Replacement Cost Value.
   
  Premier Elite
  This Form Five policy is available to newer, higher valued single family dwellings constructed in 1970 or later.  The policy provides all risk coverage for Coverages A, B, C, and D.  Internal policy coverages and limits are broader and higher than any other program.  Dwellings must be insured for 100% of their Replacement Cost value with a minimum coverage requirement of $125,000 for Coverage A.  Solid fuel appliances are not allowed.
   
   
   
Coverages
 
  Fire or Lightning Smoke
  Windstorm or Hail Vandalism or Malicious Mischief
  Explosion Theft
  Riot or Civil Commotion Breakage of Glass
  Aircraft Damage Falling Objects
  Vehicle Damage Weight of Ice, Sleet, or Snow
  Accidental Discharge from Plumbing or Heating Systems Sudden or Accidental Tearing Apart, Cracking, Burning, or Bulging of a Heating System or Water Heater
  Freezing of Plumbing or Heating Systems Sudden and Accidental Damage from Artificially Generated Electrical Current
  Volcanic Eruption    
         
  In addition, your Wisconsin Mutual Homeowners policy provides the following coverages:
  Personal Liability - on premise    
  Personal Liability - off premise    
  Property Damage    
  Medical Payments    
  Legal Defense Costs    
         
  Additional optional coverages are available.  For example:
  Scheduled Personal Property Home Under Construction
  Blanket Valuable Items Increased Limits of Coverage
  Boat, Snowmobile, ATV, Personal Watercraft Incidental Farm Property and Liability Coverages
  Identity Theft    
         
         
Discounts
         
  By placing your homeowner coverage with Wisconsin Mutual you may qualify for one or more of the following discounts:
  New Home    
  Auto/Home    
  Fire Protection and Alarm    
         
         
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Wisconsin Mutual Insurance Company
8201 Excelsior Dr
Madison, WI  53717
(608) 836-4663
(800) 831-5959