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Front door of home

Homeowners/Mobile Homeowners

Protect Your Home With The Home-Guard Policy

Thank you for considering the Home-Guard policy. This page should help you make an informed decision about the insurance coverages we offer and the coverages you need.

The Home-Guard policy provides outstanding protection for your most important asset — your home.

The policy offers a variety of coverages to protect your dwelling and personal property. It also offers protection against possible financial disaster from accidents or injuries occurring on your property or from your personal acts.

Property Coverages

  • The dwelling located on the described premises
Other Structures
  • Other structures located on the premises
  • Privacy or decorative fences
Personal Property
  • Personal property located at the premises
  • Automatic coverage for personal property temporarily away from premises


Additional Living Expenses and Loss of Rents
  • Covers the increase in your living expenses while your property is being repaired or replaced
  • Covers the loss of rents you might incur while the rented portion of the premises is unfit to occupy
Detached Garage
Home with trees and lawn
Additional Coverages
  • Debris Removal
  • Emergency Removal of Property
  • Necessary Repairs After Loss
  • Trees, Shrubs and Plants
  • Refrigerated Products ($1250 Included)
  • Outside Radio/Television Equipment and Satellite Dishes
  • Credit Card
  • Loss Assessment
  • Collapse
  • Water Backup (Up to $20,000 if qualifies)

Personal Liability Protection

Public Liability

Coverage for claims made against an insured person for bodily injury or property damage arising from accidents or injuries occurring on the premises for which the insured becomes legally obligated to pay due to personal acts.

Medical Payments

Provides coverage for medical expenses that arise from accidents or injuries occurring on the insured premises.

Damage to Property of Others

Covers property damage to property of others which you borrow or use.

Optional Coverage

  • Inflation Guard
  • Farm/Household Operations Records
  • Earthquake
  • Water Backup
  • Condominium Unit Owners
  • Scheduled Personal Property
  • Refrigerated Products
  • Replacement Cost for Household Personal Property
  • Water Backup (Up to $20,000 if qualifies)
  • Incidental Business Activities
  • Business Pursuits
  • Home Day Care Provider
  • Incidental Agricultural Activities
  • Contractual Liability
  • Waterbed
  • Additional Insured
  • Additional Premises

Home-Guard Select

If your home qualifies, you will be eligible for the expanded coverages offered by the Home-Guard Select policy. These additional coverages include:
  • Open perils coverage for the dwelling
  • Increased limits on additional coverages
  • Increased limits on certain items of household personal property
  • Replacement cost for the dwelling and household personal property
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