3 Coverages Included in Your Homeowners Policy

Western Mutual has proudly be serving homeowners for over 75 years, providing coverage for both your property and liability for any unforeseen injuries. Our standard has policy has 3 essential coverages and they include:

Dwelling + Other Structures – This part of the policy pays to repair or rebuild a home or fence if damaged by a covered peril such as a fire, wind/hail storm, etc. The amount of coverage on your home is based on reconstruction cost estimates which calculate labor and materials for your specific property.

Personal Property – Exactly what it sounds like, this is coverage for your furniture, clothes, equipment, and anything that would fall out if we flipped your house upside down. However, please know if you own expensive items like art pieces, jewelry, or silverware…these items are limited in coverage but can be added for a small feel with a professional appraisal.

Liability Protection – Liability will protect you against lawsuits for bodily injury or property damage that policyholders have caused other people. One unique thing about liability is that it’s an off-premises coverage as well-meaning you are protected anywhere in the world.  The liability portion of the policy pays for both the cost of defending the policyholder in court and any court awards—up to the limit of the policy.

We hope knowing this basic yet crucial information allows you understand and ease your concerns about your coverage.

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