We know that understanding your homeowners insurance policy can be a bit overwhelming with terms and coverages you may have never heard of. For that reason we created a Policy Terms link on our website which will explain things like your deductible, dwelling and umbrella insurance. We have shared a few of these terms below;

Deductible

The amount that you are responsible to pay out of pocket in the event of a covered loss. For example, if you have a $1,000 deductible on your policy and your home sustains $3,500 worth of damages from a covered loss, you are responsible to pay $1,000 and your insurer will pay $2,500 (the amount that exceeded your deductible).

Dwelling Coverage (Coverage A)

The part of your policy that covers the cost to repair or rebuild the physical structure of your home in the event of a covered loss.

Endorsement

Also known as a Rider, an amendment to an insurance policy that changes the terms of the policy by adding or subtracting coverage.

Exclusion

A provision in the policy that eliminates coverage. Examples include earthquake and flood, which both require separate policies, or intentional loss, maintenance, and intended injury.

Medical Payments to Others

Medical costs associated with injuries sustained by guests.

Other Structures

Coverage for structures on the property but not attached to the home, such as a driveway, fence, or detached garage.

Personal Liability

Personal liability coverage protects you and your household against claims and lawsuits for bodily injury or property damage to others, up to the limits of your policy. If you need higher personal liability limits than available on a typical policy, you may want to purchase an Umbrella Policy (see below).

Personal Property

Contents of your home, including electronics, furniture, appliances, etc. Expensive belongings such as jewelry or fine art may require an additional policy depending on the value.

Premium

The amount a policyholder pays for the insurance policy across the term of the policy, usually 1 year.

Replacement Cost

The amount that it cost to repair, replace, or rebuild damaged property after a covered loss, without deducting for depreciation.

Umbrella Policy

A policy that provides additional liability protection above your homeowners policy.

Western Mutual is celebrating 80 years!

Yes, you read that right. Today marks 80 years of being able to provide customers just like you the security of knowing you are protecting your home by an established and awarded insurance carrier.  

Western Mutual began as a county mutual fire insurer in the state of California in 1942. Since then we have provided premier homeowners insurance coverages, friendly service, and educated agents who are determined to make our customer’s experience an easy one.

In these 80 years, it has been an honor to be named in Ward’s Top 50 List of top performing property and casualty insurance carriers as well as receiving a Superior A+ Rating by A.M. Best for several years in a row. Along with these accolades, we have continued our support and community involvement with sponsoring charities such as Paws & Patriots, which help our veterans find housing and Toys for Tots whom make every holiday season a little brighter for those in need.

We know our success and many years in business would not be possible without our customers. We thank you for believing in us all these years with your most treasurable asset, your home. Here’s to another 80 years and more!

Western Mutual and Arizona Home know that our success is owed to our customers whom entrust their haven, their home, to us…a preferred insurance carrier. But, don’t take our word for it, we would like to share some of the testimonials that we have received. These are real people who give honest and strong opinions about our company that we are proud to share.

“Working with my insurance agent at Western Mutual has been an absolute treat! He is very responsive, gets us what we needed for our financing paperwork, and is always available to answer questions that arise. Thank you for the great service!” – Eric K.

“Thank you for the exceptional knowledge regarding my issue and quickly resolving the problem, much appreciated.” – Julia H.

“Great service! Knowledgeable staff, quick response and good price.” – Carmen E.

Still don’t believe us? Give us a try. Visit our site www.westernmutual.com and get your free quote today.

Western Mutual Insurance would like to invite you to follow our social media page on all major platforms for weekly blogs regarding frequently asked questions about your policy and human interest stories.

As your preferred insurance carrier, we would like to say thank you for allowing us to protect your home and hope that you follow our online accounts to stay up to date important information.

We are active on the following platforms, just search us by name:

Facebook, Instagram, YouTube, Twitter and our very own media room that can found on www.westernmutual.com

Are you on the market for a homeowner’s insurance carrier?

Customers have saved by switching to us, see how much you can too by getting your free quote today.

In just 30-seconds you could be saving money while knowing your home is covered by an A+ rated carrier.

There is no commitment or contract with just the quote and as mentioned…they’re absolutely free!

Give is a call at 1-877-968-8825 or visit us online at www.westernmutual.com to obtain your quote today.

According to a Redfin study, demand for second homes skyrocketed over the pandemic, growing an astonishing 84% year over year. Moreover, buying a second home is more doable than you might think for homeowners of all income levels who are looking to make a property investment or just have a place to vacation.

Just like the journey for your first home, choosing a city for your second is step number one. With that being said, we compiled the list from RedFin’s study which shows top cities to buy a secondary homes based on factors such as median home price, cost of insurance and property profitability.

The list is as follows in numerical order from best to average:

1. Fort Wayne, Indiana
2. El Paso, Texas
3. St. Louis, Missouri
4. Glendale, Arizona
5. Laredo, Texas
6. Boise, Idaho
7. North Las Vegas, Nevada
8. Bakersfield, California
9. Riverside, California
10. Tucson, Arizona

Interestingly enough, Western Mutual offers coverage in 4 of the 6 states mentioned as best cities to purchase your second home. Should you find the right one, make sure to give us a call and get a 30-second quote for the lowest rate possible.

If you’re on the market for new homeowners insurance, look no further!

Simply click the link below to get your no obligation, 30-second free web quote and see the savings you can earn by allowing us to protect you home.

We are an AM BEST A+ and BBB rated A+ carrier and have high ratings on Clearsurance, a review based platform for insurance companies.

Visit us online to switch and save at www.westernmutual.com or call one of our licensed agents who are ready to help at 877-WMUTUAL (877-968-8825) Monday through Friday 8:00 AM to 5:00 PM PST/PDT.

Today we honor our leaders for the work, dedication and accomplishments they have done during their time representing this great country. We would like to share some unforgettable words spoken by these individuals:

“The harder the conflict, the greater the triumph” – George Washington

“Believe you can and you’re already halfway there” – Theodore Roosevelt

“You can’t let your failures define you, let the failures teach you” – Barack Obama

Western Mutual Insurance Group is excited and grateful to be celebrating 80 years of business this coming March. For the past eight decades, you and your family have allowed us to protect your most valuable asset, your home.

 We thank our employees who strive to provide exceptional service every day but even more our insureds who have helped us grow to where we are now. In these 80 years, we have expanded into more states, gained the title of being a preferred rate A+ carrier and have even received the accolade of zero justified complaints.

To celebrate this milestone, Western Mutual has decided to reward its insured’s with an opportunity to win $800. Yes, you read that right, $800!

To sweeten the deal even more, for a limited time, our referral incentive has been increased to $80 per new customer that switches to us. Therefore, not only will you receive $80 but your name will be entered in our drawing for the grand prize of $800.

The winner will be announced on our social media pages early May, so make sure you’re following us there as well. We will also reach out via phone call with the good news.

So what are you waiting for? Let your neighbors, family and friends know about us and our low rates!

Our sales agents are ready to speak with you, call toll-free at 1-877-968-8825