Dwelling Fire Insurance from Wisconsin Mutual is designed for 1–4 family non-owner occupied residential properties, as well as owner-occupied homes that don’t qualify for traditional Homeowners programs.

Eligible properties must be well-maintained and reflect pride of ownership to ensure coverage. This policy offers flexible protection for rental homes, seasonal dwellings, and investment properties—delivering comprehensive coverage and peace of mind for your valuable assets.

COMMON DWELLING COVERAGES


Dwelling

Dwelling Coverage

Protects the structure of your rental, seasonal, or investment property against fire, lightning, windstorm, hail, explosion, vandalism, and more.

Other Structures

Other Structures Coverage

Covers detached garages, sheds, and other outbuildings on the property.

Personal Property

Personal Property Coverage

Protects contents owned by the landlord or property owner, such as appliances or furnishings.

Fair Rental

Fair Rental Value Coverage

Reimburses lost rental income if the property becomes uninhabitable due to a covered loss.

ADDITIONAL COVERAGES


Replacement Cost

Replacement Cost Settlement

Upgrade from actual cash value to replacement cost for your dwelling or personal property.

Vandalism

Vandalism & Malicious Mischief

Add protection for intentional damage to your property.

Theft

Theft Coverage

Protects against theft of personal property at the insured location.

Water Back-Up

Water Back-Up and Sump Overflow

Covers damage from water or sewage that backs up through drains or overflows from a sump pump.

Ordinance or Law

Ordinance or Law Coverage

Helps pay for increased costs due to changes in building codes after a covered loss.

Liability

Liability Coverage

Add premises liability to protect against claims for bodily injury or property damage occurring on your rental property.

Loss Assessment

Loss Assessment

Covers your share of certain losses assessed by a homeowners association.

AVAILABLE DISCOUNTS


Protective Devices

Protective Devices Discount

Earn a discount when your property is equipped with approved security features, such as burglar alarms. These protective devices help safeguard your property and can lower your insurance premium.

Fire Protection

Fire Protection Discount

Properties with qualifying fire protection—such as alarms, sprinkler systems or nearby hydrants—may earn a discount. Safety measures can mean real savings.

Multi-Policy

Multi-Policy Discount

Save when you bundle your dwelling fire policy with a qualifying home or auto policy.

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