Dwelling Coverage

Protects the structure of your home—walls, roof, and built-in fixtures—against covered losses like fire, wind, or hail. This is the foundation of your homeowners policy.

Other Structures Coverage

Covers buildings on your property that aren’t attached to your home, such as garages, sheds, or fences.

Personal Property Coverage

Helps replace belongings like furniture, clothing, and electronics if they’re damaged or stolen—even when you’re away from home.

Loss of Use Coverage

If your home becomes unlivable after a covered loss, this coverage helps pay for temporary housing and extra living expenses.

Personal Liability Coverage

Protects you if someone is injured on your property or you accidentally damage someone else’s property. It also covers legal defense costs.

Medical Payments Coverage

Pays for minor medical expenses if a guest is injured on your property.

Replacement Cost – Dwelling & Contents

Helps rebuild your home or replace belongings without depreciation after a covered loss.

Scheduled Personal Property

Extra protection for high-value items like jewelry, firearms, or collectibles beyond standard limits.

Underground Service Line Coverage

Covers damage to underground pipes or wiring that connect your home to utilities—a common gap in standard policies.

Refrigerated Food Spoilage

Pays for food loss due to power outages or mechanical failure of your refrigerator or freezer.

Credit Card, Forgery & Counterfeit Money

Provides reimbursement for losses from credit card fraud or forgery.

Blanket Valuable Items Coverage

Offers broader protection for valuables without itemizing each piece.

Specified Additional Amount of Insurance for Dwelling

Adds extra coverage for your home in case rebuilding costs exceed your base limit.

New Home Discount

Buying a new home? Enjoy extra savings on your homeowners policy. It’s our way of welcoming you to your new space.

Auto/Home Discount

Bundle your auto and home policies with Wisconsin Mutual and enjoy extra savings. One company, one bill, more value for you.

Fire Protection Discount

Homes with qualifying fire protection—like sprinkler systems or nearby hydrants—may earn a discount. Safety pays off.

Umbrella/Home Discount

Add an umbrella policy to your homeowners coverage and unlock additional savings. More protection, less cost.

Seasonal Home Discount

If you insure a seasonal home and already carry liability coverage on your primary residence, you may qualify for a credit. Smart coverage for every property.