Home and Renters

If you can’t afford to lose it, it pays to have Pharmacists Mutual insure it. Whether you own or rent, we can provide the coverage you need at a price you can afford.

Our homeowners policy provides coverage for your home and personal property. This means, if you own your home, the structure itself is covered for replacement cost with no depreciation deducted for age or condition. Replacement cost may also be provided for your personal property. Our homeowners policy also includes coverage for:

  • Other structures on the premises where you reside for personal use (i.e. sheds or detached garages).
  • Additional living expenses when your home is uninhabitable as a result of a covered loss.
  • Personal liability for bodily injury and property damage for which you are held legally liable.
  • Medical payments to non-household members as a result of an accident causing bodily injury.
  • Identity theft fraud resolution services (when your homeowners policy includes Identity Fraud Expense Coverage) to help manage your identity and assist with a potential email compromise, social media compromise, phishing assist, device compromise, breach assist, and assisted living fraud support.

Additional coverage is available to customize your homeowners insurance policy. Contact us for more information about these and other coverage options:

  • Scheduled Personal Articles Coverage (available for your valuable possessions, such as jewelry, furs, cameras, and fine arts)
  • Identity Fraud Expense Reimbursement
  • Home-based Business
  • Earthquake
  • Sewer Backup
  • Equipment Breakdown

While more homeowners policies do not cover flood damage, you can depend on us to provide comprehensive flood insurance through the National Flood Insurance program in participating communities. Flood insurance typically has a 30-day wait for coverage to be effective. So plan ahead to make sure you have coverage in the unfortunate event a flood disaster occurs in your area.

We offer a number of ways to help you save money on your insurance premiums including discounts for:

  • Protective Devices
  • System Age
  • New Homes
  • Roofing Materials
  • Claims-free Records
  • Customer Loyalty

Ask about our multiple policy package discounts.

For more information on products and coverage, contact your local field agent.