Home & Renters Insurance

Our homeowners policy provides coverage for your home and personal property. This means that 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 to satisfy all your individual needs, such as:

• 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. Be aware that flood insurance typically has a 30-day waiting period for coverage to be effective, so plan ahead to make sure you have the coverage you need in the unfortunate event a flood disaster occurs in your area.

Not everyone is a homeowner and renters have valuable possessions. Therefore, renters insurance is designed to protect these important assets. It covers lost, damaged, or stolen belongings. Importantly, renters insurance also maintains a liability component, protecting the policyholder against lawsuits in the event someone is injured in your home, even if you don’t own it. A personal liability renters insurance policy can also help provide coverage for alternative living arrangements if your rented location becomes uninhabitable due to an accident or disaster.

As there are many different rental arrangements, there are also many flexible options to building a renters insurance policy that fits your individual circumstances.

Pharmacists Mutual offers a number of ways to help you save money on your homeowners and rental insurance premiums. We provide discounts for:

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