Protect your home — and everything in it.

United Mutual protects your family by insuring your home against fire, smoke, windstorm and other risks, and can help with homeowners and condominium insurance products tailored to meet your individual needs.

What’s covered with our policies

Your United Mutual agent can help to ensure all the things you and your family value most are adequately protected with our homeowners insurance policies.

  • Dwelling
  • Other Structures
  • Personal Property
  • Personal Liability
  • Medical Payments to Others
  • Additional Living Expenses

Customize your homeowners coverage

United Mutual offers a number of add-on coverages to help you create the perfect package of protection for home and family. 

  • Personal cyber protection (certain states)
  • Replacement cost coverage for your contents
  • Replacement Guarantee for your dwelling
  • Secondary/seasonal homes with primary support
  • Liability coverage for a seasonal residence or a residence rented to others
  • Incidental business exposure in home
  • Equipment breakdown/service line coverage
  • Additional coverage for back up of sewers or drains
  • Approved wood burner
  • Coverage for jewelry, fine arts, firearms, cameras, coins and collectibles
  • Earthquake coverage
  • New construction — theft of building materials

Keep your coverage affordable with these discounts

United Mutual offers a wide variety of discounts that allow you to customize a collection of homeowners’ coverages at an affordable price.

  • Certain types of protective devices (smoke detectors, security systems)
  • Dwelling less than 25 years of age
  • New home under construction
  • Teachers/first responders/veterans
  • Also placing your auto (and umbrella) coverage with United Mutual
  • Paperless discount
  • Mortgage free discounts

Your local independent United Mutual agent can ensure you have the right coverage at the right price.

Find a local agent.