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.