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Protect Your Home With The
Home-Guard Policy

Thank you for considering the Home-Guard policy. This page should help you make an informed decision about the insurance coverages we offer and the coverages you need.

The Home-Guard policy provides outstanding protection for your most important asset — your home.

The policy offers a variety of coverages to protect your dwelling and personal property. It also offers protection against possible financial disaster from accidents or injuries occurring on your property or from your personal acts.

 

Property Coverages

Dwelling

bulletThe dwelling located on the described premises
bulletConstruction materials at the premises for use with your dwelling

Other Structures

bulletOther structures located on the premises
bulletConstruction materials at the premises for use with other structures
bulletSidewalks and driveways
bulletPrivacy or decorative fences

Personal Property

bulletPersonal property located at the premises
bulletAutomatic coverage for personal property temporarily away from premises
  

Additional Living Expenses and Loss of Rents

bulletCovers the increase in your living expenses while your property is being repaired or replaced
bulletCovers the loss of rents you might incur while the rented portion of the premises is unfit to occupy

Additional Coverages

bulletDebris Removal
bulletEmergency Removal of Property
bulletNecessary Repairs After Loss
bulletTrees, Shrubs and Plants
bulletRefrigerated Products ($250 Included)
bulletOutside Radio/Television Equipment and Satellite Dishes
bulletCredit Card
bulletLoss Assessment
bulletCollapse
bulletWater Backup (Up to $2500)

Personal Liability Protection

Public Liability

bulletCoverage for claims made against an insured person for bodily injury or property damage arising from accidents or injuries occurring on the premises for which the insured becomes legally obligated to pay due to personal acts

Medical Payments

bulletProvides coverage for medical expenses that arise from accidents or injuries occurring on the insured premises

Damage to Property of Others

bulletCovers property damage to property of others which you borrow or use
  
Optional Coverage

Property

bulletInflation Guard
bulletFarm/Household Operations Records
bulletEarthquake
bulletWater Backup
bulletCondominium Unit Owners
bulletScheduled Personal Property
bulletRefrigerated Products
bulletReplacement Cost for Household Personal Property
bulletWater Backup (Up to $2500)
  


Liability

bulletIncidental Business Activities
bulletBusiness Pursuits
bulletHome Day Care Provider
bulletIncidental Agricultural Activities
bulletContractual Liability
bulletWaterbed
bulletAdditional Insured
bulletAdditional Premises

Home-Guard Select

If your home qualifies, you will be eligible for the expanded coverages offered by the Home-Guard Select policy. These additional coverages include:

bulletOpen perils coverage for the dwelling
bulletIncreased limits on additional coverages
bulletIncreased limits on certain items of household personal property
bulletReplacement cost for the dwelling and household personal property

Reprinted with Permission
Grinnell Mutual Group