Homeowners Insurance
Why Do I Need Homeowners Insurance?
Sometimes, the unexpected happens. A Western Mutual homeowners policy can help protect you, your home, and your belongings from common hazards1 such as:
- Fire and smoke damage
- Water damage
- Theft
- Cyclone, wind, or storm damage
- Hail and lightning
- Broken glass and vandalism
1Please refer to your actual home insurance policy for a complete list of coverages.
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Understanding Your Coverages
For your primary residence, a Western Mutual home insurance policy includes these coverages:
Dwelling Coverage
Provides coverage for your home and attached structures, such as a garage.
Personal Property Coverage
Covers personal belongings such as clothing, furniture, and other items not permanently attached to your home.
Other Structures Coverage
Provides coverage for detached structures on your property, such as driveways, fences, sheds and swimming pools.
Loss of Use Coverage
Helps cover living expenses if your home is unfit to live in after a covered loss.
Personal Liability Coverage
Provides coverage for bodily injury or property damage to other parties for which you or other covered residents are legally responsible.
Medical Payments to Others
Provides coverage if a guest at your home is injured.
Additional Benefits
Please select your location to see state-specific benefits:
Arizona
Guaranteed Replacement Cost (GRC): provides full reconstruction of your home in the event of a covered loss, for no additional cost.
California
Extended Replacement Cost (ERC): increases your dwelling coverage up to 150% for no additional cost. ERC safeguards against a higher-than-expected construction cost for damages to your dwelling structure.
Nevada
Extended Replacement Cost (ERC): increases your dwelling coverage up to 200% for no additional cost. ERC safeguards against a higher-than-expected construction cost for damages to your dwelling structure.
New Mexico
Extended Replacement Cost (ERC): increases your dwelling coverage up to 200% for no additional cost. ERC safeguards against a higher-than-expected construction cost for damages to your dwelling structure.
Texas
Extended Replacement Cost (ERC): increases your dwelling coverage up to 150% for no additional cost. ERC safeguards against a higher-than-expected construction cost for damages to your dwelling structure.
Utah
Extended Replacement Cost (ERC): increases your dwelling coverage up to 150% for no additional cost. ERC safeguards against a higher-than-expected construction cost for damages to your dwelling structure.
Discounts
We want to help keep more money in your pocket. Talk to one of our agents to see if you qualify for these discounts:
home security system
Switching to Western Mutual has never been easier. We’ll help you cancel your existing policy, and guide you on obtaining a refund from your current carrier. Are you ready to start saving? Call us at 1-877-968-8825 to get started!
Switch & Save!*Based on 2020 and 2021 customer data obtained in California, Arizona, and Texas.