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Homeowners Insurance

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Your home is a big investment. Make sure you protect what matters most. Our homeowners insurance policies can give you the peace of mind you want, and the reliable coverage you need.

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.

Get a quote online or call (877) 968-8825 to speak to one of our agents!

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.

Web User Discount: 10% off your first year's premium and 5% off your second year when you apply online. apply online.

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.

Mortgage Payment Protection: helps supplement your monthly mortgage up to $1,500 per month, for a maximum total of $18,000, in the event your home is deemed uninhabitable past 45 days.

Web User Discount: 20% off your first year’s premium and 10% off your second year when you apply online.

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.

Web User Discount: 10% off your first year's premium and 5% off your second year when you apply online.

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.

Web User Discount: 20% off your first year’s premium and 10% off your second year when you apply online.

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.

Web User Discount: 20% off your first year’s premium and 10% off your second year when you apply online.

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.

Web User Discount: 20% off your first year’s premium and 10% off your second year when you apply online.

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:

Web user discount : 10% off your first year's premium and 5% off your second year when you apply online.
Local/monitored
home security system
Wi-fi Water Device : Visit meetflo.com/western-mutual for more information.
Customers save an average of $617* when they switch!

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 (877) 968-8825 to get started!

Switch & Save!
*Based on 2018 customer data obtained in California, Arizona, and Texas.