Protect your home for less.
Your home is one of your most valuable possessions. It shelters the people you care about the most and houses the things you own. So it’s imperative that you have adequate insurance protection.
Your independent agent will show you how to avoid devastating surprises, including how to ensure you can rebuild your home if you experience a total loss. Choose the tab for your state to see how you can get the best value for your insurance dollar.
Michigan Premier Coverage
You don’t have to belong to a group to qualify for lower insurance rates.
Sometimes groups and organizations offer lower insurance rates to members; however, you’re not always the right age, in the right occupation or part of the right club to qualify for these premium savings. Now, with Wolverine Mutual Premier Homeowners Program, you can potentially protect your home with even better coverage for the same (or less) premium than what any group offers.
Eligibility for these competitive rates is based solely on your home
To qualify, your home must:
- Cost $175,000 or more to rebuild ($200,000 for HO-5 Premier)
- Be 40 years old or newer
- Be insured to 100% of replacement cost
- Have minimum 100-amp electrical service and circuit breakers
- Be in excellent condition
Automatic value adjustment
Wolverine Mutual will make sure you continue to get the best value from your policy year after year. Annually, we will automatically adjust the value of your home and contents based on inflation, etc.
Protect your upscale home with coverage built for your needs.
HO-5 Premier Policy
Get the most complete protection available at a "group" savings rate.
Very few insurance companies offer an "all-risk" policy like the Wolverine HO-5 Premier Policy — one of the most comprehensive homeowners policies available today for $200,000+ homes.
Learn more >
HO-3 Premier Policy
Good, solid protection for your home at a tough-to-beat premium rate
Your HO-3 Premier Policy protects many of the things you value most: your residence, other structures not connected to your house, and personal property. In most cases you don’t have to pay a deductible, either.
Learn more >
Extra coverage at no additional cost
Whether you choose an HO-5 or HO-3 Premier Policy, you will get more value from your premium rate with these extra coverages.
Learn more >
Pay even less with these rate-cutting discounts
In addition to your Premium savings, you can save even more with these discounts:
Learn more >
Get excellent value and service for your insurance dollar.
There are definite advantages to working with an independent agent who contracts with Wolverine Mutual. Your agent:
- Works locally so you get sound advice on the types of coverage you’ll need in your community.
- Represents multiple companies, so he or she can research and evaluate various policy options and help you choose the one that best meets your needs and budget.
- Looks out for you by submitting your new policy application and future changes quickly and accurately.
- Helps us respond fast and fairly (usually within 24 hours) when you make a claim.
To find an independent insurance agent that can get you the protection you need, click here.
Michigan Standard Coverage
Whether you are a homeowner or renter - get the financial protection you need, affordably
Your home – whether you own it or rent it – is one of your biggest investments and often your biggest liability. That’s why your independent agent will help you choose the level of Wolverine Mutual insurance protection you need so if something happens … you can handle the repair or replacement costs and get your life back to normal quickly.
Automatic value adjustment
Wolverine Mutual will make sure you continue to get the best value from your policy year after year. Annually, we will automatically adjust the value of your home and contents based on inflation, etc.
HO-5 Policy
Get the most complete protection available at surprisingly affordable rates.
Very few insurance companies offer an "all-risk" policy like the Wolverine HO-5 Policy. It is one of the most comprehensive homeowners policies for homes worth $200,000 or more.
Learn more >
HO-3 Policy
Solid protection for your home, your property and the people who visit
Our popular HO-3 Policy protects many of the things you value most: your residence, other structures not connected to your house, and personal property. Your coverage includes:
Learn more >
Extra coverage at no additional cost
Whether you choose an HO-5 or HO-3 Policy, you will get more value from your premium rate with these extra coverages.
Learn more >
Pay even less with these rate-cutting discounts
In addition to your Premium savings, you can save even more with these discounts:
Learn more >
HO-4 Policy
Renting? Protect your personal belongings and liabilities.
As a renter, your landlord’s property insurance does not cover your personal property or liabilities. That’s why it’s important for you to protect them. Wolverine Mutual HO-4 homeowners policy protects your personal property anywhere in the world.
Learn more >
Get excellent value and service for your insurance dollar.
There are definite advantages to working with an independent agent who contracts with Wolverine Mutual. Your agent:
- Works locally so you get sound advice on the types of coverage you’ll need in your community.
- Represents multiple companies, so he or she can research and evaluate various policy options and help you choose the one that best meets your needs and budget.
- Looks out for you by submitting your new policy application and future changes quickly and accurately.
- Helps us respond fast and fairly (usually within 24 hours) when you make a claim.
To find an independent insurance agent that can get you the protection you need, click here.
Indiana Coverage
Whether you are a homeowner or renter - get the financial protection you need, affordably
Your home – whether you own it or rent it – is one of your biggest investments and often your biggest liability. That’s why your independent agent will help you choose the level of Wolverine Mutual insurance protection you need so if something happens … you can handle the repair or replacement costs and get your life back to normal quickly.
Automatic value adjustment
Wolverine Mutual will make sure you continue to get the best value from your policy year after year. Annually, we will automatically adjust the value of your home and contents based on inflation, etc.
You don’t have to belong to a group to qualify for lower insurance rates.
Sometimes groups and organizations offer lower insurance rates to members; however, you’re not always the right age, in the right occupation or part of the right club to qualify for these premium savings. Your agent will offer you similar savings on your HO-5 or HO-3 policy if your home qualifies for our Premier level. Your home must:
- Cost $200,000 or more to rebuild
- Be 40 years old or newer or completely remodeled in the last 15 years
- Be insured to 100% of replacement cost
- Have minimum 100-amp electrical service and circuit breakers
- Be in excellent condition
Learn more >
The newer your home, the more you save.
If your dwelling was constructed in the past 20 years, you will save money automatically with these New Home Discounts.
Learn more >
HO-5 Policy
Get the most complete protection available for your upscale home
Very few insurance companies offer an “all-risk” policy like the Wolverine HO-5 Policy — one of the most comprehensive homeowners policies available today for $200,000+ homes.
Learn more >
HO-3 Policy
Solid protection for your home, your property and the people who visit
Our popular HO-3 Policy protects many of the things you value most: your residence, other structures not connected to your house, and personal property. Your coverage includes:
Learn more >
Extra coverage at no additional cost
Whether you choose an HO-5 or HO-3 Policy, you will get more value from your premium rate with these extra coverages.
Learn more >
Pay even less with these rate-cutting discounts
You can customize your policy to get even more value for your protection dollars.
Learn more >
HO-4 Policy
Renting? Protect your personal belongings and liabilities.
As a renter, your landlord’s property insurance does not cover your personal property or liabilities. That’s why it’s important for you to protect them.
Learn more >
Get excellent value and service for your insurance dollar.
There are definite advantages to working with an independent agent who contracts with Wolverine Mutual. Your agent:
- Works locally so you get sound advice on the types of coverage you’ll need in your community.
- Represents multiple companies, so he or she can research and evaluate various policy options and help you choose the one that best meets your needs and budget.
- Looks out for you by submitting your new policy application and future changes quickly and accurately.
- Helps us respond fast and fairly (usually within 24 hours) when you make a claim.
To find an independent insurance agent that can get you the protection you need, click here.
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