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.  Your coverage includes:

Physical loss protection on the dwelling (except those specifically excluded in the policy) and loss to personal property caused by a wide range of perils from fire, theft, windstorm and hail to weight of ice, snow and sleet.

Home ownership liabilities protection covers you from claims or suits brought against you for accidental damage to someone else’s property or accidental bodily injury to others. Medical payments for accidental bodily injury to others, on or off your insured property, are also covered if a residence employee or one of your animals causes the injuries.

HO-25 Premier V.I.P. Endorsement broadens your coverage

You can also elect to add an HO-25 Premier V.I.P. endorsement to your HO-3 Premier Policy. It will give you these broader coverage protections for your home and the things you value:

  • $10,000 for loss by theft of jewelry, watches, furs, precious and semi-precious stones; $1,000 coverage for these items if misplaced or lost
  • $10,000 for loss by theft, misplacing or losing of silverware, silver-plated ware, goldware, gold-plated ware and pewterware
  • $2,500 for loss by theft of firearms
  • $1,000 coverage for money, bank notes, bullion, gold (other than goldware), silver (other than silverware), platinum, coins and metals
  • $1,000 (with $250 deductible) for direct loss to property due to water backup and sump pump overflow (additional limits available)
  • $500 for loss of refrigerated food and prescription drugs
  • Tree debris removal ($500 maximum, subject to Section I deductible)
  • Lock and key coverage
  • Pet recovery advertising
  • Social security check coverage

This description is only a summary. For complete details on available coverages, please contact your Wolverine Mutual Insurance Company agent or refer to your Wolverine Mutual Premier Homeowners policy.
 

 

 

Quick Response

Need a quote on a new policy?

Your local Wolverine Mutual independent insurance agent will respond quickly to your request. Unlike discount insurance agents that limit your choices or force you to settle for an insurance package that’s “close” to the coverage you want, your Wolverine agent will listen to your actual needs. You’ll learn what are state-mandated coverages and get advice on which optional coverages best suit your circumstances. Your agent will show you what discounts you qualify for so you can save on your premiums year after year. And you’ll learn what payment plan works with your budget.