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.

• Debris Removal covers expenses after a covered peril.
• Emergency Repairs Coverage pays the cost of protecting your property from further damage (i.e., immediately boarding up broken windows).
• Trees, Shrubs, Plants and Lawns are insured for loss by covered perils.
• Fire Department Service Charges are covered up to $500 when your fire department responds to a call to save or protect your property from a covered peril.
• Credit Card Protection pays up to $500 for unauthorized use of your credit card or automatic teller machine card; check forgery or alteration; and loss caused by counterfeit U.S. or Canadian paper currency when you accept it in good faith.
• First Aid Expenses pay for medical treatment when you cause others injury.
• Loss Assessment Protection offers $1,000 coverage when your neighborhood corporation or association assesses you to help defray common liability and common-property damage costs.
• Collapse Protection covers building collapse due to a covered peril; hidden decay; insect or vermin damage; weight of contents, equipment, animals or people; or use of defective materials or methods during construction, remodeling or renovation.
• Outboard Motor Liability provides protection regardless of horsepower.
• Claim Expenses cover costs, including actual loss of earnings (up to $50/day), during liability investigation or defense.
• Damage to Others’ Property covers replacement costs, up to $500 per incident, for damage caused by you.
• Recreational Vehicle Coverage offers protection for your four-wheel ATV, trail bike, snowmobile, golf cart or utility vehicle.

This is a general description of the coverage available with Wolverine Mutual HO-3 and HO-5 Premier insurance. For specific details and limitations, see your agent or written policy.