All-Risk Coverage covers your dwelling, other outbuildings and personal belongings. It provides personal property protection from all perils (except those specifically excluded in the policy) such as from fire, theft, windstorm and hail to weight of ice, snow and sleet or volcanic eruption. You also get coverage for the unexpected, such as earthquake damage to personal property, rain through an open window onto your sofa, a computer accidentally knocked off your desk — perils not covered by an HO-3 Policy.

Home ownership liabilities protection 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. Plus it includes personal injury liability coverage (i.e., libel, slander, etc.)

Premier V.I.P. Coverage reimburses you if refrigerated food or prescription drugs spoil during an electrical outage, or if you need to remove tree debris caused by storms. There is coverage for the replacement of locks and keys if your house keys are lost or stolen. You’re covered if your home or personal property is damaged by water which backs up through the sewer or drain, or which enters and overflows from within a sump pump system (an automatic $1,000 of coverage is provided). It provides increased coverage for unscheduled jewelry, silverware, and money.

Full Replacement Cost for Contents Coverage replaces your insured belongings at full value.

Expanded Replacement Building Coverage provides coverage to replace your home up to 125% of the insuring value, if necessary, regardless of the policy limit at the time of loss.

This is one of the most worry free policies on the market — making the HO-5 one of the top choices for homeowners insured by Wolverine Mutual.

HO-24 Premier V.I.P broadens your protection even more

If your home is eligible for a Wolverine Premier HO-5 policy, you will automatically get an HO-24 Premier V.I.P  Endorsement that covers:

• $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)
• Ordinance or Law coverage - up to 10% of your home's insuring value can be used for the increased costs you incur due to enforcement of any irdinance or law following a covered loss.
• Special Disappearing Deductible rewards policy-holders by reducing the deductible by $20 for each claim-free policy period.
• Lock and key coverage
• Pet recovery advertising
• Social security check coverage

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