HO-3 Policy

Good, solid protection for your home at a tough-to-beat premium rate

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:

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 to volcanic eruptions

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. And, this broad coverage is yours at a very competitive premium cost.

Step up your HO-3 coverage with Premier . If you don't have HO-5 coverage, you can enhance your existing coverage for a very low cost. In most cases you don't have to pay a deductible, either. Ask your agent for details.

 

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

If your home is eligible for Premier level coverage, you may add this endorsement to your HO-3 policy:

  • $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

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

 

 

Second To None

Exceptional Claims Service

Wolverine Mutual Insurance Company has provided this outstanding insurance coverage and exceptional claims service since 1917. Now more than 45,000 policyholders in Michigan, Indiana and Wisconsin know they’ll hear “it’s protected” when the things they value are damaged or lost.

That assurance comes from Wolverine Mutual’s commitment to provide a strong financial future for its policyholders. It is a commitment that has weathered some of our nation’s toughest economic times. It is a watchful eye that responds to ever-changing coverage needs. It is a company that cares about you.