Mutual of Wausau
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Dwelling

Insurance Protection for Your Seasonal or Rental Dwelling.

Dwelling

Included Coverage:


Dwelling – The dwelling being used as a seasonal residence or being rented to others.
Replacement Cost Dwelling – Settles claims for the dwelling at replacement cost up to the policy limit.
Fire Department Service Charge – Charges incurred due to fire departments called to protect your property.

Optional Coverage:


Related Private Structures – For detached structures on the insured premises.
Personal Property – For your personal belongings.
Replacement Cost on Contents – Settles claims for personal property at replacement cost in owner-occupied dwelling.
Refrigerated Foods – For refrigerated items that spoil due to loss of power in owner-occupied dwelling.
Modified Replacement – Replacement coverage on partial losses when the dwelling is insured for less than 80% of the replacement value.
Backup of Sewers and Drains – Water damage that backs up through your sewer, drains, or sump pump.
Builders Risk – Theft and collapse coverage while your new seasonal or rental home is being built.
Inflation Guard – Automatically increases your dwelling limit to protect against increased building costs.
Theft Coverage – Covers theft of personal property of an owner-occupied dwelling.
Ordinance or Law – Covers increased building costs due to changes in an ordinance or law.
Loss of Rents – Expenses you incur if you cannot rent the dwelling after a loss.
Liability and Medical Payments – For injury or damage you are liable for.
Tree Removal – For fallen trees due to wind.

Available Discounts:


New Home – Under 20 years of age.
Mortgage Free – Property without a mortgage or lienholder.
Claim Free – Five years continuous claim-free coverage.