Mutual of Wausau
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Preferred Homeowner

Our Best Insurance Protection for Your Home.

Preferred Homeowner

Residence – Comprehensive coverage for your home.
Related Private Structures – The detached structures on the insured premises.
Personal Property – Protection for your personal belongings.
Liability/Medical Payments – Provides defense and coverage for injury or damage in which you are liable.
Additional Living Expense – Expenses you incur if you cannot live in your home after a covered loss.
Equipment Breakdown Coverage for your home appliances and equipment due to mechanical failure.
Fire Department Service Charge – Charges incurred due to fire departments called to protect your property.
Inflation Guard – Automatically increases your home limit to protect against increased building costs.
Lock Replacement – Replaces your locks if your keys are lost or stolen.
Replacement Cost Personal Property – Claim settlement for personal property on a replacement cost basis.
Refrigerated Property – Payment for direct loss to covered property stored in a freezer or refrigerator due to loss of power.
Replacement Cost Dwelling – Claim settlement for the home at replacement cost up to the policy limit.
Tree Removal – For fallen trees due to wind.

Optional Coverage


Extended Replacement Cost – Additional protection for you home if underinsured after a total loss.
Extended Liability – Extended to additional property you occupy or rent to others.
Farm Land Rented to Others – For farmland you rent to others.
Identity Fraud Expense – Expense reimbursement for costs associated with identity fraud.
Inland Marine – Expanded coverage for your jewelry, guns, fine arts, etc.
Modified Replacement Cost – Replacement coverage for partial losses when the home is insured for less than 80% of the replacement value.
Motorized Vehicles Used to Service Premises – Increased coverage over the automatic limit on the policy for items such as motorized lawn and garden equipment.
Personal Injury – Coverage if you are sued for libel, false arrest, or slander.
Recreational Vehicle – Physical Damage and Liability coverage for acceptable boats, ATVs and snowmobiles.
Residence under Construction – Collapse and Theft – Theft and collapse coverage while your new home is being built.
Trampoline Liability – For trampolines that include a safety net.
Water Back Up and Sump Discharge or Overflow – Water damage that backs up through your sewer, drains, or sump pump.
Weight of Ice, Snow, or Sleet – Loss to outbuildings due to collapse from the weight of ice, snow or sleet.

Available Discounts


New Home – Under 20 years of age.
Mortgage Free – Property without a mortgage or lienholder.
Senior Citizen – 55 years of age and over.