Mutual of Wausau
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Preferred Homeowner

Our Best Insurance Protection for Your Home.

Preferred Homeowner

Included Coverage


Dwelling – The dwelling you reside in.
Related Private Structures – The detached structures on the insured premises.
Personal Property – Your personal belongings.
Additional Living Expense – Expenses you incur if you cannot live in your dwelling after a covered loss.
Liability/Medical Payments – For injury or damage you are liable for.
Replacement Cost on Contents – Settles claims for personal property on a replacement cost basis.
Inflation Guard – Automatically increases your dwelling limit to protect against increased building costs.
Lock Replacement – Replaces your locks if your keys are lost or stolen.
Tree Removal – For fallen trees due to wind.
Refrigerated Foods – For refrigerated items that spoil due to loss of power.
Fire Department Service Charge – Charges incurred due to fire departments called to protect your property.
Replacement Cost Dwelling – Settles claims for the dwelling at replacement cost up to the policy limit.

Optional Coverage


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 – For water damage that backs up through your sewer, drains, or sump pump.
Builders Risk – Theft and collapse coverage while your new home is being built.
Equipment Breakdown – Coverage for your home appliances and equipment. Click here for more information.
Extended Replacement Cost – Coverage for your dwelling if underinsured after a total loss.
Extended Liability – Extended to additional property you occupy or rent to others.
Farmland 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.
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.
Trampoline Liability – For trampolines that include a safety net.

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.
Claim Free – Five years continuous claim-free coverage.