Homestead Mutual Insurance

Replacement Cost Terms - Claim settlement for the dwelling at replacement cost up to the policy limit. Not available on all dwelling policies. Fire Department Service Charge - Charges incurred due to fire departments called to protect your property. Added Perils for additional Refrigerated Food Products - Payment for direct loss to covered property stored in a freezer or refrigerator due to loss of power in owner-occupied dwelling. Inflation Guard - Automatically increases your dwelling limit to protect against increased building costs.

Liability/Medical Payments - Provides defense and coverage for injury or damage in which you are liable. Additional Living Cost and Loss of Rents - Provides for expenses that you incur if you cannot live in your mobile home after a covered loss. Fire Department Service Charge - Charges incurred due to fire departments called to protect your property.

An Umbrella Policy provides extra protection in addition to your homeowners, automobile and other liability insurance policies. This policy also covers defense expenses for a lawsuit or liability claim that may or may not result in legal action. Parents host a party for their graduating senior. They were unaware of underage kids consuming alcohol leading to one of them causing an accident.

This number provides you with direct access to our claims support staff during normal business hours. If you have an emergency claim that needs immediate attention such as a fire, serious water damage or other significant loss please call the main number after our normal business hours. You will reach our Emergency Claims Reporting Service and they will contact one of our claims representatives and put that person in touch with you.