Homeowners Protection

Whether its a single-family residence, condo, townhouse or apartment, your home is likely your most significant investment.  With a custom-fit package or property coverage and personal liability protection, The Main Street America Group's Austin Mutual Insurance Company can provide the tailored coverage you need to safeguard your home affordably.



Programs and Features


  • Customized Homeowners products provide the precise level of coverage you need
  • Common Loss Deductible: Only one deductible applies under a common loss when you have multiple policies with Austin Mutual
  • Coverage for seasonal or secondary homes is available when we insure your primary residence
  • Unit Owners/Condo Owners and Renters coverage is available
  • All programs provide Identity Recovery Protection coverage

Policy Discounts

We offer personalized pricing to save you money.  Our policy discounts can include:

  • Supporting Coverage Credit
  • Protective Devices Credit
  • Gated Community Credit
  • New Home Credit
  • Longevity Discount
  • Remodeled Home Credit
  • Higher Deductibles
  • Senior Community Credit
  • Transfer Discount

Coverage Options

We offer many coverage options to meet your specific needs, including:

  • Personal Injury
  • Expanded Replacement Cost
  • Scheduled Personal Property
  • Special Form on Personal Property
  • Increased Limits of Jewelry and Guns Available
  • Water Sewer Backup
  • Home-Based Business
  • Increased Limits
  • Umbrella Liability
  • Watercraft Liability and Physical Damage
  • Earthquake Coverage

And many more options to tailor your policy.


Let Us Work for You

With roots dating back to 1923, The Main Street America Group provides personal and commercial insurance products in 36 states, and fidelity and surety bonds in 45 states.  Main Street America and our Austin Mutual Insurance Company hold an "A" (Excellent) financial strength rating and "a+" issuer credit rating from A.M. Best, the insurance industry's premier rating organization.


Need More Information?

To learn more about our custom-fit Homeowners coverage, please contact your local Austin Mutual independent insurance agent.

Disclaimer: The content provided is intended only as a broad overview of product(s) and coverage(s) from Austin Mutual Insurance Company. Coverage and product may vary by state.