Homeowner

A home is one of our biggest investments. Austin Mutual provides a package of property and personal liability coverage with the flexibility to add various optional coverages. Thus, enabling you to tailor a policy to fit your family’s needs.

Our homeowner product is competitively priced with the consumer in mind. We have a full array of coverage protection, whether a single family residence, condominium, town house, or apartment, Austin Mutual provides coverage around the clock at an affordable cost.

 

 

Programs and Features

 

  • Home Xtra+ (Form 5)

This program is designed to provide maximum coverage for the single family risk.  Home Xtra+ provides Special Form Personal Property and many more coverages.

  • Home Xtra (Form 3)

This program is designed to provide preferred comprehensive single-family insurance protection. Home Xtra includes many automatic coverage extensions such as Dwelling Expanded Replacement Cost and Personal Property Replacement Cost.

  • Standard Homeowner (Form 3)

This program is for the one- to four-family owner-occupied dwelling. Seasonal or Secondary residences are acceptable if we insure the primary residence.

  • Unit Owners – Condominium Owners (Form 6)

This program is designed for individuals who own and occupy a condominium unit.

  • Tenant – Renters (Form 4)

This program is designed for individuals who occupy an apartment or dwelling as a tenant.

Common Loss Deductible
One deductible applies per occurrence when you have multiple policies with Austin Mutual.

 

All programs provide Identity Recovery Protection coverage. 

Learn more...

 

Policy Discounts - Personalized Pricing to Save You Money

  • Supporting Coverage
  • Remodeled Home Credit (Minnesota only)
  • Protective Device Credit
  • Total Electric Heat Credit
  • Higher Deductibles
  • Gated Community Credit (Select States)
  • New Home Credit
  • Senior Community Credit (Select States)


Coverage Options – To Meet Your Specific Needs

  • Sewer Water Backup
  • Recreational Vehicle Coverage
  • Home Based Business
  • Scheduled Property
  • Watercraft Liability & Physical Damage
  • Expanded Replacement Cost
  • Jewelry and Gun Coverage
  • Special Form on Personal Property
  • And Many More To Meet Your Needs…


Learn more about protecting your personal assets with coverage options, higher limits
and umbrella liability…

 

The content provided is intended only as broad overview of product(s) and coverage(s). Coverage and product may vary by state. The policy provides the detailed description of coverages, limitations and exclusions.