Personal Homeowners Coverages with Oregon Mutual Insurance

Home Coverages

At Oregon Mutual we understand that your home is one of your most valued assets and we have designed our homeowner program with you in mind. We offer coverage for your home or condominium unit as well as tenant homeowner coverage for those who rent. Our affordably priced homeowner policy will help protect you in the event of a loss.

Coverage on your home should equal the cost to rebuild the home today with comparable materials. Your Independent Insurance Agent can help you determine the type and amount of coverage you need.

Homeowner
Our program for homeowners offers broad coverage for:

Your home
Other structures
Personal property
Additional living expense
Increased costs due to changes in building codes
Personal liability

Optional coverages available include special coverage for valuable items, coverage for pleasure boats, incidental business, and farming coverage.

Condominium Unit Owner
Our program for condominium unit owners offers broad coverage for:

Parts of structure not insured by your HOA
Personal Property
Personal Liability

Optional coverages available include loss assessment, special coverage for valuable items, coverage for pleasure boats, and incidental business coverage.

Renters or Tenants
Our program for renters or tenants offers broad coverage for:

Personal Property
Personal Liability

Optional coverages available include special coverage for valuable items, coverage for pleasure boats, and incidental business coverage.

Rental Dwellings
If Oregon Mutual insures your primary residence and you also own a residence that you rent to others, coverage is available for the structure and contents. Optional coverages available include landlord liability protection and medical payments to others resulting from injury on the rental premises and building Ordinance or Law and rental value.

Additional Coverages

Scheduled Property for Valuable Possessions
Homeowner policies have limitations on the coverage for valuable items such as jewelry, furs, silverware, and fine arts, but can be amended to provide additional protection for these higher valued possessions.

Watercraft Coverage
Your policy may be amended to provide coverage for pleasure boats, motors, trailers, and related equipment. Liability coverage for your pleasure boat may also be purchased.

Personal Umbrella Coverage
Provide additional liability coverage above required underlying policy limits. An umbrella policy is affordably priced and helps protect your assets in the case of a serious accident or injury to others.

Please contact an Independent Insurance Agent representing Oregon Mutual for more information or to apply for coverage.