Homeowners Insurance

Family Mutual Insurance offers homeowners insurance in North Dakota. Homeowners insurance is a part of a crucial strategy to protect and preserve your home and property from the risks and perils facing all homeowners. Family Mutual Insurance also offers a wide variety of optional coverage to insure against common claims and help protect your rare or exceptional property.

HG2 Home Guard Broad Form Policy

The HG2 Home Guard Broad Form provides property protection to your dwelling, coverage for other structures at the residence premises, and personal property coverage, including additional living expense coverage should your residence become inhabitable due to a covered loss.

Liability and medical payments to public coverage are also provided, and various endorsements are available to amend the basic homeowners insurance coverage to cover specific property risks. The Home Guard Broad Form is designed for use on owner-occupied, town, and city dwellings.

For further information regarding the HG2 Home Guard policy, please visit our Agent Locator to select your particular county an select an authorized agent to assist you today.

HG3 Home Guard Special Form Policy

The HG3 Home Guard Special Form Policy provides replacement cost coverage for your dwelling, other structures at the residence premises, and personal property, including additional living expense coverage should your residence become inhabitable due to a covered loss.

Liability and medical payments to public coverage are also provided as a part of HG3 Home Guard Special Form homeowners insurance, and this coverage is designed for use on owner-occupied town and city dwellings. The HG3 Home Guard Special Form homeowners insurance is an all-risk policy.

For further information regarding the HG2 Home Guard policy, please visit our Agent Locator to select your particular county an select an authorized agent to assist you today.

HG4 Home Guard Contents Broad Form

The HG4 is a popular policy to insure the property of a college student living away from home. While many homeowner policies extend coverage for college students living away from home, it is often best to keep risk separated in order to fully cover your assets in the event of a loss.

Depending on the type of homeowners insurance you have and your claims history, you may be entitled to recieve, or may be already receiving, a premium discount on your existing homeowners insurance policy. For this reason, many insurance agents in recent years are recommending that homeowners purchase additional coverage for college-bound students because not only will it fully cover a college student’s personal property at college, it will also preserve the existing premium discounts on your homeowners insurance.

For further information regarding the HG2 Home Guard policy, please visit our Agent Locator to select your particular county an select an authorized agent to assist you today.