A Mutual Heritage

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 Coverage Options

Homeowners

HG2NP - Package Named Perils policy that provides property and liability coverage for an owner-occupied town or city dwelling and, in some instances, a rural non-farming dwelling. 
HG2AC - Package Open Perils policy that provides property and liability coverage for an owner-occupied town or city dwelling and, in some instances, a rural non-farm dwelling. Open Perils coverage on dwelling and other structures; Named Perils coverage on personal property. 
HG2SP - Package Open Perils policy that provides property and liability coverage for an elite owner-occupied town or city dwelling, and in some instances, a rural non-farm dwelling. Open Perils and Replacement Cost coverage on dwelling; Open Perils coverage on other structures; Named Perils and Replacement Cost coverage on personal property.
HG9 - Provides Named Perils property only coverage for an owner-occupied town or city dwelling and, in some instances, a rural non-farm dwelling .
HG4 - Package policy that provides property and liability coverage for a tenant-occupied town or city dwelling and, in some instances, a rural non-farm dwelling.
HG6 - Package policy that provides property and liability coverage for an owner- occupied condo unit or townhouse.
RC 59 - Provides Named Perils property only coverage for owner-occupied, or rented, town or rural dwellings (and/or contents) when the Home-Guard or FarMate policy is not appropriate.
RC 59-1 - Provides limited Named Perils property only coverage; no coverage in the policy for the perils of theft or vandalism/malicious mischief.

Farmowners

RC 41 - Provides Named Peril coverage on eligible farm risks. Includes policy coverages, limitations, exclusions and conditions for the basic farm risk. Tailoring may be accomplished by the attachment of specific endorsements.
RC 54 - Provides Broad Form Peril coverage for the described dwelling and associated household personal property on farm dwellings of better than average condition and repair.
RC 53 - Provides Replacement Cost coverage and Risks of Direct Physical for the farm dwelling exhibiting superior condition and repair. Provides Replacement Cost coverage and Named Perils coverage for household personal property.

Personal Liability

Provides liability coverage, including Liability to Public, Medical to Public, and Property Damage to Others, that protects the insured property owner or tenant for most legal obligations that arise out of the insured premises or the insured's personal acts.

Farm-Guard Liability

Provides package liability protection of the farmer's assets, including Personal Acts of Insureds, Physical Condition of the Premises, and Business Operations (Farming).

Country Home Liability

Provides package liability protection (same as Farm-Guard) at a reduced premium when issued with appropriate property coverages and in accordance with the following underwriting requirements:

1. Total acreage limited to 80 acres;

2. Farm personal property cannot exceed $40,000;

3. Written with dwelling package at least $40,000;

4. Only incidental farming operation may be conducted on premises.

Owners, Landlords and Tenants Liability

Provides premises liability only coverage for bodily injury and property damage for one or two family (duplex) dwellings. Does not provide personal acts liability coverage or damage to property of others.

Special Personal Property

An Inland Marine type of endorsement which provides coverage against risks of direct loss to items of personal property specifically listed on the endorsement. A stated amount of insurance must be shown for each class of property insured. Losses will be settled on an actual cash value basis (unless the Replacement Value Endorsement is attached).

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