Homeowner & BlueStar Programs

BlueStar Homeowner Program Our Best Insurance Protection for Your Home Residence

Included Coverage:

  • Residence – Comprehensive coverage for your home.
  • Related Private Structures – The detached structures on the insured premises.
  • Personal Property – Protection for your personal belongings.
  • Liability/Medical Payments – Provides defense and coverage for injury or damage in which you are liable.
  • Additional Living Expense – Expenses you incur if you cannot live in your home after a covered loss.
  • Equipment Breakdown – Coverage for your home appliances and equipment due to mechanical failure.
  • Fire Department Service Charge – Charges incurred due to fire departments called to protect your property.
  • Identity Fraud Expense – Expense reimbursement for costs associated with identity fraud.
  • Inflation Guard – Automatically increases your home limit to protect against increased building costs.
  • Lock Replacement – Replaces your locks if your keys are lost or stolen.
  • Preferred Replacement Cost Endorsement - Additional protection for you home if underinsured after a total loss.
  • Replacement Cost Personal Property – Claim settlement for personal property on a replacement cost basis.
  • Refrigerated Property – Payment for direct loss to covered property stored in a freezer or refrigerator due to loss of power.
  • Replacement Cost Dwelling – Claim settlement for the home at replacement cost up to the policy limit.
  • Tree Removal – For fallen trees due to wind.

Optional Coverage:

  • Extended Liability – Extended to additional property you occupy or rent to others.
  • Inland Marine – Expanded coverage for your jewelry, guns, fine arts, etc.
  • Motorized Vehicles Used to Service Premises – Increased coverage over the automatic limit on the policy for items such as motorized lawn and garden equipment.
  • Personal Injury – Coverage if you are sued for libel, false arrest, or slander.
  • Recreational Vehicle – Physical Damage and Liability coverage for acceptable boats, ATVs and snowmobiles.
  • Residence under Construction – Collapse and Theft – Theft and collapse coverage while your new home is being built.
  • Trampoline Liability – For trampolines that include a safety net.
  • Tree Removal – Additional coverage for fallen tree removal due to wind.
  • Water Back Up and Sump Discharge or Overflow – $1,500 included, additional Water damage that backs up through your sewer, drains, or sump pump is available.
  • Weight of Ice, Snow, or Sleet – Loss to outbuildings due to collapse from the weight of ice, snow or sleet.

Available Discounts:

  • New Home – Under 10 years of age.
  • Claims Free - This discount is earned while insured with HMIC on a continual basis (Renewal).
  • Senior Citizen - This discount applies if this home is their primary residence and when the named insured is age 65 or over.
  • Home/Auto Discount - This discount applies if the home is their primary residence and Agent provides a copy of a personal auto declaration page or copy of a personal auto application.
  • Protective Devices - Use of a protective device warning system to notify a central station off-premise on a 24-hour alarm system may qualify for a discount.

Homeowner Program

Included Coverage:

  • Residence – Comprehensive coverage for your home.
  • Related Private Structures – The detached structures on the insured premises.
  • Personal Property – Protection for your personal belongings.
  • Liability/Medical Payments – Provides defense and coverage for injury or damage in which you are liable.
  • Additional Living Expense – Expenses you incur if you cannot live in your home after a covered loss.
  • Equipment Breakdown – Coverage for your home appliances and equipment due to mechanical failure.
  • Fire Department Service Charge – Charges incurred due to fire departments called to protect your property.
  • Identity Fraud Expense – Expense reimbursement for costs associated with identity fraud.
  • Lock Replacement – Replaces your locks if your keys are lost or stolen.
  • Replacement Cost Personal Property – Claim settlement for personal property on a replacement cost basis.
  • Refrigerated Property – Payment for direct loss to covered property stored in a freezer or refrigerator due to loss of power.
  • Replacement Cost Dwelling – Claim settlement for the home at replacement cost up to the policy limit.
  • Tree Removal – For fallen trees due to wind.

Optional Coverage:

  • Extended Liability – Extended to additional property you occupy or rent to others.
  • Inflation Guard – Automatically increases your home limit to protect against increased building costs.
  • Inland Marine – Expanded coverage for your jewelry, guns, fine arts, etc.
  • Motorized Vehicles Used to Service Premises – Increased coverage over the automatic limit on the policy for items such as motorized lawn and garden equipment.
  • Personal Injury – Coverage if you are sued for libel, false arrest, or slander.
  • Recreational Vehicle – Physical Damage and Liability coverage for acceptable boats, ATVs and snowmobiles.
  • Residence under Construction – Collapse and Theft – Theft and collapse coverage while your new home is being built.
  • Trampoline Liability – For trampolines that include a safety net.
  • Tree Removal – Additional coverage for fallen trees due to wind.
  • Water Back Up and Sump Discharge or Overflow – $1,500 included, additional Water damage that backs up through your sewer, drains, or sump pump available.
  • Weight of Ice, Snow, or Sleet – Loss to outbuildings due to collapse from the weight of ice, snow or sleet.

Available Discounts:

  • New Home – Under 10 years of age.
  • Claims Free - This discount is earned while insured with HMIC on a continual basis (Renewal)./li>
  • Senior Citizen - This discount applies if this home is their primary residence and when the named insured is age 65 or over.
  • Home/Auto Discount - This discount applies if the home is their primary residence and Agent provides a copy of a personal auto declaration page or copy of a personal auto application.
  • Protective Devices - Use of a protective device warning system to notify a central station off-premise on a 24-hour alarm system may qualify for a discount.

Please contact Homestead Mutual and/or your agent for more information on these programs.