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.

Equipment Breakdown Coverage

From kitchen or laundry appliances, home entertainment equipment, to heating or air conditioning systems, more and more of today's homes are equipped with expensive, hightech items.

While not a warranty program, this valuable coverage protects homeowners from the cost of repairing or replacing household equipment damaged by mechanical, electrical or pressure failure.

That's the peace of mind that Equipment Breakdown Coverage from Homestead Mutual can provide - one less thing for you to worry about.

For more information, view or download our pamphlet below.

Buried Utility Line Coverage

Coverage:

  • Underground piping such as water, sewage and gas lines
  • Any buried connections, valves or equipment that serve underground piping
  • Underground wires such as electrical cable, power lines and communication or data wiring

Additional coverage and service enhancements:

  • Expediting expense coverage to help make immediate repairs
  • Loss of use coverage to reimburse living and temporary equipment expenses
  • Innovative Green coverage, and up to 50 percent more loss payment when making efficient equipment upgrades
  • Highly responsive claim services backed by 160 years of personal lines experience
  • Top-tier buried utility line protection at a competitive price

For more information, view or download our pamphlet below.


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