Home/Condo/Renters Insurance

Personal Property Insurance for You and Your Family

You grow, you change. Every phase of life requires you to re-evaluate the level of protection you want for your family, your home and your belongings. Your Rural Mutual Insurance agent will help you find the perfect fit for your life circumstances:


No matter what you consider home, we will help protect it – and your personal belongings.

Single Family Home

Homeowner’s insurance protects your house and personal property and includes liability coverage for your home and premises. You can also insure watercraft and recreational vehicles on this policy.


Typically your condominium association’s insurance coverage stops inside the exterior walls, meaning that you are responsible for the interior as well as your personal property and liability exposures.


Affordable coverage for renters who need personal property and liability protection. You can insure your boats and recreational vehicles on this policy, too.

Discounts Available

  • Multi Policy

    A 10% credit applies to a home/condo/renters policy if there is an in force Private Passenger Auto policy with Rural Mutual.

  • New Home

    A discount of up to 25% applies based on the age of your home

  • Protective Devices

    Credits may be allowed for the installation of a burglar alarm, fire alarm or automatic sprinkler system in the dwelling.

Home/Condo/Renters Optional Coverages:

  • Umbrella Liability
  • Watercraft
  • Recreational Vehicles
  • Equipment Breakdown
  • Identity Fraud Expense
  • Builder’s Risk
  • Back up of Sewer and Sump Pump Overflow
  • And more

Additional Coverage & Services Available:

This information is intended to highlight the features of Rural Mutual’s Home/Condo/Renters insurance programs. For a detailed description of exact coverages, limitations, conditions and exclusions please refer to the policy itself and any endorsements.

To learn more about available Home/Condo/Renters Insurance coverage or to get a quote, contact a Rural Mutual agent.