Protect your home — and everything in it.

Ohio Mutual protects your family by insuring your home against fire, smoke, windstorm and other risks, and can help with homeowners and condominium insurance products tailored to meet your individual needs.

What’s covered with our policies

Your Ohio Mutual agent can help to ensure all the things you and your family value most are adequately protected with our homeowners insurance policies.

  • Dwelling
  • Other Structures
  • Personal Property
  • Personal Liability
  • Medical Payments to Others
  • Additional Living Expenses

Customize your homeowners coverage

Ohio Mutual offers a number of add-on coverages to help you create the perfect package of protection for home and family. 

  • Personal cyber protection (certain states)
  • Replacement cost coverage for your contents
  • Replacement Guarantee for your dwelling
  • Secondary/seasonal homes with primary support
  • Liability coverage for a seasonal residence or a residence rented to others
  • Incidental business exposure in home
  • Equipment breakdown/service line coverage
  • Additional coverage for back up of sewers or drains
  • Approved wood burner
  • Coverage for jewelry, fine arts, firearms, cameras, coins and collectibles
  • Earthquake coverage
  • New construction — theft of building materials

States where we offer homeowners coverage

Coverage and discounts may vary slightly from state to state. Consult your local agent for specific coverage available to you.
Connecticut, Indiana, Maine, New Hampshire, Ohio, Rhode Island (condo/renters), Vermont

Keep your coverage affordable with these discounts

Ohio Mutual offers a wide variety of discounts that allow you to customize a collection of homeowners’ coverages at an affordable price.

  • Certain types of protective devices (smoke detectors, security systems)
  • Dwelling less than 20 years of age
  • New roof discount
  • New home under construction
  • Teachers/first responders/veterans
  • Also placing your auto (and umbrella) coverage with Ohio Mutual
  • Various pay plans/paperless policy
  • Move-in discount (certain states)
  • Occupational discounts (certain states)
  • Mortgage free discounts (certain states)

Your local independent Ohio Mutual agent can ensure you have the right coverage at the right price.

Find a local agent.