Homeowners Policy

The responsibility of owning a home can be overwhelming.  Like most people, your home is the most significant investment you will make and you need to provide a level of protection to help you through any loss or disaster.  A homeowner’s policy with Nazareth Mutual Insurance Company can provide you with the protection and peace of mind needed so that you can enjoy your home.  We even provide sinkhole coverage at no extra cost.


A Homeowner’s Policy through Nazareth Mutual Insurance Company can provide key protection against some or all the following perils, based upon an underwriting review of your home:

  • Fire or Lightning
  • Explosion
  • Aircraft
  • Smoke
  • Theft
  • Weight of Ice, Snow, or Sleet
  • Freezing
  • Accidental Damage from Electrical Currents
  • Windstorm or Hail
  • Riot or Civil Commotion
  • Vehicles
  • Vandalism & Malicious Mischief
  • Falling Objects
  • Accidental Damage to Heating System
  • Accidental Discharge of Liquids or Steam

A Homeowner’s Policy through Nazareth Mutual Insurance Company can also provide key protection for your Personal Property; the items which are not a permanent part of the home, and will provide you with living expenses in the event that you are unable to live in your home as a result of a covered loss.  In addition, a Nazareth Mutual insurance policy also provides Property Damage Liability and Personal Liability coverage against claims resulting from bodily injury or death to others for which you are legally responsible for.  Your Nazareth Mutual policy also offers Medical Payments to others who may be injured on your property. You may also endorse you Nazareth Mutual homeowner’s policy to add the following Optional Coverages:

  • Sewer and drain backup
  • Replacement cost for Personal Property
  • Expanded replacement cost for the building
  • Money & Securities
  • Scheduled or High Value Personal Property such as jewelry, furs, guns, antiques and collectibles

Nazareth Mutual Insurance Company also offers a claims-free discount to policyholders who have not had a claim in the past three years.Contact an Agent today to see what Nazareth Mutual can do for you.