Homeowners

The following is a brief description of options available from Security Mutual Insurance Company. In the event of a covered loss, the policy that is in force at the time of the loss applies.


PERFECT FOR
Owner-occupied dwelling with up to FOUR units
Seasonal/secondary dwellings
Log Homes
Tenants
Owner-occupied Condominium
Modular homes on a permanent foundation

Double-Wide manufactured homes on a continuous masonry foundation
A continuous masonry foundation, shall mean, an uninterrupted wall of masonry — cinder or cement block — extending from below grade level; up to the building; enclosing the base of the building or manufactured home.
 

Security Mutual Insurance Company is represented by independent insurance agents throughout New York State.

To obtain a quote or apply for the best program for your specific situation, please contact a licensed agent. To find the agent nearest you, click here.


COST–SAVING CREDITS
Deductibles of up to $10,000
Renewal credit to save 5%
New Home discounts to save up to 10%
Alarm credits to save up to 10%
Superior Home credit to save 10% if the home qualifies
Nonsmokers credit to save 10%
 
OPTIONAL COVERAGES AVAILABLE
Added Water Damage
Additional Household Member
Assisted Living Care Facility Resident
Boats
Computers
Earthquake
Farmers Comprehensive Personal Liability
Golf Cart Liability
Increased Limits on Private Structures
Inflation Guard
Jewelry, Silverware, Furs, and other schedules of personal property
Personal Injury
Replacement Cost on Contents (not available with the ML-1R form)
Residence Special Loss Settlement Endorsement
Siding and/or Roofing Matching
Underground Utility Line Endorsement

Equipment Breakdown is standard on all new policies. Click here to view “Introducing Homeowners Equipment Breakdown Insurance” presentation

Identity Theft is standard on all new primary home policies
 

All submissions are subject to completion of our underwriting process including, but not limited to, review of: a properly signed and completed application, inspection and other underwriting resource material. If there is a conflict between the coverage statements within a proposal and the actual insurance policy, the policy provisions will apply.