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Homeowner Policy
| MMG Insurance Company offers several Homeowner Policies to address a variety of
individual needs. Whether you own your home, condominium, or mobile home; rent an
apartment, or own a secondary/seasonal dwelling, you may be eligible for a MMG Insurance Company
Homeowner Policy. Your local Independent Agent can work with you to
design a policy tailored to meet your specific needs. |
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The Homeowner Policy includes:
- Dwelling coverage for a wide range of direct physical losses (i.e. fire, wind, smoke,
vandalism, and many other causes of physical loss)
- Other Structures coverage for personal use structures on the
residence premises (i.e. garage, utility shed, work shop, guest cottage, etc.).
- Personal Property coverage for your personal belongings (i.e. clothing, furniture,
computers, household items, etc).
- Loss of Use coverage should a covered loss make your home uninhabitable (i.e. additional
living expenses incurred so your household can maintain its normal standard of living).
- Personal Liability coverage for your negligence causing accidental injury to others or
damage to property of others.
- Medical Payments coverage that pays the necessary medical expenses incurred by
non-household residents resulting from an accident causing bodily injury.
MMG Insurance Company offers a variety of additional coverages and policy
"extras". Home Advantage and Home Advantage Ultra bundles numerous coverages at a reduced
rate. Other available endorsements include Special Personal Property Coverage, Earthquake
Coverage, Special Computer Coverage, Water Back Up and Sump Overflow, and Scheduled
Personal Property.
Premiums Saving Credits Include:
 | Merit Credit: Accumulate credit for being loss free (up to a maximum) |
| Longevity Credit: Accumulate credit for the years you are insured with MMG Insurance (up to a maximum)
| Portfolio Credit: Package two or more MMG policies and earn a credit (restrictions apply in some states) |
| Hydrant Credit: Available for risks located within 1000 feet of a hydrant. |
| Elite Homeowner Program is our most competitively priced and is designed for those homes showing evidence of superior construction and maintenance. |
| Master Homeowner Program is competitively priced and designed for homes of above average construction and maintenance. |
| Deductible Credits: By increasing your policy deductible, you will realize significant premium savings. |
| Protective Devices Credit: Approved and properly maintained installations of smoke detectors, central station alarm systems, fire and burglar alarms, and/or sprinkler systems result in additional savings. |
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Contact your local Independent Agent to see if you qualify for a
MMG Insurance Company Homeowner Policy.
| The program features
and coverage described throughout this site are in the broadest and most general terms. It
is our intention to provide a summary of the product and/or examples of available options.
Contractual coverage is stated in the actual forms and endorsements attached to
individualized policies. Some coverages may be subject to policy limitations, exclusions
and/or conditions. Specific policy language supercedes any and all representations
contained in this site. For specific coverage details and policy exclusions, refer to the
MMG Insurance Company Policy or contact your local Independent Insurance Agency. |
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