Homeowner Program Features


Western National offers a variety of homeowner forms that include many unique benefits at no additional charge, including:

Penalty-Free Promise*

All of our policies come with our unique Penalty-Free Promise. Policy premium is never increased as a result of claims.

Common Loss Deductible

Customers that incur damage to property covered under more than one Western National personal lines policy pay only the highest applicable deductible.

Additional Insurance – Coverage A (Dwelling)

For added protection, our Preferred forms include additional insurance at 150% of Coverage A at no additional charge. (“Guaranteed” replacement cost coverage is included in Wisconsin form 5 and available in Wisconsin form 3). 125% of Coverage A is available in our Standard form.

Water Back-Up Coverage

Minnesota, South Dakota, and Wisconsin policies include $5,000 coverage for water back-up. Limits up to $100,000 are available for purchase in all states.

Identity Fraud Expense Coverage

All Homeowner forms include $10,000 coverage to reduce expenses incurred as a result of identity fraud. Additional limits up to $50,000 are available for purchase.

Personal Injury

Coverage for policyholder liability due to personal injury is included in our Preferred forms and available for purchase in our Standard forms.


Western National offers many optional coverages to meet the needs of today’s insurance consumer. Examples of some popular options include:

Scheduled, Agreed Value and Blanket Jewelry

Policyholders may choose to specifically insure their high-value jewelry items for open peril coverage. They may also choose to purchase a blanket limit of $5,000, $7,500, or $10,000 to cover multiple items each valued under $2,500.

Equipment Breakdown

Homeowners may choose to purchase coverage for breakdown of equipment, such as appliances and HVAC systems. The limit is $50,000 per occurrence and a $500 deductible applies.

Service Line

Exterior underground piping or wiring coverage that may be added to primary homes in the Preferred program. The limit is $10,000 per occurrence with an applicable $500 deductible.

Boats and Snowmobiles

Customers may add coverage for boats and snowmobiles to their Homeowner policy.


* “Penalty-Free” means your rates are never increased due to claims. Initial and ongoing eligibility for coverage not guaranteed. Coverage not available in every state.