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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, barn, 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". The Plus Endorsement 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: (loss free) save up to 12 % off your policy premium |
| Portfolio Credit: 5%-10% is allowed on risks packaged with at least one
other personal lines policy. |
| Hydrant Credit: 5% is available for risks located within 1000 feet of a
hydrant. |
| Homes built w/in the last 20 years showing evidence of superior construction and maintenance may qualify for the Elite Homeowner Plan, which includes the Homeowner Plus Endorsement at no additional charge. |
| Homes built in the last 35 years showing evidence of above average construction and maintenance may qualify for the Master Homeowner Plan. The year of construction criteria may be waived entirely upon acceptable completion of a Revitalized Home Warranty detailing the system updates to the dwelling. |
| Deductible Credits: By increasing your policy deductible to $750, $1,000, $2,500 or $5,000, you will realize significant premium savings. |
| Protective Devices Credit: Approved and properly maintained installations
of fire alarms, burglar alarms, and/or sprinkler systems result in additional savings
ranging from 1%-2% for local smoke detectors, up to 10% for central station alarm systems,
and up to 13% for a fully automatic sprinkler system. |
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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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