Keeping a roof over your head with Homeowners Insurance

Home insurance that ensures you aren’t left out in the cold through loss or damage.

The adage says home is where the heart is. Your home is where you and your family make memories. That’s why it’s important to properly protect it. We’ve built our reputation on the promise to protect what’s important to you. Our agents will work with you to develop a personalized homeowners insurance package that delivers on our promise.

Available Home Insurance Coverages

Property insurance/hazard insurance coverage

Covers many types of damage to your home/condo and separate structures from hazards like wind, fire, hail, theft and vandalism. Trust Rural to provide the best house hazard insurance and wind and hail coverage that Wisconsin has to offer.

Personal property coverage

Protection for your personal belongings, like furniture, electronics, clothing and appliances.

Liability coverage

Protects you when you’re legally liable for someone else’s bodily injury or property damage resulting from an accident by you or household members on or off premises.

Umbrella coverage

Sometimes you might not have enough coverage to protect you properly. Umbrella coverage insures above and beyond the limits of your typical liability coverage.

Medical coverage

Covers medical expenses incurred if someone gets injured by accident within your home.

Recreational vehicle coverage

Provides recreational vehicle coverage options to help protect you and your weekend getaway plans at an affordable rate.

Watercraft coverage

Properly insure your boat and watercraft under your Rural Mutual homeowners insurance policy.

Equipment breakdown

Systems you rely on, like your water heater, air conditioning, refrigerator, are susceptible to mechanical and electrical failures. If you’re not protected, repairing or replacing this critical equipment can cost a fortune. Learn more.

Identity fraud expense

This optional coverage can protect your identity from being stolen or help you get it back.

Builder’s risk

Protect your investment with builder’s risk insurance while building your dream home or building.

Back up of sewer and sump pump overflow

Add this affordable coverage to your policy to avoid a disaster and be prepared to arrange for clean-up or repair services ASAP.

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Rural Mutual's Focus on Personal Claims Service

Rural Mutual Agent, James Wehinger talks with Dennis Erickson about their exceptional claims experience with Rural Mutual.

Our discounts make home even sweeter

Premium savings is one more reason to choose Rural Mutual Insurance.

We’ve been listening to our customers since 1934, learning about what they need and developing options that answer those needs. For customers who insure their home, condo with us, we offer a number of insurance discounts:

Multi-policy discount

If you insure your car with us, you’ll get even more savings. Have a farm, ask us about home and farm insurance discounts.

Multi-Vehicle – Add more than one household vehicle to your policy to receive a multi-vehicle discount.

Multi-Policy – Bundle and save! Purchase a home insurance policy with your auto policy to earn discounts.

Good Student – Getting good grades? Get rewarded for your hard work.

Claims Free – Been a while since your last claim? Receive a discount for staying safe!

Acquisition – Are you a new farm insurance customer of ours? Add auto insurance and get the rate you are currently paying if it is cheaper than our rate!

Pay Plan Discount – Get a discount if you pay your premium every 6 months.


Learn what affects your home and auto insurance rates here.

Talk to a Rural Mutual Insurance agent for more details on Wisconsin home mutual insurance discounts.

Premiums paid here, stay here to keep Wisconsin strong.

Every insurance quote should be unique because every situation is different. That’s why you will never see a computer generated quote from us anywhere online. We first match you with a local agent who will get to know you and your entire situation. Your agent will then prepare a quote specifically tailored to fit your needs. It’s the Rural Mutual difference that sets us apart.

Everything breaks down.

Be Ready with Homeowners Equipment Breakdown coverage.

Home Insurance Learning Center