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Homeowners Insurance

 

Coverage Highlights

 Dwelling Coverage 

The foundation of Homeowners insurance, we protect your house and any other buildings on your property from loss from dozens of causes.

 Recreational Motor Vehicles 

Coverage for physical damage and liability can be added to your Homeowners policy for ATVs, snowmobiles, and other small vehicles.

 Watercraft 

Coverage for physical damage and liability can be added to your Homeowners policy for boats or personal watercraft 26 feet or smaller.

 

Other features include…

Homeowners Discounts Available

  • Central Station Fire/Burglar Alarm
  • Experienced Homeowners (Age 50 and over)
  • Increased Deductible
  • Multi-policy Credit for Auto and Umbrella
  • New Home

Other Members of Your Household

We will insure someone who lives with you and is a member of your household by adding this endorsement to the policy. No additional charge to add this coverage.

Waiver of Deductible Credit

You can reduce your deductible each year you do not file a claim with us.  After each claim free year we’ll apply a $75 deductible credit to your policy! The maximum total credit available is $750.

Select Homeowners policy types

Special Form (HO-3)
Contents Broad Form (HO-4): Coverage for tenants like apartment renters
Unit-Owners Form (HO-6): For condominium owners

Get a quote now!

Talk to your independent insurance agent for a quote on coverage, and for more details on what Hastings Mutual can do for you.

Find an Agent 

 
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Free Identity Theft Protection Included
Free CyberScout™ Identity Theft Protection enrollment included with Homeowners coverage.
Learn More
 
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      January 22, 2020 - 1:32 PM

      At Hastings Mutual, we’ve got a long history with insurance coverage for windstorms. The company was actually formed as the Michigan Mutual Tornado, Cyclone, and Windstorm Company in 1885, after cyclones struck Hastings and the surrounding area twice in three years, causing about $225,000 in damage (roughly $5.7 million today).These...Full story
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      Building a “Bug Out Bag” for Homeowner Safety

      October 16, 2019 - 2:53 PM

      Handling risk. That’s what we do, and it’s in fact the entire purpose of insurance: risk management. If something goes wrong you want reassurance that someone is there to support you, and get your business, home, or farm back up and running as...Full story

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      Planning Spring Planting (video)

      June 6, 2019 - 10:32 AM

      Video Transcript

      Planning Spring Planting

      Spring is finally here, and it’s time to think about planting your vegetables and flowers so you can enjoy them all summer long.

      Some of you may plant in small plants or fill acres of land with what you...Full story

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      Farm and Garden Winter Prep (video)

      November 14, 2018 - 4:05 PM

      Video Transcript
      ...Full story
     

    The information on this page is made available for educational purposes only. The information referred to is not an official company statement, corporate policy, or offer of coverage. Refer to your insurance policy for specific coverage. There is no representation as to the accuracy or completeness of any information found by following any link on this site. Please contact your local independent insurance agent with further questions and for more details on any insurance policy-related information you read here.

    Hastings Mutual Insurance Company
    404 E. Woodlawn Ave.
    Hastings, MI 49058

     

    Monday-Friday
    8:00 a.m. - 4:30 p.m. (EST)

     

    (800) 442-8277

    Insurance Journal Super Regional P/C Insurer
    Standing the Test of Time
    CIO 100 winner

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