Homeowners Insurance
Protect your home and other structures on your property from loss due to dozens of causes.
Coverage Highlights
The foundation of Homeowners insurance, we protect your house and any other buildings on your property from loss from dozens of causes.
Coverage for physical damage and liability can be added to your Homeowners policy for ATVs, snowmobiles, and other small vehicles.
Coverage for physical damage and liability can be added to your Homeowners policy for boats or personal watercraft under 26 feet or smaller.
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 features include…
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.
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
Add-on Coverages
Customize your Homeowners insurance policy with these optional add-on coverages.
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What To Do When The Power Goes Out
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 -
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 TranscriptPlanning 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
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
