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Homeowners/Renters Insurance: The "security system" you can't afford to overlook.

There was a time when Americans felt little need to lock their doors. Nowadays, very few people would dream of leaving home without bolting the front door, but many give little thought to the "security system" that protects them in ways that a lock and key never could - their homeowners insurance policy.

According to a recent study by Marshall & Swift, nearly 70 percent of all homeowners have insufficient insurance coverage to rebuild homes or replace possessions destroyed in a disaster or lost to theft. That's why Mutual Benefit has developed a "security system" for your lifestyle - a variety of homeowners coverages that can be specially tailored to meet your individual needs and protect your family, your home, and your belongings from numerous loss, damage and liability situations. Ask your independent insurance agent for information about our Standard, Preferred, and Promark homeowners policies; our optional and specialty coverages; and the discounts and credits we offer when you purchase your insurance "security system" through Mutual Benefit.

Homeowners Programs

Standard Program
The basic homeowners policy provides coverage for:

• Damage or loss to your home and/or other structures on your property, such as sheds and fences, caused by situations specifically listed in your policy, such as fire, windstorm, lightning or theft, and damage to or theft of your personal property.
• "Loss of use" of your home. This coverage pays for above-normal expenses you may incur if you must live elsewhere while your home is being repaired or replaced following a loss that is covered under your insurance policy.
• Personal liability obligations you may find yourself responsible for should someone be injured on your property or should your actions, or those of one of your family members, result in injuring another or damaging another's property.
• Medical payments to those injured on your property, whether the injury was your fault or theirs.

Mutual Benefit offers a tenants (renters) policy, which covers damage to or theft of personal property, loss of use, personal liability, and medical payments to others. We also make available a policy specifically designed to meet the needs of condominium owners.

Preferred Program
Designed to offer broader coverage at lower rates, our Preferred Program permits you to economically increase the limits for which your home and possessions will be repaired or replaced. Eligibility requirements vary from state to state. Check with your insurance agent to determine whether or not you qualify.

Promark Program
Promark is the key to protection for homeowners who are looking for added coverage at an attractive price. We've included in just one policy many features that normally must be purchased separately, such as:

• Coverage to replace or repair your personal property at today's prices
• Damage from water and sewer backup
• Coverage for computers, software, business property at your home, and credit cards
• Higher limits of coverage for valuables like jewelry and firearms
• Increased limits of liability protection for accidents and personal injury situations

Mutual Benefit developed its Promark program as a customized plan for those who desire tailored insurance coverage to safeguard their lifestyle. Talk with you insurance agent to see if you meet the eligibility requirements. We offer a Promark program to cover personal autos, too. Click here to find out more.

Optional and Specialty Coverages

Mutual Benefit offers a variety of ways for you to customize your insurance coverage to protect your lifestyle. Ask your insurance agent to explain how you could benefit from purchasing optional protection not provided for in a standard homeowners or tenants policy, such as:

• Coverage for water or sewer backup
• Special coverage for highly valued possessions like jewelry, fine art, collectibles and firearms
• Replacement cost protection for your home or personal property

Your agent can also explain our specialty coverages:

The Promark Advantage - A substantial bundle of coverages automatically included as part of our Promark Homeowners policy, the Promark Advantage can also be purchased separately by those in our Preferred program.

The Home Advantage Program - Designed to be used in conjunction with your homeowners policy, the Home Advantage Program provides an affordable, extra layer of protection that enhances and expands the coverage found within a basic homeowners policy.

Blanket Valuable Items Coverage - This coverage is available for purchase in all of our homeowners programs and allows you to choose a limit in an amount up to $20,000 for a particular class of valuable item that would normally have to be "scheduled" separately for a higher limit of coverage than that provided on a basic homeowners policy.

Homeowners Builders' Risk - Protects you against theft of building materials and supplies as you construct a new home.

Personal Umbrella Policy - Mutual Benefit's personal umbrella liability policy shelters you from the financially devastating effects of a large liability claim by offering $1 million and $2 million limits over and above the liability coverage limits provided in a basic homeowners or auto policy, and makes available additional protection from hazards not covered by basic policies.

Here's how you can save money on your homeowners insurance policy:

• Personal Account Credit - Receive a discount if you insure your auto with Mutual Benefit.
• New Home Discount - Save up to 20% on your insurance premium if your home is less than ten years old.
• Loss-Free Discount - If you have not had a homeowners loss in three or more years, you may qualify to save 5% on your premium.
• Protective Device Credit - Installation of protective devices ranging from simple smoke detectors to sophisticated central station burglary or fire alarms in your home make you eligible for a credit. If you have a combination of protective device systems, you'll save even more.

Quick contact: - Call: 1-800-283-3531 - or email: info@mutualbenefitgroup.com