Rockford Mutual provides homeowners insurance for you whether you own or rent your residence. We provide coverage for your home, condominium, townhome, mobile/manufactured home, or apartment. Rockford Mutual provides protection for your home and personal property against such perils as:

  • Fire,
  • Lightening,
  • Windstorm,
  • Hail,
  • Theft,
  • Vandalism,
  • Smoke; Explosion,
  • Riot or Civil Act,
  • Aircraft Damage,
  • Falling Objects,
  • Weight of Ice, Sleet, or Snow,
  • Power Surge,
  • Bursting Water Heater,
  • Frozen Plumbing,
  • Water Damage from Plumbing or Heating System,
  • Vehicles,
  • Volcanic Eruption.
  • Additional coverages provided by Rockford Mutual are:

    • Coverage for Detached Structures,
    • Additional Living Expenses (Coverage provided to you for increased living expenses above what is normally spent for food, shelter, and other related items if your home is uninhabitable due to a covered loss),
    • Personal Liability (Pays damage if you are legally liable because of bodily injury or property damage as covered by the policy),
    • Medical Payments to Others (Pays necessary medical expenses resulting from bodily injury to visitors on your property or persons accidentally injured by your activities).

    The following discounts are available through a Rockford Mutual Homeowner Policy:

    • Multi-Policy Discount (if you have your home and auto with Rockford Mutual),
    • New Home Credit,
    • New Home Buyer Credit,
    • Dwelling Renovation Credit,
    • Home Claim Free Credit,
    • Loss Free Credit on Renewal,
    • Protective Device Credit.