Homeowners Insurance

So you can focus on making memories.

Home is more than a place to rest your head, home is a place you’ve built priceless memories and have treasured possessions. Home is a place we can step away from the stresses of life, where we unwind, where we long to be at the end of every day. Home is the place we share with those we love, which is why it is so worth protecting. 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. We have a variety of coverage options to ensure a speedy recovery after an unexpected event.

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What We Cover
  • Fire
  • Lightning
  • Windstorm
  • Hail
  • Theft
  • Vandalism
  • Smoke; Explosion
  • Riot or Civil Act
  • Aircraft Damage
  • Falling Objects
  • Weight of Ice/Sleet/Snow
  • Power Surge
  • Bursting Water Heater
  • Frozen Plumbing
  • Water Damage from Plumbing or Heating System
  • Volcanic Eruption
Additional Coverage
  • 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 damages if you are legally liable because of bodily injury or property damages 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.
Discount Options
  • 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