Homeowners Insurance

Our Homeowners program provides property protection for your house, other structures, personal property, and property of others in your possession and control.  Liability coverage is automatically provided to protect your assets.

Coverage Plus
Our Coverage Plus endorsement enhances your Homeowners policy to guarantee additional protection for your home and personal belongings.  Coverage Plus includes additional benefits such as:

  • Replacement cost on personal property
  • Increased sewer and drain backup
  • Personal injury protection
  • Increased identity recovery expense
  • Increased debris removal
  • Increased coverage limits on theft of money, securities, jewelry and furs, firearms, and silverware/gold-ware
  • Lock and entry replacement for stolen keys
  • Increased credit card, fund transfer card, forgery and counterfeit money coverage
  • Loss assessment increase
  • Mortgage extra expense coverage
  • Incidental business liability coverage available
  • Landslide

Identity Theft

Protecting you from the growing threat of identity theft is Hastings Mutual’s top concern.  Your policy comes with additional coverage for any out-of-pocket expense incurred as a result of identity theft or personal fraud of financial information. Additional limits are provided with the purchase of our Coverage Plus endorsement.

Click here to see all of the services our identity theft coverage offers.

Personal Property

You have the ability to add coverage for specific items such as jewelry, fine arts, boats and motors, eyeglasses/contacts, portable tools, dentures and hearing aids, lawn tractors, cellular phones, recreational vehicles, and personal computers. 


Watercraft coverage is available for:

  • Outboard motorboat
  • Outboard motor
  • Pontoon boat
  • Rowboat, canoe, or dinghy
  • Inboard-outdrive motorboat
  • Inboard motorboat
  • Sailboat
  • Boat trailer
  • Boat accessories and equipment
  • Personal watercraft
  • All vessels, including sailboats, must be less than 26 feet in center-line length

Recreational Vehicles

Recreational vehicle coverage is available for:

  • Recreational vehicles on premises coverage
  • Options to add off premises and physical damage coverage for recreational vehicles
  • Coverage on and off premises for golf carts 

Leisure Sports Equipment

Do you have an expensive hobby?  For a small fee, this coverage provides extra protection for hunting, fishing, and golfing equipment for risks of physical loss except as otherwise excluded.

Dwelling Under Construction

Coverage is available for new dwellings that are being built with construction to be completed within one year.  This additional endorsement provides coverage for building material while in transit and at the building site for the perils covered under a Homeowners policy, including theft. 


Earthquake coverage applies to the Dwelling, Other Structures, Personal Property, and Loss of Use coverages for the same limits provided in the policy.

Personal Injury Protection

Personal injury to others, such as false arrest, libel, or invasion of privacy, may be added to the Homeowners policy. 

Discounts and Credits

  • Multi Policy Discount
  • New Home Credit
  • Waiver of Deductibles Credit
  • Protective Device Credit