Below, you'll find the coverages we offer. This is a brief description of coverages. This is not a policy or binder and is not intended to represent or be a substitute for policy provisions. Coverages are subject to policy terms and conditions. Limits, exclusions and deductibles may apply. Please read an Oregon Mutual or Western Protectors policy for full coverage details. Coverage may be subject to change.

If you have questions about what coverages are right for you, please consult with your Independent Oregon Mutual Agent.

Oregon Mutual provides comprehensive insurance protection for covered direct and accidental losses to your home and other adjoining structures (except certain specifically excluded causes of loss).

Some of the coverages provided for your home include:

• Fire or lightning
• Windstorm or hail
• Freezing
• Weight of ice & snow
• Glass breakage
• Falling objects
• Theft
• Riot or civil commotion
• Explosion
• Vandalism, malicious mischief
• Vehicles
• Aircraft
• Smoke

Your personal property is covered for specified perils (See the policy for a complete description of coverage.)

Your possessions are covered anywhere in the world for:

• Fire or lightning
• Windstorm or hail
• Freezing
• Riot or civil commotion
• Aircraft
• Smoke
• Theft
• Vandalism
• Plus other as stated in the policy contract

Coverages and credits do not apply in all states. Ask your Independent Oregon Mutual Agent for details.