Homeowner

Condominium Homeowner
This policy provides coverage for parts of your condominium structure not insured by the condominium association, as well as your personal property and your legal liability for bodily injury to others. Optional coverages available include loss assessment, special coverage for valuable items, coverage for pleasure boats, and incidental business coverage.

Renters or tenants
Coverage is provided to protect your personal property and your legal liability for bodily injury to others. Optional coverages available include special coverage for valuable items, coverage for pleasure boats, and incidental business coverage.

Rental dwelling
If Oregon Mutual insures your primary residence and you also own a residence that you rent to others, coverage is available for the structure and contents. Coverage is also available for landlord liability protection and medical payments to others resulting from injury on the rental premises. Optional coverages include building Ordinance or Law and rental value.

Scheduled property for valuable possessions
Homeowner policies usually have limitations on the coverage provided for valuable items such as jewelry, furs, silverware, and fine arts. Your homeowner, condominium or tenant homeowner policy can be amended to additional protection for these higher valued possessions.

Personal Umbrella Coverage
A personal umbrella provides additional liability coverage above required underlying policy limits on your homeowner, auto, watercraft and other personal insurance policies. The umbrella policy is affordably priced and helps protect your assets in the case of a serious accident or injury to others. Umbrella liability limits start at $1,000,000; however, limits up to $5,000,000 are available.

Watercraft Coverage
Your Homeowner, Condominium Homeowner or Tenant Homeowner policy may be amended to provide coverage for pleasure boats, motors, trailers, and related equipment. Liability coverage for your pleasure boat may also be purchased.

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