Homeowners Insurance

Your home is a major investment and Merchants Insurance Group offers comprehensive insurance coverage for home owners at affordable prices.

Some of the included coverages Merchants provides for your home include:

Dwelling Coverage

Protection for your home for loss due to fire and lightning.

Other Structures Coverage

Provides coverage for your garage and other buildings located on your property.

Personal Property

Coverage for the property inside your home, such as furniture, clothing and electronics.

Extra Living Expense

Covers the additional cost of living that may occur if your home becomes temporarily uninhabitable.

Personal Liability

Provides coverage to pay for claims of bodily injury and property damage caused to others by you or covered residents of your home.

Medical Payments to Others

Covers you if a guest is injured at your home.

In addition to our standard coverages, optional coverages include:

Home Advantage Coverage, which is sometimes referred to as Equipment Breakdown Coverage

Protects homeowners from losses that result from equipment breakdown, such as furnaces, hot water heaters, boilers, central air conditioning, electrical power panels, and more.

Home Advantage Plus

Includes all of the additional benefits of the Home Advantage Coverage Endorsement plus it also includes Service Line Coverage!

Extra Living Expense

Covers the additional cost of living that may occur if your home becomes temporarily uninhabitable.

Money savings discounts are also available for:

  • Protective Devices
  • Renovation Discounts
  • Multiple Policy Discounts
Payment Options