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Defend Your Home with the Home-Guard Policy   Thank you for considering the Home-Guard policy. This document should help you make an informed decision about the insurance coverages we offer and the coverages you need. The Home-Guard policy provides outstanding protection for your most important asset — your home. The policy offers a variety of coverages to protect your dwelling and personal property. It also offers protection against possible financial disaster from accidents or injuries occurring on your property or from your personal acts. Property Coverages Dwelling • The dwelling located on the described premises • Construction materials at the premises for use with your dwelling Other Structures • Other structures located on the premises • Construction materials at the premises for use with other structures • Sidewalks and driveways • Privacy or decorative fences Personal Property • Personal property located at the premises • Automatic coverage for personal property temporarily away from premises Additional Living Expenses and Loss of Rents • Covers the increase in your living expenses while your property is being repaired or replaced • Covers the loss of rents you might incur while the rented portion of the premises is unfit to occupy Additional Coverages • Debris Removal • Emergency Removal of Property • Necessary Repairs After Loss • Trees, Shrubs and Plants • Refrigerated Products • Outside Radio/Television Equipment and Satellite Dishes • Credit Card • Loss Assessment • Collapse Personal Liability Protection Public Liability • Coverage for claims made against an insured person for bodily injury or property damage arising from accidents or injuries occurring on the premises for which the insured becomes legally obligated to pay due to personal acts Medical Payments for Public • Provides coverage for medical expenses that arise from accidents or injuries occurring on the insured premises Damage to Property of Others • Covers property damage to property of others which you borrow or use Optional Coverages Property • Fire Department Charges • Inflation Guard • Farm/Household Operations Records • Earthquake • Water Backup • Condominium Unit Owners • Scheduled Personal Property • Refrigerated Products • Replacement Cost for Household Personal Property Liability • Incidental Business Activities • Business Pursuits • Home Day Care Provider • Incidental Agricultural Activities • Contractual Liability • Waterbed • Additional Insured • Additional Premises Home-Guard Select If your home qualifies, you may be eligible for the expanded coverages offered by the Home-Guard Select policy. These additional coverages include: • Open perils coverage for the dwelling • Increased limits on additional coverages • Increased limits on certain items of household personal property • Replacement cost for the dwelling and household personal property Premium Credits Your home may qualify for a discount. Contact your agent or mutual for possible premium discounts. Ask your FarMutual agent for details on the various limits of coverage, our convenient payment plans and for other valuable features offered by the Home-Guard policy.   Insurance For Town and Farm   20 Spring Ave., Waukon, IA 52172  •  1.563.568.3148  •  insurance@germanfarmersmutual.com