Three policies, one promise: dependable protection for the people of rural North Dakota, written by local independent agents and backed by a mutual that answers to its policyholders — not shareholders.
Home-Guard®
Homeowners
The Home-Guard® policy provides outstanding protection for your most important asset — your home. It protects your dwelling and personal property, and shields you from financial disaster after accidents or injuries on your property.
- Dwelling & other structures on the described premises
- Personal property at home and temporarily away from home
- Additional living expense while your property is repaired or replaced
- Service line coverage — up to $10,000 for water, sewer, gas, cable, and electrical lines
- Sewer backup — up to $25,000 per dwelling per policy year
- Equipment breakdown for electrical, mechanical, and pressure-related equipment
- Cyber coverage & liability — identity theft, online fraud, data recovery, and more
- Personal liability & medical payments for accidents on your premises
Farm-Guard®
Farmowners
The Farm-Guard® policy protects the members of your household against financial disaster from accidents or injuries occurring on your farm — whether you’re a farm owner or tenant — with standard and optional coverages that fit your operation.
- Public liability for claims of negligence from your farming operations, premises, or personal acts
- Physical damage to property of others — like borrowed farm machinery
- Medical payments to the public for accidental injury on your premises or caused by livestock
- Employer’s liability for injuries suffered by farm employees on the job
- Medical payments to farm employees — even if you’re not at fault
- Split limits available per person / per occurrence
- Liability credits for owner-occupied, non-occupied, and no-livestock operations
Tenant Home-Guard®
Renters
The Tenant Home-Guard® policy protects your most important asset as a renter — your contents — and protects you from financial disaster after accidents or injuries on your property or from your personal acts.
- Personal property at the premises, with automatic coverage while temporarily away
- Additional living expenses while your property is repaired or replaced
- Public liability for bodily injury or property damage claims
- Medical payments for accidents or injuries on the insured premises
- Damage to property of others you borrow or use
Ready for a quote?
Dundee Mutual policies are written through independent agents in your community.