INSURING YOUR HOME Homeowners Insurance with Pioneer State Mutual

What is covered in my Pioneer Homeowners Policy?

Your policy provides coverage for:

  • Your home, where you reside
  • Other structures on your property such as a detached garage, fence or shed
  • Your personal property such as furniture, clothes and other belongings
  • Expenses beyond your everyday expenses that you incur due to a covered cause of loss
  • Damages you become legally liable for, as well as legal fees associated with a claim
  • Medical payments owed by you to someone else

Additional Coverages In Your Policy

  • Debris removal
  • Temporary repairs to protect from further damage
  • Trees, shrubs and other plants
  • Fire department service charge
  • Property removed (to prevent further damage)
  • Credit card, fund transfer card, forgery and counterfeit money
  • Loss assessment
  • Refrigerated products
  • Collapse
  • Glass or safety glazing material
  • Landlord’s furnishings
Your deductible is the amount you will take responsibility for in the event that a loss occurs, before your insurance begins to pay.

Note: Your deductible is not paid out of pocket, but deducted from the total amount paid for a claim.

When am I covered?

Your home and other structures are covered against all perils.* Your Homeowners Policy also covers your contents for the following perils:*

  • Fire and lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism or malicious mischief
  • Theft
  • Falling objects
  • Weight of ice and snow
  • Accidental discharge or overflow of water or steam
  • Sudden and accidental tearing apart, cracking, burning or bulging of water heaters & air conditioning units
  • Freezing of plumbing
  • Sudden and accidental damage from artificially generated electrical current
  • Volcanic eruption

*Unless specifically excluded in your policy. Be sure to discuss all coverages with your agent.

Limits of Liability

The following items have special limits in your policy:

  • Money
  • Securities
  • Watercraft
  • Trailers
  • Watches
  • Furs
  • Electronic Apparatus
  • Firearms
  • Precious Stones
  • Jewelry
  • Silverware
  • Trading Cards
  • Grave Markers
  • Motor Vehicle Parts
  • Business Property (on and away from the residence)

Your agent can help determine if the limits provided are appropriate for your situation.

Upgrade with the Homeowners Pioneer Advantage

The Pioneer Advantage Endorsement is an excellent offering of bundled coverages at a significant savings. One extremely valuable coverage included is: Backup of Sewer of Drains Coverage. A standard Homeowners Insurance policy excludes coverage for backup of sewer or drain lines as well as the failure of a sump pump. This is an important coverage if any portion of your basement is finished or used for storage.

The Pioneer Advantage also includes these very beneficial coverages:

  • Ordinance & Law Coverage
  • Identity Theft Expense Coverage
  • Increase of Refrigerated Products Coverage
  • Increase of Fire Department Service Charge Coverage

The Pioneer Advantage Endorsement was designed to give you these bundled coverages at a great price. Purchasing the coverages included in this endorsement separately would cost you well over $100 a year.

The Pioneer Advantage Endorsement is only $75 per year!

Replacement Cost Coverage

We will pay reasonable costs to repair and replace damages within policy limits. Talk to your agent about depreciation.

Check out our mobile app! With it you can pay your bill, report a claim, call for Roadside Assistance, and even access your Proof of Insurance!

Optional Endorsements

  • Backup of Sewers or Drains
  • Equipment Breakdown
  • Residence Glass
  • Watercraft Liability
  • Sports Vehicle Liability
  • Personal Property Replacement
  • Extended Replacement Cost
  • Ordinance or Law Coverage
  • Scheduled Personal Property

Available Discounts

  • Group Member
  • Mortgage Free
  • Smoke Free
  • Claim Free
  • Loyalty
  • Senior Citizen
  • New Home
  • Construction Credit
  • New Roof
  • Fire Alarm
  • Burglar Alarm
  • Sprinkler
  • Multi-policy Credit (With Auto or Umbrella)

Check out our Mobile App!

This brochure is intended to be a broad summary of the insurance coverages provided by a Homeowners policy. The information here is subject to policy terms and exclusions, and does not replace your policy language. Read your full policy carefully and ask your Independent Insurance Agent if you have specific questions.

* HO-3 covers against all perils as stated. See your policy language for named perils for all other policy types.

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