Modified Homeowners (HO8)

The Modified Homeowner's HO8 Program is for owner occupied primary or secondary/seasonal and 1 or 2 family dwellings used for private residential purposes in Idaho and Oregon State. Eligible homes are in a value range from $20,000 to $150,000. Rates for are included on the application or Rate Guide when there is no separate Rate Chart.

Online quoting is currently not available for Home Owner HO8 in the state of Washington. Contact the Personal Lines Department for a quote. You can fax or e-mail the completed application to our toll free fax 1-877-329-9647 or email to personal@mutualins.com. Click Here to view the HO8 application.

Dwelling Fire:
Dwelling Fire Coverage is available as a non-admitted program for eligible dwellings/mobile homes, owner/rental 1-4 family units and seasonal/vacant/unoccupied 1-2 family units. An annual policy term applies to owner/rental/seasonal risks, a 3 or 6 month policy term applies to vacant/unoccupied risks. The minimum value for all States is $10,000. The maximum value varies between $100,000 and $200,000 depending on the State and occupancy status.

1-4 Family Homes:
This product targets one to four family dwellings owned by individuals or corporate investors for rental purposes. The owner may live in one of the units if multi-family.

Product Features:

• Risks with difficult to place liability exposure (pools, dogs, etc.) are entertained
• Coverage can be provided for a property that is under renovation
• Can add eligible new dwellings as purchased
• Product flexibility offering either Basic or Special Form
• Flexible valuation clause - either Actual Cash Value or Replacement Cost

Optional Coverage

• Business income and extra expense coverages available
• Equipment Breakdown coverage

Limits Available

• Limits of up to $500,000 available in protection class 1-8