Homeowners

The Bedford Grange Mutual Homeowners insurance program provides coverage for your home and related private structures on replacement cost basis; provides coverage for your personal property; provides coverage for additional living costs that you might incur as a result of a covered loss; and includes liability coverage to protect you for personal liability claims and defense costs that you may incur. We offer Basic, Broad, and Special coverage forms to meet your specific insurance needs. Discounts are available for smoke detectors, fire extinguishers, home security system, non-smokers, and more.

Some optional coverages that can be added to your policy includes Replacement cost coverage for your personal property; Water damage – sewers, drains & sumps; Home-Based business; Scheduled personal property; Earthquake; Identity fraud expense; Incidental farming; Watercraft coverage; and others.

We also offer our Home Systems Protection (equipment breakdown) with Service Line coverage that can be added to enhance your policy. For more details see Home System Protection and Service Line coverages.

As a Bedford Grange homeowner you have complimentary access to both home management and home energy management tools through MyHomeWorks™ website.

With annual home energy costs averaging $2,300 and trending higher, homeowners need ways to reduce their energy consumption costs, but few know where to turn or who to trust for information and guidance.

Now you have valuable help with MyHomeWorks™, an engaging website with interactive tools and information to improve your homes’ efficiency and save money. In fact, the energy savings potential significantly exceeds the modest cost of the insurance.