We offer a variety of home protection plans so that you can select the one that is right for you. Your home is a source of pride and a place of security – protect your investment with the finest in property and liability insurance.
Personal Property Coverage
Your furniture, clothing, electronics, and jewelry are important to you as well. We offer solid coverage for your personal property, including the option of replacement cost coverage.
Example: During a thunderstorm, lightning strikes your home and damages your household electronics. The damage will be covered minus your deductible. *exclusions/limitations apply
Our home insurance provides coverage when you are legally liable for bodily injury or property damage caused by a covered loss on your property or as a result of your activities.
Example: Your neighbor stops by and slips and falls on your icy steps, breaking their arm. Your homeowners insurance can pay for their medical bills and lost wages while they're injured.
We have the coverage you need to protect your detached garage or storage shed on your premises.
Example: A hailstorm comes through and damages the roof and windows of your garden shed. Your homeowners coverage extends to this structure.
Loss of Use
If your home is damaged by a covered loss and you are unable to live in it while repairs are being made, we provide coverage for your additional living expenses during reconstruction.
Example: A tree crashes through your roof and you have to stay two weeks at a hotel and eat out for all your meals. Your insurance can cover the cost of this additional living expense. *some limitations apply
Country Home Insurance
Our Country Home policy is designed to meet the special needs of country living. A traditional homeowner’s policy may leave gaps in coverage. If you are a homeowner whose lifestyle includes a small acreage and perhaps some horses, livestock, or limited agricultural productions, this policy may be a good fit for you.
We offer coverage for your property exposures including your home, additional structures, and limited farm personal property (including saddles, tack, livestock, and hay). Some optional coverages include: replacement cost coverage for household personal property, earthquake, backup of sewer or drains, and waiver of glass deductible.
Our auto insurance provides coverage for comprehensive, collision, and liability exposures. In addition, various deductible options and discounts allow you to customize the policy to meet your needs. Some optional coverages include: theft rental reimbursement, special equipment or paint, rental expense, additional living expense, and accidental death or dismemberment.
In addition to standard liability coverage, we offer farm liability coverage for the unique exposures of a country home. Standard coverages include bodily injury and property damage to protect you from damages to others for which you are legally obligated and medical payments to cover medical expenses of those who are injured on your property.
Enhanced coverage is available for your valuable personal property such as jewelry, furs, silverware, guns, fine art, hearing aids and more. You can also cover your watercraft, ATVs and other recreational equipment.
Example: If your dog eats your hearing aids, inland marine can extend coverage to replace your hearing aids.
If you add on an Umbrella policy, you can get additional liability coverage to protect you against catastrophic liability claims.
Example: If you own a home that is very high value, this protection can enhance coverage to protect your assets in case of a lawsuit.
If you rent your home, it’s essential that you have protection for the things that are important to you, especially since your landlord’s insurance won’t cover you. You may not realize the total value of your possessions, but they add up quickly. In the event of a loss, could you afford to replace everything if it were stolen or damaged? Renter’s insurance is an inexpensive way to ensure your peace of mind. For less than a dollar a day, you can protect yourself and your property from the unexpected.
Cover the replacement cost of your personal property, such as:
Outdoor Recreation Equipment
Firearms (limits apply)
Jewelry (limits apply)
Kitchen Appliances and Cookware
Refrigerated Products ($500 limit)
Bedding, Towels, and Cleaning Supplies
Home Insurance Discounts
Are you looking for quality home insurance that you can afford without sacrificing coverage? Mountain West is proud of the high-quality products and services we offer. The following discounts reflect our commitment to offer these products at an affordable rate without sacrificing coverage.
Our premium automatically reflects a discount if your home was built in the last 12 years.
A discount for homeowners who protect their homes with various qualifying alarm and alert systems.
A discount for roofs that are constructed of qualifying “wind resistive” or “hail resistive” materials.
If you have been insured by Mountain West for a certain period of time, we want to reward your loyalty!
If you choose to insure your home and autos with Mountain West, there could be a discount involved for you.