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Homeowners Insurance

Welcome home with homeowners insurance tailored to you

Your agent works for you—not a big insurance company. With Ellington, your agent works for you, so you get multiple homeowners insurance options from different providers so you can make the best choice.

When you have questions on your house insurance, you can call your agent directly rather than going through some generic 800 number that puts you on hold.

Your home, safe and sound with coverage from Ellington Mutual Insurance

If your home is hit with a storm, hail, or tornado, broad home coverage covers the cost of repairing damages.

What about your sentimental bracelet from Grandma? Or a rare art piece? Or your valuable China collection? That’s where special property coverage comes in, offering additional protection for personal property and liability.

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Premium discounts available

Get deductible options with premium credit, which means you get a lower premium for a higher deductible, resulting in lower monthly payments.

You may also qualify for a discount on your new home and auto packages.

Personal property insurance for home additions

Personal property insurance helps pay for when your belongings break, get damaged or are stolen. This includes:

Personal property

  • Recreational vehicles (ATVs, snowmobiles, boats)
  • Jewelry
  • Fine art
  • Firearms
  • Collectibles
  • Identity fraud


If someone steals your identity, you shouldn’t have to pay to get it back.

Swimming pools

Protect your pool against above-ground damage, wind damage to the cover or other incidents affecting the pool’s structural integrity.

Sewer and sump pump backup

We’re here for you when things go wrong. Plumbing issues? We cover damage to your property.


Find a plan that accounts for your farm animals, including horses.

Rented property

Coverage is available for rented farms and seasonal properties or condos.

New construction

Safeguard your new home construction, including coverage for building material damage or theft.

Optional coverage

If you have a seasonal property, condo or home under construction, we offer optional coverage (at an additional charge) for the best home insurance policy. This includes builders’ risk, collapse coverage and building material theft.

Equipment breakdown and buried utility line coverage

Choose equipment breakdown coverage for those mechanical problems not typically covered by homeowners insurance. This policy will also cover the cost to bury utility lines, which can be very costly without insurance. Ask an Ellington Mutual insurance agent today!

Personal liability coverage that safeguards you and your assets

If someone gets hurt or their property is damaged on your premises, or by something you own, personal liability coverage protects you against lawsuits.

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Optional liability coverages

If someone who isn’t a resident of your household gets injured on your premises or by something you own, optional liability coverage protects you.

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Recreational vehicles

Snowmobiles, ATVs, side-by-sides and more

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Boats, jet skis, and more.

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Additional Properties

Liability coverage at rental or seasonal properties

Add additional liability coverage up to $2 million with an umbrella insurance policy

Add umbrella insurance coverage to any existing Ellington Mutual policy to protect you from liability up to $2,000,000.

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Home-based business policies

Home-based businesses can be anything from crafts to accounting to freelancing and much more. Broader coverage includes:

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Professional Equipment

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Property Damage

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Issue Related to Data Loss

There’s no place like home with Ellington’s homeowners insurance