Homeowner/Condo Unit Owner/Renter Insurance

Whether you're a homeowner, renter, or own a condo, Western National understands that your property — whether it be real estate, personal property, or both — is special and valuable. We believe it deserves the protection to match.

With a variety of options tailored to meet your individual circumstances, we can cover just about everything. Our variety of discounts can help make your premium even more affordable, and our experienced claim staff is always ready to provide the outstanding service you want and deserve. Plus, our Penalty-Free Promise^® means we don't raise our policyholders' rates as the result of their claims.

Your Independent Insurance Agent can help you determine the right fit of coverages, discounts, and price. If you do not currently have an Independent Insurance Agent, you can find an agent who works with Western National by clicking here.

Features

Western National offers a variety of Homeowner coverages that include many unique benefits at no additional charge, such as:

• Penalty-Free Promise^®
• Common Loss Deductible
• Watercraft Liability
• Water Back-Up Coverage
• Identity Fraud Expense Coverage
• Personal Injury

Discounts

• Burglar and Fire Alarms
• Multi-Policy Discount
• New or Remodeled Home

Coverages

Homeowner/Renter insurance coverages vary by the limits and requirements of individual states. Western National offers the following coverages subject to those limits and requirements:

• Coverage A - Residence (Homeowner)
• Coverage B - Related Private Structures (Homeowner)
• Coverage C - Personal Property
• Coverage D - Additional Living Expenses and Loss of Rent
• Coverage L - Personal Liability
• Coverage M - Medical Payments to Others
• Other coverages may be optional or included (depending on the program and form):
• Assisted Living
• Boat Owners
• Business Property
• Child Care
• Computer
• Credit Card
• Cyber Liability
• Debris Removal
• Earthquake
• Homeowner Equipment Breakdown
• Identity Fraud Expense
• Golf Cart
• Guns
• Golf Equipment
• Jewelry, Watches, Furs
• Loss Assessment Coverage
• Loss Assessment - Association Deductible
• Office, Professional, Private School or Studio Occupancy
• Other Structure On and Off Premises
• Personal Injury
• Personal Property - Special Coverage
• Refrigerated Food Spoilage
• Replacement Cost - Residence
• Replacement Cost - Personal Property
• Snowmobile
• Supplemental Income - Child Care
• Water Damage - Sewers, Drains, and Sumps

Getting a Quote

At Western National, we believe in the benefit that Independent Insurance Agents provide to their customers. That’s why our products are sold exclusively through Independent Insurance Agents.

Benefits of choosing an Independent Insurance Agent include:

• An Independent Insurance Agent represents many companies and provides you with choices for coverage and pricing.
• An Independent Insurance Agent represents your interests because they are not employees of any one insurance company.
• An Independent Insurance Agent is a real person you can trust to help you out when you have a question or a claim situation.

Click here to get a quote for our products by finding an Independent Insurance Agent in your area.

Some coverages may not be available in all states. Please contact your Independent Insurance Agent if you have questions.

Dwelling Property

Do you own multiple properties? Western National offers Dwelling Property insurance to help policyholders cover various types of dwellings that their Homeowner insurance does not cover. Some properties that can be covered by Dwelling Property insurance include seasonal properties and properties that you rent to others. Dwelling Property insurance is available as a separate policy and requires a Western National Homeowner/Condo Unit Owner/Renter policy.

Your Independent Insurance Agent can help you determine if Dwelling Property insurance is right for you. If you do not currently have an Independent Insurance Agent, you can find an agent who works with Western National by clicking here.

Coverages

Dwelling Property insurance coverages vary by the limits and requirements of individual states. Western National offers the following coverages subject to those limits and requirements:

• Coverage A - Residence
• Coverage B - Related Private Structures
• Coverage C - Personal Property
• Coverage D - Fair Rental Value
• Coverage E - Additional Living Costs
• Other coverages may be optional or included (depending on the program and form):
• Condo (Improvements, Alterations, and Additions)
• Business Property
• Inflation Guard
• Loss Assessment
• Ordinance or Law
• Sewer and Water Backup Coverage
• Special Coverage for Condos
• Theft Coverage

Getting a Quote

At Western National, we believe in the benefit that Independent Insurance Agents provide to their customers. That’s why our products are sold exclusively through Independent Insurance Agents.

Benefits of choosing an Independent Insurance Agent include:

• An Independent Insurance Agent represents many companies and provides you with choices for coverage and pricing.
• An Independent Insurance Agent represents your interests because they are not employees of any one insurance company.
• An Independent Insurance Agent is a real person you can trust to help you out when you have a question or a claim situation.

If you don't already have an Independent Insurance Agent, click here find an agent in your area who works with Western National.

Some coverages may not be available in all states. Please contact your Independent Insurance Agent if you have questions.

Recreational

Everyone knows that the term "toys" doesn't just apply to fun things for kids. Whether you own a motorcycle*, an all-terrain vehicle*, a boat, or a snowmobile, Western National offers the recreational vehicle coverage you need to protect your toys and enjoy your favorite pastimes for years to come.

Boat & Motor Insurance

Nothing beats being out on the water — that is, except adding the peace of mind that comes from knowing your boat is protected by insurance. Our Boat & Motor insurance program provides liability and physical damage coverages for powerboats, sailboats, and outboard motors or furnishings you own. Boat & Motor insurance is available as an add-on to your Western National Homeowner/Condo Unit Owner/Renter policy.

Motorcycle/ATV Insurance - MN Only

Whether you prefer the open road or having no road at all, Western National has the policy to cover your ride. Our Motorcycle/ATV insurance program offers liability and physical damage coverages plus ways to save money, such as our discounts for claim-free periods and our Multi-Bike discount. Motorcycle/ATV insurance is available as a separate policy and requires a Western National Personal Auto policy.*

Snowmobile Insurance

If you love blazing trails across fresh snow, Western National offers the liability and physical damage coverages you need to protect your snowmobile. Snowmobile insurance is available as an add-on to your Western National Homeowner/Condo Unit Owner/Renter policy.

Your Independent Insurance Agent can help you determine which Recreational Vehicle insurance policies are right for you. To find an agent, click here.

Getting a Quote

At Western National, we believe in the benefit that Independent Insurance Agents provide to their customers. That’s why our products are sold exclusively through Independent Insurance Agents.

Benefits of choosing an Independent Insurance Agent:

• An Independent Insurance Agent represents many companies and provides you with choices for coverage and pricing.
• An Independent Insurance Agent represents your interests because they are not employees of any one insurance company.
• An Independent Insurance Agent is a real person you can trust to help you out when you have a question or a claim situation.

If you don't currently have an Independent Insurance Agent, you can find an agent who works with Western National by clicking here.

Some coverages may not be available in all states. Please contact your Independent Insurance Agent if you have questions.

Personal Umbrella Insurance

Lawsuits against individuals are common and can sometimes reach devastating levels. While your Personal Auto and Homeowner/Condo Unit Owner/Renter policies may provide coverage to help with these costs, it doesn't take much for certain lawsuit amounts to exceed the limits of those policies. For example:

• You cause an auto accident that permanently disables another driver.
• Your pet dog bites a child, causing physical and psychological harm.
• Your son or daughter is accused of cyber bullying, resulting in a defamation lawsuit.
• You accidentally injure someone while boating or hunting.

These are just a few examples of the types of personal liability lawsuit situations that tend to result in very severe lawsuit amounts. A Personal Umbrella policy protects you in these situations by providing an extra layer of liability coverage over that provided by your other personal insurance policies. The Personal Umbrella insurance policy increases certain limits to $1 million or more, providing the extra coverage that can help secure individuals and families from severe liability costs. This affordable policy is available to policyholders who have both a Personal Auto policy and a Homeowner/Condo Unit Owner/Renter policy from Western National.

Uninsured and Underinsured Motorists coverage can also be added to a Personal Umbrella policy to provide an extra layer of protection for you and your family. If you or a resident family member were to get in an accident with a driver who is at fault but who does not have insurance (uninsured) or does not have enough insurance (underinsured) to cover your injuries, this optional coverage could provide the extra funds to help pay those damages.

Your Independent Insurance Agent can help you determine if Personal Umbrella Insurance is right for you. If you don't currently have an Independent Insurance Agent, you can find an agent who works with Western National by clicking here.

Additional Benefits

• Worldwide Personal Liability Coverage
• Bodily Injury & Property Damage Liability Coverage
• Personal Injury Liability Coverage
• Legal Defense

Getting a Quote

At Western National, we believe in the benefit that Independent Insurance Agents provide to their customers. That’s why our products are sold exclusively through Independent Insurance Agents.

Benefits of choosing an Independent Insurance Agent include:

• An Independent Insurance Agent represents many companies and provides you with choices for coverage and pricing.
• An Independent Insurance Agent represents your interests because they are not employees of any one insurance company.
• An Independent Insurance Agent is a real person you can trust to help you out when you have a question or a claim situation.

Click here to get a quote for our products by finding an Independent Insurance Agent in your area.

Some coverages may not be available in all states. Please contact your Independent Insurance Agent if you have questions.

Businessowners Policy (BOP)

Western National's Businessowners Policy (BOP) program is designed for small businesses that desire to combine their property and liability insurance needs into one convenient package of coverages. Our unique BOP program is available for hundreds of eligible small business classes and comes complete with flexible payment options, including monthly direct bill installments.

Commercial Automobile

Western National insures commercial vehicles in conjunction with other commercial policies. Standard coverages for Commercial Auto include:

• Combined single limit insurance for Bodily Injury and Property Damage
• Personal Injury Protection (PIP) or Medical Payments
• Uninsured and Underinsured Motorist
• Comprehensive
• Collision
• Other miscellaneous coverages are also available

Commercial Package Policy (CPP)

The CPP policy is a valuable and cost-effective way to combine many different lines of business into one package. The Fire and Allied Lines, Crime, ISO Inland Marine, and General Liability coverages are eligible for the package.

Commercial Umbrella

Western National writes Commercial Umbrella policies in conjunction with other commercial insurance. This policy adds higher limits of liability beyond General Liability and Commercial Auto. One of the requirements of the Commercial Umbrella program is that Western National insures your primary underlying coverages.

Contractors E&O

Western National's Contractors E&O form provides coverage on a claims-made basis for damages resulting from the policyholder's negligent act, error, or omission arising from the business operation described in the declarations or from a defect in material or product sold or installed by the policyholder while acting in the business.

Cyber Liability

With the increased use of e-commerce; web-based file storage; and the proliferation of smart phones, laptops, and tablets in businesses of all sizes, data security risks are growing exponentially. Recognizing this increasing risk, we developed a Cyber Liability coverage program that provides both First Party and Third Party Protection for our new and existing commercial policyholders. Cyber Liability limits are available up to $1,000,000 and our program includes these ten core coverage components:

• Network Security and Privacy Insurance – coverage for both online and offline information, virus attacks, denial of service, and failure to prevent transmission of malicious code
• Regulatory Defense and Penalties – coverage for defense costs and fines and penalties resulting from government investigations
• Privacy Breach Response Costs – coverage for costs incurred to notify affected individuals
• Network Asset Protection – coverage for income loss, business interruption expenses, and costs to restore data that is damaged
• BrandGuard - coverage for lost revenue resulting from a cyber breach
• Multimedia Insurance – coverage for copyright/trademark infringement
• Cyber Extortion – will pay extortion expenses and monies as a direct result of a credible cyber extortion threat
• Cyber Terrorism – coverage for income loss and interruption expenses as a result of the interruption of the policyholder’s computer system due to a cyber terrorism attack
• Payment Card Industry Data Security Standard (PCI/DSS) fines and penalties
• Cyber Crime - coverage for losses incurred due to (1) wire transfer fraud, (2) fraudulent use of an insured telephone system, and (3) phishing schemes that impersonate your brand, products, or services, including the costs of reimbursing your customers for losses they sustain as a result of such phishing schemes

Employment Practices Liability

Western National offers Employment Practices Liability (EPL) coverage for eligible commercial policies, making it easier and affordable for employers to protect themselves against these increasingly prevalent claims. This EPL program protects employers against claims of discrimination, sexual harassment, wrongful termination, and other unlawful employment practices.

To access Western National's EPL resource website (EmployerProtectionNet), click here.

EPL website resources:

• About EmployerProtectionNet (PDF)
• Establishing Access to EmployerProtectionNet (PDF)
• Legal Advice Line (PDF)

Fire and Allied Lines

Western National provides the many types of insurance necessary to protect your business from the perils of fire, theft, wind, loss of income, etc. Coverage for building, building personal property, and personal property of others is standard under the policy. In addition, Western National has a Property Enhancement Endorsement that expands many of the coverages available under the basic property form. The following coverages are subject to expanded limits:

• Accounts receivable
• Back-up of sewers
• Changes in temperature or humidity
• Distance from described premises
• EDP (computer)
• Extra expense
• Fire extinguisher recharge
• Inventory and appraisals of loss
• Lock replacement
• Newly acquired or constructed property
• Ordinance or law
• Off-premises power failure
• Outdoor property
• Personal effects
• Property off premises (includes exhibition)
• Property in the custody of salespersons
• Property of others
• Property in transit
• Reward reimbursement
• Signs (attached and unattached)
• Utility services (off-premises power failure)
• Valuable papers

Western National also includes Equipment Breakdown insurance as part of our property policy, which helps our policyholders avoid potentially disastrous coverage gaps. Equipment Breakdown insurance covers the physical and financial damage stemming from an insured equipment failure. It's the bottom-line protection essential for today's technology-driven world. Western National's policy pays for losses that aren't typically covered by standard property policies. Our insurance includes:

• Mechanical breakdown
• Cloud Computing Service Interruption
• Electrical arcing
• Hot water heater loss or damage
• Microelectronics Coverage
• Off Premises Coverage
• Public Relations Coverage
• Steam boiler, piping, engine, or turbine explosion
• Steam boiler loss or damage

General Liability

Western National's General Liability policy offers coverage for the following:

• Advertising Liability
• Bodily Injury
• Damage to Premises Rented to You
• Medical Expense
• Personal Injury
• Property Damage

Inland Marine

Western National provides most of the typical Inland Marine coverages. Listed below are some of the more common ones:

• Accounts Receivable
• Bailees' Coverage
• Builders' Risk
• Cargo
• Contractors' Equipment
• EDP (computer)
• Installation Floater
• Signs
• Transportation Floater
• Valuable Papers

Manufacturer's E&O

Western National’s Manufacturer’s E&O form provides liability coverage on a claims-made basis for damages resulting from the policyholder’s faulty workmanship, materials, or products. It is designed to bridge the gap in Product Liability coverage created by certain business risk exclusions.

Specialty

Western National offers niche insurance coverages through its subsidiary company Pioneer Specialty. Currently, Pioneer Specialty offers carefully crafted, individually underwritten policies for a number of specialty business classes, including:

• Home Health Care (Monoline WC)
• Recycling & Dismantling (Limited Property Appetite)
• Refuse Collector
• School Buses
• Septic Services & Installation
• Towing
• Tree Care
• Truck Body and Trailer Manufacturing

Workers' Compensation

The Workers' Compensation policy pays for medical expenses and lost wages in amounts determined by state law. All employers are required to either purchase Workers' Compensation insurance or be self-insured. Employers can work with Loss Control Representatives and Claim Administrators at Western National to monitor and manage their claims. Western National offers the following Workers' Compensation programs:

• Guaranteed cost
• Deductible programs
• Dividend programs
• Flat
• Variable

Surety

Western National is a full-service contract and commercial surety market using a Hub and Spoke service model. Our home office, based in Edina, Minnesota, services 45 states across most of the U.S. with remote underwriting teams in Oklahoma City, OK; Des Moines, IA; and Phoenix, AZ. Our strong commitment to providing a consistent and stable surety market, coupled with excellent customer service and a common-sense underwriting approach, enables us to develop, cultivate, and maintain strong and lasting relationships with our agents and customers. Western National is rated A+ (Superior) Class X by A.M. Best and has a Treasury Listing in excess of $72,000,000.

Contract Surety

We offer several surety products designed to meet the needs of all types of contractors from large, sophisticated contractors with continuous bond needs to small contractors with infrequent needs or even contractors needing their first bond.

Standard and Preferred Programs up to $15 million single and $30 million bonded aggregate with multiple flexible rating plans.

ContractXpress and ContractXpress Xtra - Offering bonds up to $3,000,000 without C.P.A. reviewed or audited financial statements, and bonds up to $750,000 can often be underwritten primarily with an application and a credit investigation.

U.S. Small Business Administration (SBA) bond guarantee program - For emerging contractors that are beginning to bid on public works projects and in building their financial resources before graduating them into a standard program.

Commercial Surety

Western National underwrites a wide variety of Commercial Surety Obligations with highly competitive rates and commissions:

• License and Permit
• Court
• Fiduciary
• Miscellaneous
• Public Official
• Business Indemnity
• "Non Construction" Commercial Performance Bonds for Service Industries

If you would like to verify a surety bond or if you are inquiring about a surety agency appointment, please email surety@wnins.com or contact us at (800) 862-6070.