home > for individuals Personal insurance Homeowners Frederick Mutual offers Homeowners and Condominium Owners Insurance for owner-occupied dwellings located in Maryland and Pennsylvania. Many different optional endorsements are available so that you can customize your own individual policy to suit your needs. Let Frederick Mutual provide you with the right policy to give you better peace of mind today. Learn more... Renters Frederick Mutual offers coverage to protect your personal property from loss by fire, lightning, windstorm, theft, and other named perils, as well as, provide you with the additional security of personal liability coverage. Learn more... Dwelling Fire Frederick Mutual offers Dwelling Fire coverage for 1-4 family dwellings owned by individuals and held for rental to others. Various coverage forms and options are available to suit your individual needs. Learn more... Personal Umbrella Frederick Mutual can provide additional liability coverage over the limits afforded by your underlying policies through a Personal Umbrella policy. This additional liability would be excess over that contained within your Homeowners, Dwelling Fire, Automobile, Watercraft or Recreational Vehicle policy. Limits of $1,000,000 and $2,000,000 are available. Learn more... Optional Homeowners Insurance Equipment Breakdown As a homeowner, you depend on many types of mechanical and electrical equipment to provide convenience, comfort and safety within your home. Yet, these modern-day essentials such as air conditioners, computers and household heating systems are all subject to potential mechanical and electrical breakdown. If your equipment fails, what will you do? Learn more... Identity Recovery Identity Theft Costs Money – And Time. When someone uses your personal or financial information to commit fraud or other crimes, you are a victim of identity theft. It is America’s fastest growing crime Learn more... Additional Optional Coverages Your standard homeowner’s insurance policy does not cover all risks. You may need to obtain additional insurance to cover loss or damage to your home, property, and the contents of your home or to cover the risks related to business or personal activities on your property. Learn more...
