Your home is one of your most valuable assets.

It’s unique to you. It reflects your personality and style. It’s where you can be yourself, and where you spend time with family and friends. That’s why our agents will help you craft a policy specific to your needs that protects your home from natural and manmade disasters – and automatically includes identity theft restoration.

Plus, dwelling insurance is also available for current Madison Mutual homeowner customers who also own rental properties.


Condo Insurance

If you’re a condo owner, you have specialized needs – ones that require a well-rounded policy to protect your personal property and any unit betterments not covered by your condo association’s policy.

Renters Insurance

Are you currently renting? Could you afford to replace all of your belongings if they were damaged or completely gone? Your landlord’s insurance does not protect your personal property but our renters insurance does.

Talk to one of our agents to learn more.

Additional Coverages

We make it easy for you and your agent to customize your policy to fit your needs with the following add-ons:

  • Replacement Cost Coverage
  • Scheduled Personal Property
  • Water Back-up
  • Equipment Breakdown
  • Earthquake Coverage*
  • Watercraft Coverage

*Contact your agent to see if coverage is available in your area.

See why people choose Madison Mutual – contact one of our agents to determine the best type of coverage for you today.


Remember to ask our agents how you can take advantage of these discounts:

Newer Home

Home Security System

Higher Deductible



Added Bonus

Our homeowners policies now come with your choice of the award-winning Roost Smart 9V Battery or the Roost Smart Water Leak and Freeze Detector to give you the best new tools to help protect against your risk of water or fire loss:

Roost Smart 9V Battery – This simple retrofit solution transforms existing smoke alarms into smart alarms. If the alarm sounds and no one is home, you’ll receive a notification on your smartphone.

Roost Smart Water Leak and Freeze Detector – This is designed to sense water leaks as well as humidity and freezing temperature situations. Easily located in places around your home most prone to water leaks, the sensors deliver an alert to your smartphone to help minimize water damage and loss. Wi-Fi enabled smart sensors do not require a hub and set up in less than five minutes.

Download the app now (Apple/Android) to be able to set up your new Roost product – and manage your Madison Mutual policy – all from the convenience of your smartphone.


Already have a homeowners policy with Madison Mutual? Simply click here to send us an email with your homeowners policy number to get your free Roost product today!