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Why You Should Choose Loudan Mutual Insurance Company

Loudoun Mutual Insurance Company is rated A (Excellent) by AM Best, the premier insurance rating organization. A.M. Best ratings are issued on over 3,500 companies in more than 80 countries worldwide. Best's Credit Ratings are recognized as a benchmark for assessing a rated organization's financial strength as well as the credit quality of its obligations.

Compare the Standard Loudoun Mutual Homeowners to the Virginia Standard Homeowners

Loudoun Mutual's Homeowners Brochure (PDF)

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Loudoun Mutual's Home Systems Protection and Service Line Coverage Brochure (PDF)

Loudoun Mutual has been insuring Virginians since 1849 and is one of the top property insurance writers in Virginia. Because we are a mutual insurance company, owned by and operated for the benefit of our policyholders, Loudoun Mutual is committed to providing its policyholders with broad coverages, flexible payment plans, excellent service (especially when they have a claim) and affordable, competitive pricing.

The Loudoun standard policy provides liability and medical payments coverage and is extended to cover your minor child’s part-time business activities.
Personal Property Special Limits are higher
Money: $250 instead of $200
Securities: $1500 instead of $1000
Electronic Devices: $1500 instead of $1000
Jewelry: $2500 instead of $1500

Other Loudoun Additional Coverages

Food spoilage: $500
Sinkhole Collapse Coverage

Extra Protection

In addition to Loudoun’s standard homeowners policy, Loudoun Mutual offers special packages of optional coverages. For the price you would normally pay for one or two of these optional coverages, you get the extra protection provided by an entire package of coverages (please see the inside panels for more details about the Guardian, Guardian plus and MasterGuard endorsements). For many homes and mobile homes, Loudoun Mutual offers the Guardian endorsement designed to meet the needs of today’s homeowner.

The guardian Program Coverages Include:

Personal Property Replacement Cost Coverage:With this coverage, losses on your personal property are generally paid without deduction for deprecation. With the Guardian endorsement, your personal property coverage is increased to 70% of your dwelling coverage.
Sewer “Back-Up” Coverage:The Guardian endorsement provides up to $10000 coverage for damage caused by water that backs up through sewers or drains.
Extra Mortgage Expense Coverage:This coverage gives reimbursement for additional interest expense if your home is destroyed by a covered peril and the new mortgage on your rebuilt home has a higher interest rate.
Expanded Computer Coverage:Broader coverages are provided for mishaps such as dropping your computer or spilling a drink on it.

Compare Loudoun Mutual’s Guardian endorsement to the standard coverages offered by other companies. We think you will find the coverages broader and the premium value-priced.

Our Guardian Plus Coverage

For home that qualify, Loudoun Mutual offers the Guardian Plus endorsement. Guardian Plus, like the Guardian endorsement, provides additional coverages and higher coverage limits. The Guardian Plus endorsement adds even more protection or homeowners. The Guardian Plus endorsement includes the following Guardian coverages:

Personal property replacement cost coverage
Extra mortgage expense coverage
Expanded computer coverage

Plus these additional coverages

Personal property coverage is increased to 75% of the dwelling limit.
Enhanced Sewer ‘Back-Up” Coverage: The Guardian Plus endorsement provides coverage for damage caused by water that backs up through sewers of drains, up to the limit the home is insured for.
Personal Injury Coverage: This coverage provides protection for lawsuits resulting from allegations of libel and slender.
Golf Cart Liability: Guardian Plus adds coverage for liability resulting from the operation of a golf cart on or off the golf course.
Expanded Replacement Cost Coverage for the Dwelling: In the event that there is not enough coverage to rebuild your home after a covered loss, Guardian Plus provides an additional 20% of the dwelling coverage limit.
Loss due to the theft of guns or jewelry is increased to $5000 ($2500 per item).

As with the Guardian Endorsement, we encourage you to compare the Guardian Plus endorsement to the coverages other insurance companies offer. We think that when you make the comparison, you will find the Guardian Plus endorsement provides broad coverages at a very competitive price.

Our MasterGuard Coverage

For select home and estates, Loudon Mutual offers the MasterGuard Program. The program is designed to provide coverage for higher valued residences and includes broader coverage and higher limits for both the dwelling and personal property of the policyholder. The policy contract is written using a Form5, which offers the broadest coverage of any insurance policy readily available. Some highlights are:

Expanded Replacement Cost Coverage: In the event that there is not enough coverage to rebuild your home after a major loss, MasterGuard provides an additional 30% of the dwelling coverage limit.
Personal Property limit is increased to 75% of the Coverage A amount and is insured for many additional types of losses.
Personal Injury Coverage: This coverage provides protection for lawsuits resulting from allegations of libel and slender.
Golf Cart Liability: Guardian Plus adds coverage for liability resulting from the operation of a golf cart on or off the golf course.
Tree Removal Coverage is provided up to $1000.
Lock Replacement coverage is provided up to $500.
Coverage is provided for loss by earthquake.
Credit Card, Forgery, etc. limit is increased to $5000.
Enhanced Sewer “Back-up” Coverage.The MasterGuard program provides coverage for damage caused by water that backs up through sewers or drains, up to the limit the home is insured for.
Loss due to the theft of guns or jewelry is increased to $5000 ($2500 per item).
Personal Injury Coverage: This coverage provides protection for lawsuits resulting from allegations of libel and slender.
Golf Cart Liability: MasterGuard adds coverage for liability resulting from the operation of a golf cart on or off the golf course.
Policies are written with a $500,0000 minimum liability limit.

The MasterGuard Program provides the broadest coverage available from Loudoun Mutual Insurance Company. The minimum deductible for the program is $1000.

Home Systems Protection and Service Line Coverage

Coverage can be added to your policy for sudden and accidental mechanical or electrical breakdown of your home’s exterior underground utility exposures.

Home Systems Protection includes coverage for your HVAC equipment and electrical panel, as well as your home’s kitchen and laundry appliances, home entertainment, and personal electronics. $50000 coverage is provided for any one accident, with a $500 deductible per accident. This includes related spoilage of $500 and Additional Living Costs.

Service Line provides coverage for leak, break, tear, rupture, collapse or arcing of a “covered service line” resulting from various covered causes, such as root infiltration and corrosion. Some types of underground service lines and pipes that are covered are water, sewer/waste disposal, gas or propane and electrical lines. The coverage provides $10000 with a $500 deductible per service line failure.

Loudoun Mutual is proud to announce our mobile app. Click here to learn more.