Homeowners Insurance & Dwelling Fire


We offer coverage for your home & personal property. Including seasonal homes and new construction.

Clarno Mutual Homeowners Policies cover your property against the following losses.

Your protection can be provided by one of the following forms:

Homeowners - Broad Form Perils

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Aircraft
  • Vehicles
  • Sudden & accidental damage from smoke
  • Sinkhole collapse
  • Volcanic action
  • Vandalism & malicious mischief
  • Glass breakage
  • Theft
  • Identity fraud expense
  • Fire department service call

Special or additional insurance you may need.

You can include comprehensive coverage for scheduled personal property such as:

  • Jewelry
  • Furs
  • Fine arts
  • Camera equipment
  • Silverware
  • Musical instruments
  • Coin or stamp collections
  • Guns
  • Watercraft
  • Recreational vehicles

Plus personal liability insurance for your protection.

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