30600 Telegraph Rd Ste 3110, Bingham Farms, MI 48025

(248) 642-5900

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CA License: 0G47886

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Homeowners Insurance with Pioneer State Mutual

By Pioneer Insurance




What is covered in my Pioneer Homeowners Policy?


Your policy provides coverage for:


  • Your home, where you reside

  • Other structures on your property such as a detached garage, fence or shed

  • Your personal property such as furniture, clothes and other belongings

  • Expenses beyond your everyday expenses that you incur due to a covered cause of loss

  • Damages you become legally liable for, as well as legal fees associated with a claim

  • Medical payments owed by you to someone else


Additional Coverages In Your Policy

  • Debris removal

  • Temporary repairs to protect from further damage

  • Trees, shrubs and other plants

  • Fire department service charge

  • Property removed (to prevent further damage)

  • Credit card, fund transfer card, forgery and counterfeit money

  • Loss assessment

  • Refrigerated products

  • Collapse

  • Glass or safety glazing material

  • Landlord’s furnishings

Your deductible is the amount you will take responsibility for in the event that a loss occurs, before your insurance begins to pay.


Note: Your deductible is not paid out of pocket, but deducted from the total amount paid for a claim.


When am I covered?


Your home and other structures are covered against all perils.* Your Homeowners Policy also covers your contents for the following perils:*


  • Fire and lightning

  • Windstorm or hail

  • Explosion

  • Riot or civil commotion

  • Aircraft

  • Vehicles

  • Smoke

  • Vandalism or malicious mischief

  • Theft

  • Falling objects

  • Weight of ice and snow

  • Accidental discharge or overflow of water or steam

  • Sudden and accidental tearing apart, cracking, burning or bulging of water heaters & air conditioning units

  • Freezing of plumbing

  • Sudden and accidental damage from artificially generated electrical current

  • Volcanic eruption


*Unless specifically excluded in your policy. Be sure to discuss all coverages with your agent.


Limits of Liability


The following items have special limits in your policy:


  • Money

  • Securities

  • Watercraft

  • Trailers

  • Watches

  • Furs

  • Electronic Apparatus

  • Firearms

  • Precious Stones

  • Jewelry

  • Silverware

  • Trading Cards

  • Grave Markers

  • Motor Vehicle Parts

  • Business Property (on and away from the residence)


Your agent can help determine if the limits provided are appropriate for your situation.


Replacement Cost Coverage


We will pay reasonable costs to repair and replace damages within policy limits. Talk to your agent about depreciation.


Optional Endorsements

  • Backup of Sewers or Drains

  • Equipment Breakdown

  • Residence Glass

  • Watercraft Liability

  • Sports Vehicle Liability

  • Personal Property Replacement

  • Extended Replacement Cost

  • Ordinance or Law Coverage

  • Scheduled Personal Property

Available Discounts

  • Group Member

  • Mortgage Free

  • Smoke Free

  • Claim Free

  • Loyalty

  • Senior Citizen

  • New Home

  • Construction Credit

  • New Roof

  • Fire Alarm

  • Burglar Alarm

  • Sprinkler

  • Multi-policy Credit (With Auto or Umbrella)


This brochure is intended to be a broad summary of the insurance coverages provided by a Homeowners policy. The information here is subject to policy terms and exclusions, and does not replace your policy language. Read your full policy carefully and ask your Independent Insurance Agent if you have specific questions.


* HO-3 covers against all perils as stated. See your policy language for named perils for all other policy types.


Bingham Farms, Troy, Farmington Hills, Southfield, Rochester Hills, W Bloomfield, Pontiac, Royal Oak, Novi, Commerce, Orion, Independence, White Lake, Madison Heights, Oak Park, Auburn Hills, Oxford, Birmingham, Ferndale, Highland, Oakland, Michigan, Pioneer Insurance