Dwelling Properties

Wayne Insurance Group’s Dwelling Properties program offers the flexibility to help you tailor the ideal coverage to protect your home and your belongings.  Perhaps your home doesn’t qualify for a Homeowners policy, or perhaps you don’t feel you need all of the coverages automatically included in packaged policies.  Our Dwelling Properties program offers a variety of options for owners of a one-to-four family home, for modular (manufactured) homes, for townhouses and for condominiums.  These programs are designed to meet your specific needs, based on the age, condition, construction and other features of your home.

Note: If you have farm-type buildings, livestock, farm equipment, or if a portion of your property is being used for agriculture, our Farm programs may better meet your needs.

Property and Liability

Our Dwelling Properties program can include protection for the following:

  • Damage to your home from fire, lightning, vandalism, windstorm, hail, explosion, smoke and other causes of loss.  This includes coverage for living expenses if you have to relocate temporarily after a covered loss.
  • Loss, damage or theft of your belongings, including clothing, furniture and appliances
  • Damage to additional structures on your premises
  • Bodily injury or property damage you might cause to others

Optional Coverages

A wide variety of optional coverages are available to meet your specific needs.  These can include coverage for:

Boatowners Coverage

In many cases, we can also provide Boatowners coverage for our policyholders.  Our Boatowners package can include coverage for damage to your boat, motor and boat trailer, coverage for bodily injury or property damage to others and coverage for losses caused by uninsured/underinsured boaters.


We also offer several discounts.  These can include:

  • Multi-policy discount (if we write your auto coverage also)
  • Central alarm discount
  • Loyalty discount
  • Builder's risk discount (for homes under construction)
  • ACV loss settlement for wind/hail losses to the roof

All policyholders, tenants and any resident household member are provided with Identity Fraud Resolution Services through our partner, CyberScoutTM.

Contact your Wayne Insurance Group agent to find out which program will best suit your needs.

The coverages described above are presented in general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact your Wayne Mutual agent. If there is a conflict between this website and the policy, the policy provisions shall prevail.

Wayne Insurance Group

For more than a century, the Wayne Insurance Group companies have delivered financial security and peace of mind for families, farms and businesses. As mutual insurance companies, we exist to serve the insurance needs of our policyholders. We have partnered with a network of independent agents to offer a full line of insurance programs backed by prompt, fair claims service and support.

Contact Us

Wayne Insurance Group
3873 Cleveland Road
Wooster, Ohio 44691

Tel: 330-345-8100 | Tol: 800-222-3873
Email: info@wayneinsgroup.com

Wayne Mutual Insurance Company

Founded in 1910, Wayne Mutual Insurance Company provides a wide range of property and casualty insurance programs for automobiles, homes, farms, investment properties, and businesses.

Washington Mutual Insurance Association

Since 1878, Washington Mutual Insurance Association has provided protection for homes, farms and personal property. Our products can be tailored to meet the specific needs of our policyholders.

Mid-State Farmers Mutual Insurance Company

Mid-State Farmers Mutual Insurance Company has been insuring homes and farms in Indiana since 1878, and remains committed to providing dependable protection, seeking creative solutions, and establishing synergetic relationships.