Insurance Products

Homeowners Insurance

Lancaster Mutual Insurance Company offers recently enhanced products for many types of homeowners and their insurance needs. When it comes to a home’s replacement value and protection against severe damage, a replacement cost policy is the most common option to rebuild a home if necessary.

Our new Market Value policy is a perfect option for homeowners who may not desire to rebuild their home and may want to solely insure their investment and the current market value price of the home.

Renters policies are available with many benefits for coverages. They include personal property, liability and additional living expenses. Personal property coverage can help pay to replace belongings if they are stolen or damaged.

Lancaster Mutual Insurance Company also provides a package policy covering property and liability for Mobile Homes occupied as an owner or as a tenant. Many of the coverages offered in the mobile homeowner’s policy are similar to those offered under the homeowner’s policy. Replacement cost is also a unique coverage benefit for eligible mobile homes.

Exclusive coverage options are available for your home based business and bed and breakfast.

Business Insurance

Owning your own business is an American dream for many, which is why it’s so important to make sure your interests are protected. Lancaster Mutual Insurance Company helps protect businesses by tailoring policies to fit each business. We write both Property and Liability coverage on a stand-alone basis, or as a package policy, with competitive prices.

For smaller commercial risks, Lancaster Mutual Insurance offers a Business-owners policy which affords comprehensive coverage at a competitive cost.

Farmowners Insurance

In recent years, the farming industry has evolved to become more complex and the need to safeguard your property has never been more important. Lancaster Mutual Insurance Company offers a variety of coverages to protect your dwellings, outbuildings, Farm equipment, Livestock and more. For those farms who have expanded their operations, Lancaster Mutual can also write Home-based Business and Bed & Breakfast risks.

Lancaster Mutual started writing farms in 1895 with agents that live and work in your community. Similar to the farming industry, we value strong personalized relationships with our agents and members. Providing friendly, personal service with competitive rates on Farmowners insurance sets us apart in the industry.

Umbrella Insurance

An Umbrella policy provides additional liability coverage beyond your Personal, Farmowner, or Commercial policy.

With an Umbrella policy from Lancaster Mutual, it provides additional liability limits of at least $1,000,000, with further coverage available up to $5,000,000. It may also provide coverage for normal exclusions on the underlying policies.

When considering Umbrella Insurance, it’s important to think of your future income and assets, as well as what you currently own. Now is a good time to build your second line of defense for protection against a substantial loss.