Great Lakes Mutual


At Great Lakes Mutual, we’ve been insuring our policyholders homes and honoring their trust for over a century. Let Great Lakes earn your trust with a custom policy tailored to meet your specific insurance needs. Our Homeowners Insurance can be written as a market value policy or to cover 100% of your home’s actual cash value. GLM Homeowners Insurance also includes personal property and liability coverage.

Contact your local Great Lakes Mutual agent today to learn more about a zero credit score insurance policy for your home. 

Homeowners Policies

Great Lakes Mutual offers Broad Form and Special Form insurance for your home. 

  • Broad Form (HO 0002): Under this policy, your home and related private structures will be covered for damages due to a wide range of named perils, including: damaging hail, wind, lightning and freezing. Vandalism and theft are also included under this Form.
    See below for for perils covered chart.

  • Special Form (HO 0003): Great Lakes Mutual offers open peril coverage to the residence and related private structures. Property coverage includes all perils under the Broad Form and other perils not specifically excluded in the policy.  

Property Coverage 

Great Lakes Mutual Insurance policies provide the following types of coverage, up to the limits outlined in the policies.  

  • Residence (Coverage A): With a GLM Homeowners policy, your residence can be insured up to 100% of your home’s actual cash value. Both Broad and Special Form coverage can be written for the market value of your property. An HO 1509 Modified Replacement Cost Endorsement is applied to waive depreciation, in the event of a partial loss, on property insured to less than 80% of its replacement cost.

  • Related Private Structures (Coverage B): Detached garages, utility sheds and permanently installed outdoor fixtures (fences, sidewalks, driveways, etc.) are examples of related private structures covered for loss by named perils under Broad and Special Form policies.

  • Personal Property (Coverage C): Great Lakes Homeowners Insurance covers your personal property for all Broad named perils. Clothing, furniture, computers and other electronics are protected. For more coverage, talk to your GLM agent about a Replacement Cost Endorsement.

  • Additional Living Costs and Loss of Use (Coverage D): In the event your residence becomes unfit to live in due to a covered loss, Great Lakes may pay for your increased living costs. Additional living costs include meals, temporary housing and other expenses you may incur while you are displaced from your home.

Perils Insured Against

Liability Coverage

Your Great Lakes Homeowners Insurance policy may cover legal (Coverage L) and medical expenses (Coverage M) for any number of unforeseen events you may be held liable for. Accidents related to pet encounters and hidden trip hazards are liability concerns.

Contact your local GLM agent for more details.

Optional Homeowners Insurance Endorsements

Replacement Cost for Personal Property (HO 4855)

For maximum protection of your personal belongings, consider a Great Lakes Mutual Replacement Cost Endorsement. Electronics, clothing, furniture and appliances will be replaced at current cost in the event of a covered loss.

Water Backup and Sump Discharge or Overflow Endorsement (HO 2708)

Great Lakes will insure against direct physical loss to property covered under the Water Backup and Sump Discharge or Overflow Endorsement. This includes loss from water that backs up through sewers or drains; or that overflows or is discharged from a sump.

Some locations may be ineligible due to environmental conditions. Consult your local Great Lakes agent for additional information.