McMillan Warner Mutual Insurance Company is a leader in insuring Homeowners in rural Wisconsin. The company has been in business for over one hundred years in Wisconsin and has been rated by A.M. Best since 2004. We offer local claims service, professional loss safety consultation services and a hardworking staff dedicated to servicing our customers. Our goal is to help protect you, your family and your property.

Homeowners Coverage

Comprehensive insurance protection for owner occupied residences in which, coverage can be tailored to your needs with several residential program options. Many of the program offerings include coverage for Personal Property, Related Private Structures, Additional Living Costs, and Personal Liability.

Residence Program Offerings:

  • Replacement Cost
  • Specified Additional Amounts of Insurance
  • Modified Replacement Cost
  • Market Value
  • Actual Cash Value

Incidental Property Coverage Offerings:

  • Association Deductible
  • Credit Card; EFT Card or Access Device; Forgery
  • Debris Removal
  • Fire Department Service Charge
  • Grave Markers
  • Increased Cost – Ordinance or Law
  • Lock and Garage Door Transmitter Replacement
  • Refrigerated Property
  • Duplexes occupied by you
  • Equipment Breakdown Coverage
  • Residential Service Line Coverage
Homeowners Insurance

Liability Coverage

Liability Coverage is generally included with the property coverage and includes Personal Liability and Medical Payments to the Public.

Optional Endorsements

  • Golf Cart Liability
  • Incidental Business Pursuits
  • Personal Injury
  • Identity Fraud Expense
  • Residence Under Construction – Collapse & Theft
  • Student Living Away From Described Location
  • Water Back Up and Sump Discharge or Overflow
  • Special Form Building and Contents
  • Scheduled Personal Property
  • Loss Assessment
  • Additional Insured
  • ATV & Recreational Vehicles
  • Snowmobiles
  • Boats & Motors
  • Additional Residences Occupied

Available Discounts

  • Auto/Home
  • Claim Free
  • Mortgagee Free
  • New Home
  • Protective Devices