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Combination Dwelling Owners Policy

Today’s Modern Homeowners Policy

The Combination Dwelling Owners (CDO) policy offers complete Property and Liability protection from your local township mutual and North Star. Written under one policy at “package” rates, this insurance broadens coverages at no additional cost.

  • Replacement Cost on Residence
  • 10% Cov. A for other Buildings
  • 60% Cov. A for Personal Property (80% for CDO “Classic”)
  • 10% Cov. C for Personal Effects
  • Increased Living Costs
  • 10% Cov. C for Trees, Shrubs. Etc. ($5,000 Limit / $500 per item)

Basic Coverage

  • Fire or Lightning
  • Windstorm or Hail
  • Smoke
  • Theft
  • Explosions
  • Vandalism
  • Riot or Civil Commotion
  • Vehicles and Aircraft
  • Sinkhole Collapse

Special Form Coverage

Covers house and other buildings for losses, except those specifically excluded

Includes all Broad Form Coverage Plus:

  • Chemical Spillage
  • Backup of Water on Frozen Roof
  • Paint Spill
  • Accidental Breakage

Broad Coverage / Tenant’s

Includes all Basic Coverage Plus:

  • Falling Objects
  • Water Overflow from Fixtures
  • Weight of Ice/Snow
  • Collapse of Buildings
  • Freezing of Plumbing
  • Heating Systems
  • Electrical Injury to Appliances

Classic Coverage

Includes Special Form Coverage Plus:

  • Expanded Replacement Cost on home
  • Replacement Value on Personal Property
  • Refrigerated Food – $1,000
  • Broadened Debris Removal
  • Personal Injury
  • Watercraft Liability & Medical Payments

Optional Coverages

  • Water or Sewer backup

  • Theft of Building Materials (Residence under construction)

  • Replacement Cost for Personal Property

  • Liability coverage for Motorboats, Snowmobiles, Incidental Offices, Farm Liability and Other Exposures

  • Modified Replacement Cost for Dwellings (50-80% of RC)

  • Personal Injury Liability

  • Installed Equipment Breakdown

  • Expanded Replacement Cost for Dwellings (Special Form)

  • Underground Service Line Coverage


Contact your local Agent for other Optional Coverages.

Inland Marine

Special coverages are available for added protection on your most valuable possessions.

  • Computers
  • Jewelry
  • Cameras
  • Furs
  • Guns
  • Fine Arts
  • Boats and Motors
  • Collections
  • Golf Equipment
  • Musical Instruments
  • Portable Tools
  • Recreational Vehicles
  • And More…

Liability & Medical Payments

  • Accidental injury or damage to property while on premises (Non-Auto)

  • Off-premises personal activities (Sports, Social Events, Acts of Children, etc.)

  • $100,000 base limit for Liability

  • $1,000 base limit for Medical Payments to others regardless of fault

  • $1,000 included to pay for property of others damaged by you regardless of fault