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  Lititz Mutual's fortune is to have been founded on the soundest of ideals — thrift, integrity, caring, reliability, quality, fairness, and, above all, on a sense of responsibility to our agents and to thousands of individuals and businesses that have been insured under our banner. » LITITZ QUICK FACTS
     
 
Lititz Preferred Homeowners Insurance
Lititz Mutual's Century VIP Endorsement is a package of extended coverage that can
be added to Lititz Mutual homeowner policies of $125,000 ($90,000 if a townhome) or
more. The package broadens your protection at a preferred premium, which means
its rate is less than what it would cost to purchase each coverage separately.

We also offer: Guaranteed Dwelling Replacement; Extension of Personal Property Protection;
Special Limits On Personal Property.

If your home qualifies for the Century VIP Endorsement, all of the important additional coverage described can be added to your basic policy for one nominal premium. By selecting the proper limits of protection, your Lititz Mutual Agent can provide homeowner coverage to fill your individual needs and possibly save you thousands of dollars should a loss occur.

Homeowners Policies and PCs
Often standard homeowners policies treat home computers as ordinary personal property. Coverage may be for limited perils only, subject to the Dwelling deductible. Losses paid may be at depreciated values, with only personally owned equipment covered. But what about leased or borrowed equipment? Is business use covered? Is business use included? And what about software coverage?

Announcing A Better Way To Insure The Home Computer
Covered equipment (including vendor software) is specifically listed; Coverage is 'All-Risk', World-Wide, and losses may be paid at replacement cost; Special Loss Deductible $50; Owned, leased (or even borrowed) equipment is covered; Both Business and Personal use are included; Coverage is remarkably affordable - $5 per $1000 of coverage.

AND - the Home Computer Endorsement can be added to ANY Lititz Mutual Homeowner Policy.
The above represents a general description of Coverages. Consult the Endorsement for exact terms and conditions.
 
 
Home-Business Insurance
Lititz Mutual does its HOMEWORK – And so do millions of new work-at-home entrepreneurs. Basements, garages and spare bedrooms across the country have been turned into Home-Based Businesses; part of a revolution in how American workers meet today's markets. Home-Based Businesses truly represent substantial investments requiring protection beyond that provided by the standard Homeowners Policy.

Talk to us at Winstead Aqency to see if your Home Business needs this very valuable coverage!
 
 
Personal Umbrella
Lititz Mutual's PUP - Personal Umbrella Policy - can add an extra margin of insurance protection. Coverage is designed to provide catastrophe Liability protection in excess of a sound primary insurance program.
 
Special Coverage, Special Needs
· Automobiles, Watercraft, Recreational Vehicle, and Personal Liability protection applies anywhere, World-Wide.
· Coverage For Additional Hazards, Policy coverage involving Personal Injury (such as libel, slander, wrongful eviction) and Property Damage Liability which may not be covered by primary insurance applies with a nominal Self-Insured Retention.
· Defense Costs. Additional coverage for lawsuits perhaps not covered by primary insurance.
· Other Coverage. Expense costs, premiums on required bonds, prejudgment or accrued interest.
   
  The above represents a general description of Coverages. Consult the Endorsement for exact terms and conditions.
 
 
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