MDOW products are for Oklahoma and Arkansas consumers.
Homeowners / Dwelling Fire
Available Forms: Standard Dwelling Fire and Homeowner
Homeowner’s Form HO001
Policy Term: 1 year
Minimum Limit: $20,000
Maximum Limit: $200,000
Deductible: $250 minimum
Premium: $150 minimum
Personal Liability: $25,000, $50,000 or $100,000
Medical Pay: $500 or $1,000
Contents Coverage: 50% of Coverage A
Dwelling Fire – Form FL-1
Policy Term: 1 year
Minimum Limit: $30,000
Maximum Limit: $200,000
Deductible: $250 minimum
Premium: $150 minimum
V & MM: Acceptable
Owner Occupied dwellings 30% of Dwelling Coverage Maximum
Tenant Occupied dwellings $1,000 Maximum
**Note all policies listed above are on actual cash value basis only.
We’ll protect your home and your belongings against perils such as fire, lightning, windstorms and hail, and most accidental losses including vandalism, theft and broken glass.
Farm Liability Coverage
You don’t want to risk losing your farm, especially if it’s been in your family for generations. Our farm liability coverage gives you protection you need for the unexpected, such as accidental bodily injury, medical expenses or property damage for which you are legally responsible.
Farm Personal Property Coverage
Animals, feed, machinery and equipment are integral to your farm’s success, and we can help protect you against loss or damages.
Our Scheduled Coverage allows you to pick and choose individual items for coverage. You can choose either Blanket or Scheduled Coverage, or a combination of both, to suit your individual needs.
Farm Outbuilding Coverage
We protect sheds, barns, detached garages or other outbuildings against fire, lightning, windstorms, hail, vandalism, theft and other perils. You can broaden your coverage with optional endorsements, too.
Country Home Coverage
If you have a small farm with farm animals for personal use then you may qualify for a Country Home policy. The Country Home product was specifically designed to protect our members who have small ranches or farms (at least 10 acres).
Our Country Home policy is designed to meet the special needs of country living. A traditional homeowner’s policy may leave gaps in coverage. If you are a homeowner whose lifestyle includes a small acreage and perhaps some horses, livestock, or limited agricultural productions, this policy may be a good fit for you.
The Country Home policy offers unique coverage for the property exposures of a country home. This includes personal and country living liability coverage; limited farm equipment and machinery coverage; and loss of livestock, hay or grain due to specific perils. Replacement cost coverage is also available for both your home and your personal property.
Country Home Liability Coverage
In addition to standard Liability coverages, we offer farm liability coverage for the unique exposures of a country home. Standard coverages include bodily injury and property damage to protect you from damages to others for which you are legally obligated and medical payments to cover medical expenses of those who are injured on your property or injured by livestock and farm equipment on the road.
Farm Property and Equipment Coverage
The Country Home policy offers coverage for your property exposures including your home, additional structures, and limited farm personal property (including saddles, tack, livestock and hay). Coverage options are available to protect your home, outbuildings, farm machinery, livestock and farm equipment.
Some optional coverages include: replacement cost coverage for household personal property, and backup of sewer or drains.
Manufactured Home Insurance
Home and Other Structure Protection
Protects your manufactured home from fire, lightning, vandalism, and more.
Personal Property Protection
Safeguards the stuff inside your home, such as furniture, bicycle, stereo, and more.
Protects you if someone sues you after being injured on your property.
Helps if someone incurs medical expenses from an injury suffered on your property.
Additional Living Expenses
Reimburses you for increased living costs if a coverable loss makes your home uninhabitable. Such expenses typically include rent, hotel costs, food, and more.
We also offer options that go beyond standard manufactured home coverage, including:
Schedule Personal Property
Provides increased limits for a valuable appraised item, such as an engagement ring or fine antiques.
Protects business goods such as business samples or items for sale.
Covers jewelry, watches, furs and other expensive items.
Personal Auto Insurance
A Personal Auto Policy is insurance purchased for cars, trucks and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise in the event of an unforeseen accident. The specific terms of vehicle insurance vary with legal regulations in each State.
You want to be adequately covered in case of an accident. After all, you’re protecting your life and your investment, as well as the lives of those around you. Below are the standard and optional coverages which can be purchased:
Liability coverage is the most important coverage and is required in most states. Basically, if you cause an accident, hurt someone or damage someone’s property, it can pay for covered damages and to defend you if a lawsuit results.
Collision coverage helps pay for damage to your vehicle if your car hits another car or object, is hit by another car, or your vehicle rolls over. This coverage is generally required if your car is financed or leased.
Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. Examples include theft, vandalism, hitting a deer or other animal, storms and certain natural disasters.
Medical payments coverage helps pay for covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault.
Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage.
Personal injury protection (PIP), also called no-fault insurance is available in certain states and pays medical expenses, and in some cases lost wages and other damages regardless of who is at fault in an accident.
In addition to the above basic coverages, you can choose from a host of optional coverages to create a customized auto policy that meets your needs. Please note that in some states, some of these coverages may already be included in your auto policy:
Towing and labor pays for covered towing and labor costs if your vehicle is disabled, up to your policy limits.
Rental reimbursement or extended transportation expenses coverage can pay for a rental car if your car is damaged in a covered accident and your car is out of commission for more than 24 hours.
Non-Owners auto Insurance is for anyone who doesn’t own a vehicle. The policy will provide basic liability coverage you need to protect yourself and your assets after an accident for which you were at fault. If you frequently rent or borrow cars or consistently drive cars that do not belong to you, such as those owned by your employer, it is well worth considering.
Also known as “hired automobile coverage”, non-owner liability provides you with coverage if you cause injury or property damage to others in a car accident while you are operating a vehicle you do not own.
Non-owner liability only covers damages and injuries you cause to others. This coverage does not extend to damages or injuries you might suffer in a car accident. Also, this type of insurance typically does not include the following coverages:
Farm Truck Insurance
Whether you use your farm truck to haul supplies, tow livestock or sell produce out of the back, you depend on your farm truck daily. The right farm truck insurance can help make sure you’ve got the truck you need to get the job done. This coverage provides protection from financial losses that may result from vehicles used primarily for farming or ranching, with only occasional personal use.
Many state laws require liability coverage, also known as “property damage/bodily injury.” It can help cover expenses from damaging a vehicle or injuring a person in an accident.
Collision insurance can help pay for damage to your car after an accident involving another vehicle.
Comprehensive car insurance
Comprehensive coverage can help pay for damage to your car from vandalism, weather events and accidents involving animals.
Uninsured motorist insurance
This car insurance coverage helps protect you and your vehicle from uninsured drivers and hit-and-run accidents.
Underinsured motorist insurance
This insurance helps protect you from drivers who do not have enough insurance to cover the costs of an accident.
Medical payments coverage
Mandatory in some states, med pay can help cover medical costs related to an accident, regardless of who is at fault.
Personal injury protection insurance
Personal injury protection can help defray costs from medical bills and lost wages as the result of an accident.
Towing and labor insurance
This coverage can reimburse you for a tow and for the labor costs to get your car up and running again.
Rental reimbursement insurance
Rental car reimbursement helps pay for a rental car if your own vehicle can’t be driven after an accident.
A non-owner auto insurance policy covers you for liability when you do not own a vehicle. It is purchased per driver, so multiple drivers are not covered under one policy. Non-owner auto insurance policies do not provide coverage for medical or any physical damage.