Loudoun Mutual Insurance Company, based in Waterford, Virginia, was founded in 1849 as Mutual Fire Insurance Company of Loudoun County and is one of the top property insurers in Virginia. Loudoun Mutual sells its insurance policies through a network of local independent agents in Virginia.
Loudoun Mutual homeowners insurance coverages
In addition to its standard homeowners insurance policy, Loudoun Mutual offers three other types of packages with optional coverages.
- Guardian Program: This package increases your personal property limit to 70 percent of your dwelling coverage. Additionally, it comes with replacement cost coverage. Other optional coverages in this package include sewer back-up coverage, extra mortgage expense coverage and expanded computer coverage.
- Guardian Plus: This package, which is only for homes that qualify, includes personal property replacement coverage, extra mortgage expense coverage and expanded computer coverage. Additionally, it comes with a host of other coverages, which include increased personal property coverage, enhanced sewer back-up coverage, personal injury coverage and more.
- MasterGuard: Loudoun Mutual’s largest package is designed for higher valued residences and is only available to select homes. This package includes broader coverage and higher limits for the dwelling and personal property. You can learn more about this package on the company’s website.