Home Insurance

Protect your hard-earned investment

Grange Insurance Association has protected homes in the Western United States for over one hundred years. We know that your home is one of your family’s most hard-earned investments. Your local independent Grange Insurance Association agent can make sure that you get the coverage you need to protect your house, your belongings and your guests. Our agents live in and know the communities we serve in California, Colorado, Idaho, Oregon, Washington, and Wyoming so you can be sure to get the personalized attention you deserve.



Homeowner’s insurance doesn't just protect your house and the other structures on your property. It also protects your belongings and, importantly, provides personal liability protection in the case that someone is injured in your home or yard. Grange offers a number of coverage options for your specific needs, and offers coverage for manufactured homes and owned rental homes. 


Our adjusters are highly qualified and experienced within their specialty areas and can address any issues that may arise. This approach leads to quicker decision making and faster claim service.


Homeowner’s Coverage

Every HomePak Plus policy provides the following standard coverages and benefits:

  • Full replacement cost coverage on your home, outbuildings and most personal property
  • Personal property insured for up to 75% of what your home is insured for
  • Extra replacement cost protection of at least 25% over your dwelling policy limits for your home to help cover cost overruns
  • Loss of use coverage in case your home become uninhabitable due to a covered peril
  • 50% of the cost of lock replacement or repair if your keys are lost or stolen, up to $500
  • Water back up or sump overflow protection
  • Up to $500 for refrigerated property coverage
  • Liability protection for you and your family should you become responsible for bodily injury or property damage to another
  • Guest medical coverage if a guest is injured on your property
  • Limited liability coverage for certain watercraft 
  • Limited liability coverage for use of recreational vehicles such as ATV’s, snowmobiles etc. while on your premises
  • Legal defense for covered liability claims against you
  • Our superior claims service

Every HomePak Premier policy contains all of the above PLUS:

  • Additional perils coverage for your personal property
  • Up to an additional 25% in extended replacement cost coverage for your home (50% total) which also may include your outbuildings and personal property
  • Reasonable costs for lock replacement or repair with no deductible
  • An additional $250 of refrigerated property coverage ($750 total)
  • Increased coverage for personal property that contains restrictions due to their nature, such as money, jewelry, firearms etc.
We offer a large selection of additional options available for your special coverage needs including but not limited to:
  • Increases in policy limits for outbuildings, personal property, loss of use and a host of other coverages
  • Coverage for small home businesses 
  • Liability coverage for recreational vehicles (snowmobiles, golf carts, watercraft etc.) when used off premises
  • Coverage for outbuildings located off premises or rented to others
  • Incidental farming operations liability coverage
  • Specified personal property with no deductible

Manufactured Home Insurance is available with many of the same coverages as noted above. Contact your local independent Grange Insurance Assocation agent for details.

Homeowner coverages may vary from state to state.  They are not binding as described here and are subject to underwriting approval.  Coverage is only available when the terms of the policy contracts are met.  Please consult with an authorized agent for a complete list of coverage availabilities and terms.

Why Choose Us?

Because we’re a small mutual company serving the West, we’re not beholden to any stockholders. Our interests are your interests—protecting what matters most to you—because that's our top priority and has been since 1894.

Because we work only with independent agents, you can trust you were sent our way because an independent third party thinks we’re the best fit for you. As such, every home insurance policy is custom fit for your specific needs. There is no one-size-fits-all policy under our roof and there won’t be any covering yours. Discover what makes us the best choice for homeowners in California, Colorado, Idaho, Oregon, Washington, and Wyoming. 


“Thank you for your professionalism, kindness and helpfulness with our recent fire loss. After faithfully paying our premiums, we feel safe and secure in our choice of insurance companies.”
GIA Policyholder

Why Grange?

Personal Attention

Trusted Advice

First-Class Claims Service

ValChoice #1
Best Value in Home Insurance