HOME IS WHERE THE HEART IS

HOME INSURANCE

Family Living Room Home Insurance Canada

Insurance protects you, the people you love, and the things that matter the most. With a comprehensive Home Insurance package from Mutual Fire Insurance you’ll get customized coverage that will protect you and give you peace of mind whether you’re a homeowner, tenant, or landlord.

WHAT DO WE COVER?

  • Home, Seasonal, and Rented Dwellings
  • Contents – all your belongings
  • Living Expenses – helps you stay afloat in the event of a claim
  • Detached outbuildings and sheds
  • Damages to others (liability)
  • Home-based Businesses
  • Boats and Jet Skis
  • Identity theft

FREQUENTLY ASKED QUESTIONS

What is a deductible?

A deductible is the amount you agree to pay for your claims expense before your insurance coverage takes effect. For example, there is a theft in your home and the approved cost to replace your belongings is $4,500. With a $500 deductible, you pay for the first $500 of expenses and Mutual Fire Insurance would cover the remaining $4,000*. *Example only – each claim is adjusted individually with coverage to be determined based on your unique claims situation.

How is my home insurance premium calculated?

Many variables are considered when determining an insurance premium. This can include things such as the location and age of your dwelling, and your claims history, to determine your premium.

How can I get a discount?

Homes with security features like a burglar alarm or centrally monitored fire alarm are eligible for a discount. Consecutive loyalty, mortgage-free applicants, claims-free applicants, and new homes are also eligible for discounts. Ask your broker for more details on discounts available for your policy.