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Choose The Best Coverage For You

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Your home is a reflection of you and your family, uniquely tailored to meet your needs. At Portage Mutual, we believe you should be able to make your residential and personal insurance just as unique. That's why our Residential Pro policy has a number of coverage options so you can get the best coverage to suit your needs.

With Residential Pro, you can choose from two types of coverage: Broad Form or Comprehensive. Homeowners also have the choice of Traditional Coverage Limits for personal effects, or our extremely flexible Single-Limit Homeowners policy with higher coverage limits for special items such as furs, jewelry, etc.

Your Portage Mutual Broker can give you complete details and help you select the best coverage for you.

Broad Form Coverage:
All Risk protection on your home for homeowners and condominium unit owners. It also protects your personal property against an enhanced list of Named Perils, including:

  • Fire
  • Hail
  • Smoke
  • Riot
  • Theft
  • Vandalism
  • Lightning
  • Explosion
  • Collapse
  • Impact by Aircraft
  • Malicious Acts
  • Weight of Snow
  • Glass Breakage
  • Transportation
  • Impact by Land Vehicle
  • Falling Object
  • Water Escape
  • Windstorm
  • Fuel Leakage

Comprehensive Coverage:
Our Comprehensive Coverage option provides All Risk protection on your home, as well as your household contents and personal property - regardless of your type of residence. In addition, you are covered for personal effects temporarily removed from your residence.

A Portage Mutual Standard

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Whether you are a homeowner, a condominium unit owner, or a tenant, both the Broad and Comprehensive packages include coverage for the following situations:

  • Liability
  • Voluntary Medical Payments
  • Voluntary Property Damage
  • Swimming Pools and Their Equipment as Part of the Dwelling
  • Fire Department Charges
  • Credit Card Coverage
  • Lock Replacement Coverage
  • Contents Coverage Through the Course of a Move
  • Generous Special Limits for items such as Jewelry and Furs, Cash, Boats and Motors, Property of Students Away From Home etc.
  • Food Freezer Contents
  • Arson Conviction Reward

Residential Pro

Flexible Coverage Limits

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Traditional Coverage Limits.
The standard Residential Pro policy - both Broad Form and Comprehensive - includes Traditional Coverage Limits. For homeowners, the Residential Pro covers replacement value on the home. Limits for coverage on furnishings, trees and shrubs, outbuildings and emergency living expenses are calculated based on a standard percentage of that replacement value. For tenants and condominium unit owners, Traditional Coverage Limits are based on the value of your personal property. Coverage limits for other items are based on a percentage of your personal property value.

A True Single-Limit Homeowners Options for Homeowners.
Portage Mutual's Single-Limit Homeowners option can apply to both Broad and Comprehensive packages. This provides a single-limit, blanket coverage for property and personal effects. Coverage is based on the value of your home with little or no restrictions on how it should be allocated in the event of a total loss. You also get increased coverage limits on the loss of property like stamps, professional equipment, jewelry, credit cards, and more.

Special Coverage for Seasonal Residences.
Seasonal residence owners have special concerns and require special coverage. Portage Mutual has several options to help you protect your leisure or seasonal property. Our Seasonal Residence Homeowners package protects your property from the following perils: fire, lightning, explosion, smoke, falling object, impact, riot, vandalism, water escape, windstorm, hail, glass breakage, transportation, theft, and damage caused by bears. Extra protection options can cover many other concerns related to seasonal residences. Ask your Portage Mutual Broker.

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