If you’re a farmer, helping to produce the world’s food is your business and life. Ensuring you can keep providing this vital service is ours.

We Know Farms

We insure a variety of farms from small hobby farms to full scale specialized farming operations such grain, dairy potato, mixed farm, and equine. And of course, we cover the dwelling, personal contents and your liability.

For your farm home and contents, we have 2 main coverage options for you that include many farm specific coverages:

  • Farm Homeowners Essentials
    – for the basics*
  • Farm Homeowners Enhanced
    – for the basics plus extra coverages you may desire*

At Portage Mutual, we understand the diverse nature of farming operations and the many challenges farmers must meet every day.

For this reason, we have developed several specialized endorsements and packages to enhance and specialize your coverage further:

  • Hobby Farm package
  • AgBusiness Packages designed for Specialized Grain, mixed, Dairy, and Potato Farms

And to further enhance your coverages, ask your broker advisor about purchasing of 2 enhancements:

  • Universal Ag Enhancement
  • Farm Property Elite Coverage

*For a complete listing of features and special limits of insurance for the Farm Homeowners Essential or Farm Homeowners Enhance Package, please consult with your insurance broker who can walk you through the limits which are also contained in our Agricultural Pro Policy Booklet.

Potential ways to reduce your premiums!

Talk to your insurance broker to find out potential ways to lower your insurance premiums. Your broker can explain options such as increasing your deductible or by conducting a review to see if you qualify for one or more of our available discounts:

• Club 50 • Alarm System •
• New Home (buildings up to 20 years old) •
• Mortgage Free • Claims Free •

Important Optional Coverages

Please consult with your insurance broker about important additional coverage options that could be available to you:

  • Sewer Back-up Coverage
  • Overland Water Endorsement
  • Home Systems / Service Line Protection Endorsement
  • Seasonal Homeowners Packages
  • Business at Home Extension

Portage Mutual works with a network of insurance brokers across Canada. They are licensed professionals who work for your best interests and help you navigate the complexities of your insurance purchase.

Coverages and limits are subject to change. This is a general description of coverages. Actual policy conditions govern.
For a complete description of coverages please consult your insurance broker or the policy wordings.