Residential insurance
designed around you.
From homes big and small to apartments to condos, choose your living situation to see how we can help protect your way of life.
Coverages
Our main coverage options
We provide three options for your home insurance needs. All protect your home, garage/shed, belongings, and liability to name a few. The difference lies in the limits that we provide.
For a complete breakdown of features, special limits, and exclusions, please contact one of our trusted broker partners who can help find the coverage that’s right for you.
Essentials
Provides the minimum limits we offer for included coverages. We provide Named Perils protection for your belongings.
Your home
Garage & Shed
Your belongings: Named Perils
Additional living expenses
Liability: $1,000,000
Rebuilding clause:
- Guaranteed replacement cost available
- Same site rebuild requirement
Building bylaws: $10,000
Fire department services charges: $10,000
Personal legal expense
Enhanced
A step higher then our Essentials package providing higher limits and comprehensive coverage for your belongings.
Your home
Garage & Shed
Your belongings: Comprehensive
Additional living expenses
Liability: $2,000,000
Rebuilding clause:
- Guaranteed replacement cost available
- Same site rebuild requirement
Building bylaws: $30,000
Fire department services charges: $25,000
Personal legal expense
Elite
Our top tier package, it provides the highest limits we offer.
Your home
Garage & Shed *
Your belongings: Comprehensive
Additional living expenses *
Liability: $5,000,000
Rebuilding clause:
- Guaranteed replacement cost included
- Cash settlement option
- Same site rebuild requirement - removed
Building bylaws: $50,000
Fire department services charges: $100,000
Personal legal expense
Personal cyber
*Indicates higher limits
Home insurance: What it protects.
All of our main coverage options provide the following protection:
- Your dwelling and other structures on your property
- Your contents
- Additional Living Expenses should your home be unfit for occupancy after a loss
- Personal Liability (bodily injury, property damage, and medical payments to a third party)
Additional optional coverages
We offer a variety of aditional coverages for added protection. Contact one of our trusted broker partners to see what could be available to you.
Sewer back-up
Covers loss or damage from sewer back-up of toilets and drains to name a few.
Overland water
Covers loss or damage from floods.
Residence glass
Covers damage to glass at a lower deductible.
Earthquake
Covers loss or damage caused by an earthquake.
Home systems protection
Breakdown protection for everyday home equipment such as central air conditioning, furnaces, water heaters and more.
Service line
Protection for exterior underground service lines such as sewer piping, electrical service lines, data lines, water lines etc.
Scheduled articles
Protection that provides higher limits and lower deductibles for things such as jewelry, coins and fine arts.
Home business
Protection for certain home-based businesses that traditional home insurance excludes.
Ways to reduce your premiums.
Talk to your insurance broker for potential ways to lower your premiums. Your broker can conduct a personalized review to see if you qualify for one or more of our available discounts.
Coverages
Condo insurance designed for condo living
Condo insurance is a little different from traditional home insurance. While your condo corporation typically insures the building and common areas, you are responsible for protecting what's yours.
That includes your belongings, personal liability, additional living expenses, and other unique risks that come with condo ownership.
Our condo coverage is designed with these specific needs in mind.
Broad
Your Belongings: We tell you what IS covered. More limited coverage where your belongings are concerned.
Your belongings
Additional living expenses
Personal legal expense
Liability: $1,000,000
Unit owner additional protection: 250% of your belongings limit
Improvements and betterents: same limit as your belongings
Loss assessment - property: 250% of your belongings limit
Loss assessment - deductible:
- $50,000
- $2,500 earthquake
Comprehensive
Your Belongings: We tell you what's NOT covered. The coverage with the least amount of limitations.
Your belongings
Additional living expenses
Personal living expense
Liability: $1,000,000
Unit owner additional protection, improvements and betterments, loss assessment - property, loss assessment - deductible:
- $500,000
- $2,500 earthquake
Industry Leading Coverage for Peace of Mind.
Condo Specific Coverages our products offer:
Unit additional protection
Assessment of a corporation deductible
Unit improvements & betterments coverage
Loss assessment coverage for your common elements
Additional optional coverages
We offer a variety of aditional coverages for added protection. Contact one of our trusted broker partners to see what could be available to you.
Sewer back-up
Covers loss or damage from sewer back-up of toilets and drains to name a few.
Overland water
Covers loss or damage from floods.
Earthquake
Covers loss or damage caused by an earthquake.
Scheduled articles
Protection that provides higher limits and lower deductibles for things such as jewelry, coins and fine arts.
Ways to reduce your premiums.
Talk to your insurance broker for potential ways to lower your premiums. Your broker can conduct a personalized review to see if you qualify for one or more of our available discounts.
Coverages
Protection for renters, made simple
As a tenant, it’s important to know that while your landlord takes care of insuring the building, tenant insurance helps take care of what's yours.
Our tenant coverage provides protection for your belongings, additional living expenses if you can't stay in your home after an insured loss, and personal liability.
Whether you're renting an apartment, condo, or house, our tenant coverage helps protect what makes it home.
Broad
Your belongings: We tell you what IS covered with a defined list of insured losses. More limited coverage where your belongings are concerned.
Your belongings
Additional living expenses
Personal legal expense
Liability: $1,000,000
Comprehensive
Your Belongings: We tell you what's NOT covered. The coverage with the least amount of limitations.
Your belongings
Additional living expenses
Personal living expense
Liability: $1,000,000
Common insurance terms
| Peril | The actual cause of a loss or damage Example fire, flood, windstorm, hail. |
| Hazard | Is a condition that increases the chance or severity of a loss. Example: wet floors, faulty electrical wiring, poor building maintenance. |
| Risk | The possibility or probability that a loss may occur. Example: A house located in a flood-prone area. |
| Deductible | The portion of a claim you pay out of pocket before Portage Mutual pays the remaining claim amount. |
Additional optional coverages
We offer a variety of aditional coverages for added protection. Contact one of our trusted broker partners to see what could be available to you.
Sewer back-up
Covers loss or damage from sewer back-up of toilets and drains to name a few.
Overland water
Covers loss or damage from floods.
Scheduled articles
Protection that provides higher limits and lower deductibles for things such as jewelry, coins and fine arts.
Earthquake
Covers loss or damage caused by an earthquake.
Ways to reduce your premiums.
Talk to your insurance broker for potential ways to lower your premiums. Your broker can conduct a personalized review to see if you qualify for one or more of our available discounts.
Coverages
Your home away from home
Your seasonal property is a special place to get away from it all, which makes protecting it all the more important.
Our seasonal coverage gives you options to protect your cottage, cabin, or seasonal property with the protection that fits your needs.
Fire and extended coverages
A more basic package that provides protection for a specific list of losses. This product allows you to choose what you want to insure.
Your home
Liability
Available coverages to add:
Garage & Shed
Your belongings
Vandalism and malicious acts
Rebuilding clause:
- Replacement cost
- Actual cash value
Homeowners comprehensive
A more complete package that gives you our broadest protection for both your home and your belongings. Most types of accidental loss are covered unless they are specifically excluded in your policy.
Your home
Garage & shed
Your belongings
Additional living expense
Vandalism and malicious acts
Liability
Rebuilding clause: guaranteed replacement cost available
Fire department service charges: $10,000
Personal legal expense
Coverage overview
Here's a high-level look at coverages. Contact your broker for details.
Fire department service charges
Helps offset charges incurred when the fire department is called to save or protect your property.
Personal legal expense
Provides coverage for professional support/guidance for a number of legal disputes.
Additional living expenses
Pays for the increase with certain living expenses when you are not able to stay in your home due to an insured peril.
Ways to reduce your premiums.
Talk to your insurance broker for potential ways to lower your premiums. Your broker can conduct a personalized review to see if you qualify for one or more of our available discounts.