Your home is where many of your cherished memories are made.

Homeowners Insurance

Your home is where many of your cherished memories are made. You not only want to protect your structure, you want to protect its contents, from your possessions to the memories made by those who live under its roof.

Portage Mutual Insurance offers a wide range of coverages tailored to your life so you can go about the business of living it, especially after an unexpected loss. You can expect fast and fair claims service to help put that special place back together, something you would expect from a company that has been doing this since 1884.

We help you to have a choice of products to insure your home.
All which provide you with important coverage required as a homeowner:

  • 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)

Our 2 main coverage options are:

  • Homeowners Essentials
    package to cover the basics
  • Homeowners Enhanced
    package that includes extra coverages and some higher limits that you might find necessary to suit your coverage needs and to provide extra piece of mind

Highlights of our Homeowners Enhanced Package:

  • $2,000,000 liability included
  • Identity Theft Coverage $25,000
  • Mass Evacuation Coverage 30 Days
  • Professional Property on or Off Premises $5,000
  • Building Bylaws Coverage $30,000
  • Conviction Reward Coverage $5,000
  • Jewellery/Furs $10,000
  • Personal Property of a Student Away $20,000
  • Golf Carts no limit

*For a complete listing of features and special limits of insurance for the Homeowners Essentials or Homeowners Enhanced Package, please consult with your insurance broker who can walk you through the limits which are also contained in our Residential 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 •
• Distinct Client •

Important Optional Coverages

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

  • Claims Free Protection Endorsement

    Should you qualify, this popular endorsement can protect the loss of your claims free discount following your first loss.
  • Sewer Back-up Coverage

    This important coverage is specifically designed to protect you from loss to your home or contents from the effects of water that backs up into your home from a sewer line. This could also by the result of a sump pump failure.
  • Overland Water Endorsement

    With overland flooding events on the rise such as accumulation of water from storm events or the overflowing of a body of water, you can look to add protection from this peril that has typically not been covered by insurance companies in Canada until recently.
  • Home Systems / Service Line Protection Endorsement

    We offer Home Systems & Service Line Protection as a bundle or Service Line Coverage as a standalone endorsement.
  • Seasonal Homeowners Packages

    Basic, Broad, or Comprehensive forms are available.
  • Business at Home Extension

    This is a coverage endorsement to protect you should you have a home-based business.

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.