Home Insurance
Your property is one of your most valued assets. We provide you with options, so you can choose the coverage that’s right for you. Whether you are a new home buyer or a retiree with no mortgage, Howard Mutual has an insurance option for you, and we still make house calls.
Insurance on Your House
- Comprehensive or limited perils options
- Swimming pools and fixed outdoor equipment
- Trees, plants, patios – includes removal of debris from insured loss
- Optional guaranteed replacement cost on contents
- Separate coverage for detached garages and sheds
Home Contents and Personal Property
- Comprehensive or limited perils options
- Replacement cost coverage
- Extensions for property while away from your home and for students’ contents
- Includes property of family members living in your home
- Specialty coverage available for jewelry, fine arts, collectibles, tools, musical instruments, electronic equipment, and watercraft
Other Features
- Protection against fraud for your credit/debit cards and cheques
- Coverage on the contents of your freezer if it breaks down
- Cleanup coverage if gas, oil, or other pollutants are accidentally spilled on your property
Additional Living Expense
- Coverage for the extra cost of living away from your home while your house is being repaired, if the damage was caused by an insured loss
Public Liability
- We will defend you and pay for losses you are legally liable for if someone sues you because you injured him or her or damaged their property
- Many optional extensions available
Policy Wording
