Home Insurance

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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.

Home Insurance Brochure (PDF)

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