Peel Mutual Insurance Company

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Policy Summaries
----- Automobile Insurance
----- Residential Insurance
----- Farm Insurance
----- -----Farm Insurance
---------- Farminsure Policy
---------- Loss of Farm Income
---------- Pegasus Policy
----- Business Insurance
How to file a claim
Safety Products

Farm Insurance

COVERAGES INCLUDED AUTOMATICALLY IN YOUR FARMOWNERS POLICY:

Inflation Protection
Additional amounts of insurance will be provided automatically on your home to compensate for inflation during the policy term.
Pollution Coverage
We will pay up to $5000 for pollution damage to your land caused by you which is ordered to be removed.
Fire Department Charges
We will pay up to $1000 for charges for which you are legally responsible if the fire department was called because of a fire in, on or exposing your insured property on your premises. No deductible applies to this coverage.
Debris Removal
The limits of insurance include the cost of removal of debris and cleaning as a result of an insured loss. Our Comprehensive and Broad Form policies provide an additional 10% of your dwelling coverage for such costs if required.
Additional Living Expenses
We pay any necessary increase in living expenses, including moving expenses, that you incur to maintain your usual standard of living if your dwelling becomes unfit for occupancy because of an insured loss and you have to move out while repairs are being made.
FARM PROPERTY COVERAGES
We provide the following coverages on your farm barns/outbuildings and their contents:
Fire and Standard Named Perils:

Fire
Explosion
Smoke
Falling Object
Impact by Aircraft or Land Vehicle
Lightning and Electrocution
Riot
Vandalism or Malicious Acts
Windstorm or Hail

Coverages automatically included in Fire and Standard Named Perils Coverage:

Removal of Debris - 5% of coverage on damaged building
Exterior Wiring Systems - Up to $2000
Pollution Coverage - Insured Premises - $5000
Fire Department Charges - Up to $1000
Fences - Fire and/or Impact - Up to $1000
Outdoor Trees/Shrubs/Plants - 5% up to $500 each

SPECIAL COVERAGES
Special Coverages are available for your Farm Produce, Farm Machinery and Equipment, Farm Livestock and Loss of Farm Income as follows:

Farm Produce - Named Perils Form
Farm Machinery & Equipment - All External Perils
Farm Livestock - Named Perils - Broad Form
Loss of Farm Income - Broad Form

These special forms provide additional coverages not included in the Fire and Standard Named Perils Coverage.
FARM LIABILITY COVERAGE
Liability Insurance specific to farm related operations is available in limits from $1,000,000 to $5,000,000.
THIS BROCHURE PROVIDES GENERAL DESCRIPTIONS ONLY. THE EXACT PROVISIONS, TERMS AND CONDITIONS OF THE POLICY APPLY IN ALL INSTANCES.
INSURE WITH PEEL MUTUAL
Top Quality Protection for...

Your Home
Your Farm Property
Your Farm Liability

Top Quality Service...

The kind of service that can only be offered by a Mutual Company, owned by its Policyholders!

FARM DWELLING COVERAGE QUALIFICATIONS

FARMOWNER QUALIFICATIONS COMPREHENSIVE BROAD FORM BASIC FORM

Single Family - Owner Occupied Yes Yes Yes

Additional Family - Up to One (subject to surcharge) Yes Yes Yes

Additional Families - Up to Three (subject to surcharge) - - Yes

Incidental Business Occupancy - Yes Yes

Insurance to Value 100% 90% 80%

Built Since 1965 or Renovated Yes Yes -

Electrical Service 100 Amp or Greater Yes Yes Yes

Modern Central Heating (oil, gas or electric) Yes Yes Yes

Copper Plumbing System or Installed in Past 25 Years Yes Yes -

Roof Resurfaced Within Past 10 Years Yes Yes -

No Claims in Past 2 Years Yes Yes -

Acceptable Claims Experience - - Yes

FARMOWNER COVERAGE COMPARISON

ALL RISKS - Building	Yes	Yes	-
ALL RISKS - Contents	Yes	-	-
BROAD NAMED PERILS - Contents	-	Yes	-
BASIC NAMED PERILS - Building and Contents	-	-	Yes
PERSONAL PROPERTY EXTENSION LIMIT	75%	70%	60%
DETACHED PRIVATE STRUCTURES EXTENSION LIMIT	15%	15%	15%

Water Escape from Sump Pits, Sewers, Eavestroughs or Downspouts	Yes	Yes	-
TV Antennae, Tower or Satellite Dish - Specified Perils	Yes	Yes	-
Personal Property Temporarily Removed Limit	20%	20%	20%
Student Property at Student Residence	$10,000	$5,000	$2,000
Seasonal Storage of Furs, Clothing and Watercraft	Yes	-	-
Any one Tree, Plant or Shrub	$1,000	$1,000	$50
Food or Freezer Damage resulting from Power Failure or Mechanical Breakdown	$2,000	$2,000	Optional
Fuel Oil Escape	Yes	Yes	-
Theft from Unlocked Motor Vehicle	Yes	Yes	-
Power Surge	Yes	-	-
Collapse of Buildings	Yes	Yes	-
Lock Replacement following a Burglary	$500	$500	-
Smoke Damage from Woodstove or Fireplace	Yes	Yes	-
Vehicle Impact to own Building	Yes	Yes	-
Transportation of Personal Property in a Mobile Cabin or Home Trailer	Yes	Yes	-
Business Books, Tools & Instruments on Premises	$3,000	$2,000	$2,000
Silverware	$10,000	$5,000	$5,000
Securities	$5,000	$2,000	$1,000
Money and Bullion	$500	$300	$300
Watercraft and Outboard Motors	$2,000	$1,000	$1,000
Furs/Jewellery (Maximum Coverage - Theft)	$3,000	$3,000	$3,000
Furs/Jewellery (Maximum Per Item)	$2,000	$1,000	$1,000
Manuscripts and Stamps	$2,000	$1,000	$1,000
Memorabilia Collections	$2,000	$1,000	$1,000
Numismatic Property (Coin Collections) - Theft	$1,000	$500	$500
Bicycles and Related Equipment	$1,000	$1,000	$1,000
Credit Card/Bank Forgery	$5,000	$2,000	$1,000
Counterfeit Currency Limit	$1,000	$500	$100
Safety Deposit Box Coverage	$10,000	$10,000	-
Emergency Evacuation Coverage	Yes	Yes	-
Replacement Cost on Contents	Yes	Yes	Yes
Guaranteed Rebuilding Cost on Dwelling* *Subject to qualification.	Yes	Optional	-

FARMOWNER PACKAGE DISCOUNTS

CLAIMS FREE - No Claims in Past 3 years on Entire Risk	10%
OR
- No Claims in Past 2 Years on Entire Risk	5%
NEW HOME - Built within Past 10 Years	10%
MATURE CITIZEN - Age 50 or Over	10%
NO SMOKERS IN HOUSEHOLD	5%
ALARM - 1) Monitored by Police Station or Answering Service	10%
- 2) Local Alarm	5%
LOYAL CUSTOMER - Principal residence insured with Company for 5 consecutive years	5%
AUTOMOBILE INSURED - Automobile policy currently in force with Company	5%

MAXIMUM DISCOUNT - 25% ANY ONE RISK

This page contains general descriptions only. The exact provisions, terms and conditions of the policy apply in all instances.

Mission Statement:
Peel Mutual Insurance Company, owned by its policyholders, is committed to providing those owners, through its agents and brokers, with quality insurance products at cost, delivered and serviced by a dedicated staff.