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General Policy

Residential Insurance

We insure all forms of residential property:

  • Homeowners
  • Condominiums
  • Tenant’s Package
  • Seasonal Homes (when we insure the principal residence)
  • Rental Properties (when we insure the principal residence)
  • Boats
  • Jewellery Floaters
  • Other Personal Articles

When you insure with Peel Mutual, you insure with security. We also offer a wide range of discounts:

  • Claims Free
  • Mortgage Free
  • New Home (built within the past 10 years)
  • Age 50 & Over
  • Loyal Customer
  • Automobile Insured Discount
  • Non Smokers
  • Burglar Alarms

WE PROVIDE THESE COVERAGES AUTOMATICALLY
IN YOUR HOMEOWNERS 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, to a maximum of 20% of the limit of insurance on your dwelling or tenant’s package, including moving expenses, that you incur to maintain your usual standard of living if your dwelling becomes unfit for occupancy because of an insured peril and you have to move out while repairs are being made.

PLUS...

MOVING COVERAGE FOR PERSONAL PROPERTY
We will insure your personal property for a period of 30 days while you remove it to another location in Ontario which is to be occupied by you. The limit of insurance on your personal property will be divided between the insured premises, in transit and at the new location.

WATER ESCAPE FROM WATERBEDS AND AQUARIUMS
We cover damage to your dwelling and personal property as a result of accidental discharge and overflow of water from your waterbed or aquarium.

Your local agent/broker knows your community and subsequent insurance. They can help you set up the insurance program you need.

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.