Coverage Tailored to your Life
Discover protection that evolves with you, whether it’s your first apartment or dream home. HD Mutual understands that every home is unique – whether it’s the fulfilment of a lifelong dream or the start of a new chapter. With HD Mutual, you’ll discover competitive rates and flexible coverage that adapts to your evolving story, always by your side when you need us most.
Our agents and brokers aren’t just experts; they’re your neighbours, intimately familiar with our shared communities. We understand that your home represents one of life’s most significant investments, and that’s why we’re committed to delivering the exceptional service and local expertise you deserve.
Packages available for:
- Homeowners
- Condominiums
- Cottages
- Tenants of Rented Dwellings
Depending on the package, coverage may extend to:
- Outdoor equipment
- Trees & plants
- Special limits for jewellery, fine art, collectibles, musical instruments, etc.
- Student property and liability while living away from home at a post-secondary institution in Canada
- Additional living expenses
- Personal liability
- And more
Optional Coverages available for:
- Home systems
- Service lines
- Water backup
- Watercraft, from seadoos to motorboats
- Recreational trailers
- Cyber threats
- And more
Service Line Coverage:
This coverage can be purchased for your home, cottage, or rental dwelling to protect against leaks, breaks, tears, ruptures, collapse, or arcing of a covered service line, including:
- Water lines connecting to your structure to the public water system or your private well
- Piping connecting your structure to an outdoor heating system
- Sewer lines connecting your structure to the public sewer system or your private septic system
- Power lines, electrical lines, telephone cable, and internet lines, which you own or are legally liable for
Find the right coverage that works for you
At HD Mutual, we simplify the process. Our agents and brokers go beyond simply reviewing your current coverage; we work with you to determine as best as possible your property replacement cost. This ensures that you’re adequately insured, particularly crucial during times of inflation and resource scarcity. We then tailor coverage recommendations and apply applicable discounts to make your insurance policy both comprehensive and cost-effective.
