Accidents or property damage can happen in seconds - and can be costly to repair. Protect your home, personal belongings, and even legal interests (if unintentional damage should occur to another homeowner’s property).
Home Insurance Policy
Protect your home, property and any detached structures and personal items against loss or damage.
We can help you find the peace of mind that comes with knowing you have the right home insurance coverage with a provider you can trust.
Your Home Insurance Policy from Ayr Farmers Mutual will cover the following:
The main physical structure that is built on a plot of land (your premises).
- Personal Property
Loss or damage to clothing, furniture, appliances; basically your home’s contents or ‘‘stuff”.
- Detached Private Structures
Buildings that are separated from the main structure (like a detached garage, a shed, workshop, boathouses, and docks).
- Additional Living Expenses
If you have to vacate your home due to an insured loss, we cover the expenses related to your relocation.
- Legal Liability
Covers you for when you are found to be legally liable for causing unintentional damage to others and their property.
Do You Have Flood Coverage?
Aging infrastructure, catastrophic weather events or seasonal changes can lead to a devastating flood in your home or on your property. Be prepared and protect yourself against the #1 contributor to claims in Ontario. We offer the flood coverage you need.
Save Money on Home Insurance
In addition to the savings you’ll enjoy with your home insurance policy from Ayr Farmers Mutual, you can save even more by taking advantage of the following discounts:
- Loss Prevention Discounts
Claim this discount if you install monitored burglar and fire alarms, battery backup sump pump systems, backup generators, and other equipment.
- Multi-Line Discount
Carry an active automobile policy with Ayr Farmers Mutual and receive additional savings.
- Claims Free Discount
If you have not made a property insurance claim in the last five years, you’ll be eligible for this discount.
Get Even More Protection
Want the peace of mind that comes with robust protection against property loss, rebuilding costs, and more? We can offer advice on enhancements to your policy, including:
- Combined Limit Endorsement
Adds together the insurance limits for your building, personal property, and detached private structures as a fail-safe measure in case a loss exceeds your insurance limit for your building.
- Guaranteed Rebuilding Cost
A guarantee that the building you insure will be replaced, even if the rebuilding cost exceeds what the building is currently insured for.
Example: A sudden increase in labour rates force the rebuild cost to increase to an amount above what your house is currently insured for.
- Home Systems Protection
Coverage for the sudden and accidental breakdown of appliances, HVAC equipment, and other electronics in your home.
Insurance That Works As Hard As You
Please contact us and Get Started Today! One of our Agents will work steadfastly to provide you with the information you need. Just shopping around? No problem! Our Agents are happy to help provide you with information, so you can make the best decision—For You.