Protecting More than just the House
A Red River Mutual home policy means having the peace of mind knowing that we have your back — while you’re busy looking out for others. Talk to your insurance broker to find the right coverage for you.
Policy Features available in all our Broad and Comprehensive home policies:
- Arson reward extension
- Credit card, debit card coverage
- Coverage for additional living expenses
- Coverage for detached private structures
- Disappearing deductible if the total amount of a fire claim exceeds $25,000
- Emergency evacuation coverage
- Fire department charge coverage
- Replacement cost on contents
- Identity theft coverage
- Inflation guard coverage
- Coverage on condominiums and life leases
- Outdoor trees, shrubs, plants and lawn coverage
- Personal liability coverage
- Voluntary medical payments
- Voluntary property damage
Broad vs. Comprehensive Home Insurance
Understanding what type of home insurance you need can be tricky. Knowing the difference between Broad and Comprehensive package policies will help you decide on the right amount of protection for you, your home and your belongings.
Broad Package Policy
This package policy provides broad protection for your house, as well as coverage for loss or damage to your belongings due to a list of named causes (known as ‘perils’). It serves as a starting off point for people who want good coverage, for a reasonable price.
Comprehensive Package Policy
If you’re concerned that the list of named perils in the Broad Package Policy isn’t enough, our Comprehensive Package Policy offers additional protection for you and your belongings.
No matter which home insurance policy you choose, you can add additional coverage for events like sewer back-up, as well as coverage for higher value items like jewelry, bicycles and art collections. Ensure that all your insurance needs are met by talking to your insurance broker.
Need help finding a broker? Click below to find one near you.
Consider These Additional Coverages
Check with your insurance broker to see if your home qualifies for Extra, Red River Mutual’s enhanced home insurance policy for high-value homeowners. Along with the existing home policy coverages, Extra includes:
- Extra personal liability coverage
- Extra coverage for equipment breakdown and sewer backup
- Extra protection for your son/daughter attending university
- Extra coverage for your jewelry, gold and silver
- Extra coverage for your underground service line
Download EXTRA Homeowners Coverage Details
A more affordable alternative to costly product and home warranty plans. Whether you are a renter or a high-value homeowner, sometimes expensive equipment, such as dishwashers and water heaters, can break down. If that’s the case, we’ve got you covered.
Download Home Equipment Breakdown Coverage Details
Homeowners often don’t realize that they own the outdoor service lines that extend from the street to their house, and behind their house to a well, septic tank, or out-building. A service line failure can result in a leak, break, tear, rupture or collapse of a pipe, or arcing wiring. Protect yourself with this endorsement on your home policy.
Download Underground Service Line Coverage Details
Floods are the costliest natural disasters in Canada when it comes to property damage. Water protection coverage provides flexible options for homeowners who want the peace of mind knowing that you are covered in case of overland water, ground water or sewer-back-up damage.
Download the Water Protection Coverage Details
Ensure your other properties are properly protected under your home policy.
Your cottage or trailer:
Add coverage for a cottage or trailer to your home insurance policy.
Your investment property:
Add coverage for up to four rental properties to your home insurance policy.