Homeowners Insurance

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:

• Building

  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.

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.