Residential Insurance

Home, personal contents, personal article floaters i.e. jewellery, sports equipment etc., seasonal homes, watercraft and personal liability insurance are available through Halwell Mutual.


Inflation Protection To compensate for inflation during the policy term, coverage will be automatically increased.

Guaranteed Replacement Cost on Dwellings If your house is insured to 100% of its replacement value, land cost excluded, we will pay your claim in full even if your loss exceeds the policy limit. This coverage can be added if your property conforms with our underwriting guidelines.

Combined Limit of Insurance If your dwelling qualifies for combined limit, and coverage for A - dwelling building, B - detached private structures, C - personal property or D - additional living expense is inadequate to satisfy your loss, you may apply the unused limits of insurance remaining under coverage A, B, C or D until the total limit of insurance under these coverages become exhausted.

Farm Insurance                Automobile Insurance