PROTECT YOUR HOME 
Home looks different for each of us, but it’s the centre of each of our daily lives. Whether you’re a landlord with rental properties, you rent an apartment yourself or you own a condo in Norfolk County, you need an apartment insurance policy that covers your unique circumstances.
Let our condo insurance professionals put together a policy that will make sure you’re covered should the unexpected occur. We’re proud to serve communities throughout Norfolk County including Simcoe, Port Dover, Delhi, Waterford, Courtland, Turkey Point, Port Rowan and beyond.
SELECT YOUR PRODUCT
TENANTS INSURANCE
You may not own your own apartment, but your peace of mind is just as important to us.
Your Tenants Insurance Policy covers:
- Your Personal Property
- Your Personal Liability
- Additional Living Expenses in the event of a claim
Request a no-obligation quote today.
CONDO INSURANCE
Condominium insurance covers you where your condominium corporation doesn’t. Although the building or unit is covered by the corporation’s insurance, your contents and any improvements you make, are not.
Your Condo Insurance Policy covers:
- Your Personal Property
- Additional Living Expenses in the event of a claim
- Your Betterments and Improvements
- Your Personal Liability
- Loss Assessment Charges
As a condominium owner, you have some unique risks that you need to protect against.
Request a no-obligation quote today.
SEASONAL PROPERTIES
Your seasonal cottage is where you go to relax and unwind, so finding the right insurance policy is the last thing on your mind. Which is why our Seasonal Property policy has you covered. Coverage may be available for your docks, boathouses, and occasional rental of your property.
Your seasonal dwelling may qualify if it meets certain conditions such as:
- How often the dwelling is occupied
- How the dwelling is used
- Whether the dwelling is rented out
If you qualify, your Seasonal Property Insurance Policy covers:
- Your Seasonal Dwelling
- Your Seasonal Contents
Request a no-obligation quote today.
LANDLORD INSURANCE
Owning a property can be a great investment, but as a landlord you take on many risks. If you own a home, duplex or a condo unit that you rent out to others for income, whether it be for:
- Residential
- Student
- Apartment
- Cottage
- Condo
Your Rental Property Insurance Policy covers:
- Your Rental Dwelling
- Your Rental Contents
- Your Personal Liability
Protect your rental property and the income you receive from it.
Request a no-obligation quote today.
OUR COVERAGES
Not all condo and apartment insurance policies are made the same. They differ by which losses are covered, which coverages you have chosen, and what type of building you live in.
Let our professional condo insurance agents find you the right coverage for your home, your valuables, and yourself.
SELECT YOUR COVERAGE
DETACHED STRUCTURES INSURANCE
Structures on your property that aren’t part of the main home, such as sheds and detached garages, are covered under Detached Private Structure coverage.
PERSONAL PROPERTY INSURANCE
Depending on the type of policy, covers the physical possessions in your home from damages from such things as water damage, theft, fire and vandalism.
ADDITIONAL LIVING EXPENSES INSURANCE
Reimburses you for expenses incurred over and above your normal living expenses for time away from your home due to an insured loss.
PERSONAL LIABILITY INSURANCE
You may be held liable if someone sustains an injury or suffers property damages while on your property. Personal liability coverage protects you from having to pay for these damages, and covers you almost anywhere in the world.
VACANT HOME INSURANCE
Vacant home coverage maintains coverage on your home when it is unoccupied or vacant for an extended period.
WATER DAMAGE INSURANCE
Water damage coverage protects you from damage caused by a sudden and accidental release of water within the home, such as a burst pipe or hot water tank. Optional coverage is available for water damage caused by sump pump failure or sewer backup.
FRAUD PROTECTION INSURANCE
Identity Theft protection replaces your lost wages while you work on getting your identity back.
OUR DISCOUNTS
Once you have selected the right policy and coverage, our agents will go to work to get you the best value.
SELECT YOUR COVERAGE
CLAIMS FREE
Your Claims Free Discount rewards you for no claims in the past three years.
MONITORED ALARM
Your Monitored Alarm Discount rewards you for the installation of a professionally monitored alarm system.
MULTI-POLICY
Your Multi-Policy Discount rewards you for insuring both your residence and automobile with us.
AUTOMATIC GENERATOR
Your Automatic Generator Discount rewards you for the installation of an automatic generator.
NEW HOME
Your New Home Discount applies to your single family, owner-occupied home built within ten years of the effective date of your new policy.
PRESTIGE HOME
Your Prestige Home Discount applies to your single family, owner-occupied home built within six years of the effective date of your new policy. In addition, your home must meet certain criteria as set out by our loss prevention department.
THE MUTUAL WAY
When you work with a mutual insurance company, your premiums stay in the community, employing neighbours, supporting our local economy and giving back. Cayuga Mutual Insurance is proud to offer condo owners, landlords and tenants in Simcoe and Norfolk County with insurance policies tailored to their unique needs.
Whenever you have a question or a claim, someone you know and trust will be right there to help. It’s not the way every insurance company does business, but it’s the Mutual Way.
