Residential Insurance

Our agents can help you find the right coverage to protect you and your loved ones.

Residential Insurance

Whatever you happen to call home, our agents can help you find the right coverage to protect you and your loved ones.
Request a Quote

With a professional agent by your side,
It's as easy as 1, 2, 3.

Step 1

Select the Right Policy

House, condo, apartment or cottage. Home holds a different meaning for each of us, but for all of us it is the center of our daily lives and protecting your home with the right product means your peace of mind.
Let our insurance professionals put together a residential insurance policy that will make sure you’re covered should the unexpected occur.

Homeowners

Your Homeowners Policy acts as a safety net, providing protection for not only your home, but for all those things that matter most to you.

Your Homeowners Policy covers:

  • Your Dwelling
  • Your Detached Private Structures
  • Your Personal Property
  • Additional Living Expenses in the event of a claim
  • Your Personal Liability
  • Your Voluntary Payments for Medical Expenses / Damages to Property

With so many variations of home insurance policies available, choosing the right one can be a challenge!

To learn more about the various coverages, visit the coverages section below or speak to your professional agent.

Request a no-obligation quote today.

Tenants

You may not own your own home, but your peace of mind is just as important to us.

Your Tenants Policy covers:

  • Your Personal Property
  • Your Personal Liability
  • Additional Living Expenses in the event of a claim

Don’t be caught unprepared, you have choices to protect yourself.

To learn more about the various coverages, visit the coverages section below or speak to your professional agent.

Request a no-obligation quote today.

Country Estate

Country living has a certain charm that you find appealing. You may qualify for the competitive rates that our country estate insurance offers, given that your property meets certain conditions:

  • Your property consists of more than 5 acres
  • You have no farm operations
  • You have no farm animals
  • You do not rent out your land

If you qualify, then your Country Estate Policy covers:

  • Your Dwelling
  • Your Detached Private Structures
  • Your Personal Property
  • Additional Living Expenses in the event of a claim
  • Your Personal Liability
  • Your Voluntary Payments for Medical Expenses / Damages to Property

To learn more about the various coverages, visit the coverages section below or speak to your professional agent.

Request a no-obligation quote today.

Condo

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 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.

To learn more about the various coverages, visit the coverages section below or speak to your professional agent.

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.

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 Policy covers:

  • Your Seasonal Dwelling
  • Your Seasonal Contents

There are important options to consider to give you the coverage you need.

To learn more about the various coverages, visit the coverages section below or speak to your professional agent.

Request a no-obligation quote today.

Rental Properties

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 Policy covers:

  • Your Rental Dwelling
  • Your Rental Contents
  • Your Personal Liability

Protect your revenue property and the income you receive from it.

To learn more about the various coverages, visit the coverages section below or speak to your professional agent.

Request a no-obligation quote today.

Step 2

Choose the Right Coverage

Not all Residential insurance policies are made the same, they differ by which losses are covered, which coverages you have chosen, and what type of residence you own. Let your professional agents find you the right coverage for your home, your valuables, and yourself.

Detached Structures

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

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

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

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

Vacant home coverage maintains coverage on your home when it is unoccupied or vacant for an extended period.

Water Damage

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

Identity Theft protection replaces your lost wages while you work on getting your identity back.

Step 3

Get the Right Discounts

Once you have selected the Right Policy and the Right Coverage, your agent will go to work to get you the best value.

Claims Free

Your Claims Free Discount rewards you for no claims in the past three years.

Multi-Property

Your Multi-Property Discount rewards you for insuring more than one property with us.

Multi-Policy

Your Multi-Policy Discount rewards you for insuring both your residence and automobile with us.

Monitored Alarm

Your Monitored Alarm Discount rewards you for the installation of a professionally monitored alarm system.

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.

Step 1

Select Your
Product

Homeowners

Tenant

Condominium

Seasonal

Country Estate

Step 2

Choose Your
Coverage

Home Systems Protection

Service Line Protection

Personal Umbrella Liability

Jewelry

Step 3

Get Your
Discounts

New Home

Monitored Alarm

Multi-Property

Multi-Policy

Claim Free

Our Products

House, condo, apartment or cottage. Home holds a different meaning for each of us, but for all of us it is the center of our daily lives and protecting your home with the right product means your peace of mind.

Let our insurance professionals put together a residential insurance policy that will make sure you’re covered should the unexpected occur.

Homeowners

Your Homeowners Policy acts as a safety net, providing protection for not only your home, but for all those things that matter most to you.

Your Homeowners Policy covers:

  • Your Dwelling
  • Your Detached Private Structures
  • Your Personal Property
  • Additional Living Expenses in the event of a claim
  • Your Personal Liability
  • Your Voluntary Payments for Medical Expenses / Damages to Property

With so many variations of home insurance policies available, choosing the right one can be a challenge!

To learn more about the various coverages, visit the coverages section below or speak to your professional agent.

Request a no-obligation quote today.

Tenants

You may not own your own home, but your peace of mind is just as important to us.

Your Tenants Policy covers:

  • Your Personal Property
  • Your Personal Liability
  • Additional Living Expenses in the event of a claim

Don’t be caught unprepared, you have choices to protect yourself.

To learn more about the various coverages, visit the coverages section below or speak to your professional agent.

Request a no-obligation quote today.

Country Estate

Country living has a certain charm that you find appealing. You may qualify for the competitive rates that our country estate insurance offers, given that your property meets certain conditions:

  • Your property consists of more than 5 acres
  • You have no farm operations
  • You have no farm animals
  • You do not rent out your land

If you qualify, then your Country Estate Policy covers:

  • Your Dwelling
  • Your Detached Private Structures
  • Your Personal Property
  • Additional Living Expenses in the event of a claim
  • Your Personal Liability
  • Your Voluntary Payments for Medical Expenses / Damages to Property

To learn more about the various coverages, visit the coverages section below or speak to your professional agent.

Request a no-obligation quote today.

Condo

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 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.

To learn more about the various coverages, visit the coverages section below or speak to your professional agent.

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.

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 Policy covers:

  • Your Seasonal Dwelling
  • Your Seasonal Contents

There are important options to consider to give you the coverage you need.

To learn more about the various coverages, visit the coverages section below or speak to your professional agent.

Request a no-obligation quote today.

Rental Properties

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 Policy covers:

  • Your Rental Dwelling
  • Your Rental Contents
  • Your Personal Liability

Protect your revenue property and the income you receive from it.

To learn more about the various coverages, visit the coverages section below or speak to your professional agent.

Request a no-obligation quote today.

Our Coverages

Not all Residential insurance policies are made the same, they differ by which losses are covered, which coverages you have chosen, and what type of residence you own. Let your professional agents find you the right coverage for your home, your valuables, and yourself.

Detached Structures

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

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

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

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

Vacant home coverage maintains coverage on your home when it is unoccupied or vacant for an extended period.

Water Damage

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

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 the Right Coverage for your home, our agents will go to work to get you the best value.

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-Property

Your Multi-Property Discount rewards you for insuring more than one property with us.

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.

Discover the Cayuga Mutual difference today.

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Address & Business Hours

23 King Street West
Cayuga, ON N0A 1E0
Monday to Friday
8:30 AM to 4:30 PM
Excluding Statutory Holidays

Telephone Numbers

Local: (905) 772-5498
Toll Free: (800) 567-3381
Fax: (905) 772-3921

Claims (During Business Hours)
Local: (905) 772-5498
Toll Free: (800) 567-3381

Claims (Outside of Business Hours)
Toll Free: (866) 410-1226