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Home Insurance

Enjoy peace of mind knowing your home is properly protected.

Home Insurance Policies That Fit Your Life

Your home is your sanctuary, where life’s moments are shared and memories are made. We understand how important it is to ensure that it is properly protected.

For over a century, Halwell Dumfries Mutual has been providing a wide range of home insurance options, so homeowners can rest easy knowing that their home, its contents, and its outdoor structures are protected.

Contact Us for Your Personalized Quote

Or call 1-800-265-3573

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Residential Coverages Include:

Coverage also available for:

  • Outdoor Equipment
  • Trees and Plants
  • Decks
  • Special Coverages (jewelry, fine art, collectibles, musical instruments, etc.)
  • Student Property While Away from Home
  • Additional Living Expenses
  • Public Liability Protection
  • Nursing Home Tenant Packages
  • And more

Our experienced team of insurance representatives will assist you in selecting the best coverages for your lifestyle, while ensuring that you are receiving the best value.

Specialty Home Insurance Products

At HD Mutual, we’re proud to offer two unique products to better protect you: Home Systems Protection and Service Line Coverage.

Home Systems Protection

This unique product takes the worry out of repairing or replacing your home’s systems and appliances. If you are paying monthly or annual extended warranty fees to multiple service providers, you can simply add one coverage to your residential insurance policy to cover all of these items – for pennies a day.

Coverage includes any sudden and accidental mechanical or electrical breakdown, bursting, cracking, or splitting, and resulting spoilage and reasonable expediting costs.


Items covered include:

  • Furnaces
  • Air conditioners
  • Hot water systems
  • Water filtration systems
  • Ventilation systems
  • Built-in appliances
  • Central vacuum systems
  • Hot tubs
  • Swimming pool equipment
  • Chair lifts
  • Generators
  • And more

You can enjoy the peace of mind that comes with knowing that you’re covered, without needing to track the expiry dates of costly warranties.

Service Line Coverage

This coverage comes bundled with Home Systems Protection and can be applied to your home, cottage, or rental dwelling. This protects you against leaks, breaks, tears, rupture, collapse, or arcing of a covered service line, including:

  • Water lines connecting your structure to the public water system or your private well.
  • Piping connecting your structure to an outdoor heating system. 
  • Sewer lines connecting your structure to the public sewer system or your private septic system.
  • Power lines, electrical lines, telephone, cable, and internet lines, which you own or are legally liable for.

Speak with our team to determine which specialty coverages would be best suited for your home.

We’re A Different Type of Insurance Provider

HD Mutual is a mutual insurer, which means that we do things differently from the large corporate insurers. 

We are proud to be a 100% Canadian-owned company, owned solely by its policyholders, and backed by one of the world’s most financially secure insurance networks: 35 mutual companies, known as Ontario Mutuals, providing strength, stability, and expertise.

When you become a policyholder with HD Mutual, you become a member owner of the company. This means:

  1. You have a voice.
    When you purchase an insurance policy with us, you’re more than a policyholder. You become a member of our company and your vote counts when important decisions are being made. 
  2. You support your local community.
    When you pay your premiums, the money goes towards employing your neighbours, supporting the local economy, and investing in local projects.
  3. You are treated with respect.
    When you need assistance, you will receive help from a caring and responsive team of professionals. You will never have to deal with a call centre.
  4. You will receive great rates.
    When you have a policy with HD Mutual, you are supporting the not-for-profit company, Ontario Mutuals. You can rest assured that your premiums are not going to a select group of shareholders.

The spirit behind mutual insurance is supportive and helpful. It’s about looking out for the greater good — and that’s what makes us different.

Home Insurance Discounts

Home insurance is important and we will make sure that you are benefitting from the right coverage with the best premiums. Our team will review a wide range of discounts and bundling options to help make your home insurance policy affordable.

Home insurance discounts include:

  • First-Time Home Buyer
    For new home buyers who have purchased their first home in the last three years.
  • Mature Homeowner
    For homeowners age 50 and above.
  • Claims-Free
    For homeowners who haven’t made a claim in the past three years.
  • Construction
    For homeowners who have made updates to significant elements within their home.
  • Year Built
    For homeowners who have older homes.
  • Dumfries Risk
    For homebuyers who purchase a home that is currently insured with Dumfries and has been claims-free.
  • Generational (GEN Now)
    For the children of homeowners, who have a home insurance policy with us, for the purchase of their own home.
  • Bundling
    For homeowners who have both home and auto insurance with us.

HD Mutual will be there with you from beginning to end.
From questions to claims, we do it all in-house.
Your agent is your advocate and you are never alone.
We’ll be there for you.