At Portage Mutual, we understand the diverse nature of farming operations and the many challenges you must meet every day. To help tackle these challenges, we've developed a farm insurance package that can be tailored to meet the needs of today's farm business. This ensures that each farmer can have a policy that best suits the needs of their individual farming operation.

With Portage Mutual you have many choices for structuring your insurance coverage. Your Portage Mutual Insurance Broker can discuss these choices in detail, and customize a package for you.

Both rural and urban dwellers can obtain the same protection packages and the same flexible options through Portage Mutual's Agricultural Pro policy. You can choose from two types of coverage: Broad Form or Comprehensive. Packages are alsoavailable for tenants, mobile homeowners, and seasonal residences.

Single-Limit Option for Homeowners.
Homeowners have the choice of Traditional Coverage Limits on personal effects, or our extremely flexible Single-Limit Homeowners policy which includes higher coverage limits for special items such as furs, jewelry, etc. The single-limit coverage option gives you one blanket amount for all basic coverages.

Through the years you and your family have worked hard to build your farm business and Portage Mutual can help protect your future. Portage Mutual's comprehensive farm liability coverages protect you against legal claims resulting from unintentional property damage, bodily injury or death. In addition, your policy provides defense costs relating to a suit brought against you. Available coverage limits range from $500,000 to $5,000,000.

Optional coverages are also available for cross liability, which provides individual protection for each person named in the policy, and employer's liability which provides protection for employees injured during the course of their employment.

Agriculture Buildings and Contents.
Our basic protection package covers your agricultural buildings against damage or loss as a result of fire or lightning. An extended coverage option is available to further protect against loss or damage due to wind, hail, explosion or vandalism. Replacement cost and all risk coverage options are also available.

Equipment and Tools. Portage Mutual offers a choice of scheduled or blanket coverage for your farm machinery, equipment, and tools. Our all risk coverage option protects these items anywhere in Canada. Loss of use coverage is also available for rental of farm implements when yours are disabled due to an insured peril.

Livestock.
A choice of scheduled or blanket coverage is available for your livestock. Broad Coverage protects your livestock against the following perils: fire, lightning, smoke, wind, hail, flood, collision with vehicle, shooting, collapse of building, drowning, artificial electricity, attack by dogs or wild animals, entrapment, and theft.

Grains, Fertilizers, Chemicals, Feed, and Produce.
Your low-cost, year round Portage Mutual coverage includes protection for your:

Loss of Earnings and Extra Expense.
When your farm business is interrupted and you incur a loss of income due to an insured peril, Portage Mutual will pay for the lost earnings during the period of restoration. With Portage Mutual you can also obtain additional coverage for extra costs incurred as a result of a loss.