Personal Insurance

One of the core pillars that defines Kings Mutual is protecting what is most important to you.


Your home is more than where the heart is. Often, it’s your single biggest investment, and knowing that it’s well protected and customized to your needs is part of what makes it your safe-haven. Our coverage protects you with options for guaranteed rebuilding cost; sewer backup and home operated business.


Your cottage or cabin is just as important to you as your home. It's where you go as a family to rest and escape from the busy realities of life. Make sure it is protected whether you are in residence or not.


Like residential insurance, Tenant’s insurance is a necessity, and protects both you and your possessions. Coverage can be customized to include personal articles; sewer backup; identity theft. Whether you’re a homeowner or renting, protect your walls as they protect you!

Things we can cover.

In addition to providing coverage for your dwelling and personal contents, a homeowner's policy from Kings Mutual can also cover you when the unexpected happens.

Overland Water

Insurance coverage for water damage caused by overflowing rivers, heavy rains and storms.

Identity Theft

Covers you and members of your household in the event that your identity is stolen.

Umbrella Liability

Extra liability insurance protects you from large claims once your policy limits have been reached.

How to reduce your insurance premiums.

Find out if you are eligible to reduce your insurance premiums. Here are some ways to take advantage of discounts.

Mature Discount

Once a homeowner reaches the age of 50, you are eligible for a mature discount.

Claims Free

You are rewarded if you have not submitted a claim within 3 years.

Mortgage Free

If your home is free of a mortgage, you may be eligible for a reduction of premium.

Alarm Systems

Homes with approved monitored fire alarm and security systems are eligible for a discount.

New Home

Homes have been built to updated building codes that are 20 years old and less.

Volunteer Firefighter

As a volunteer firefighter, you are eligible for a discount of premium.

Vacation Checklist

Are you heading out of town? Review our vacation checklist to make sure that you have all the bases covered.

Vacation Checklist

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