For Your Home

Red River Mutual has been providing insurance protection on the Prairies for over 135 years and are committed to providing competitive insurance products and equitable claims settlement.

Homeowners Package Policies

With Red River Mutual’s Broad and Comprehensive Package Policies, you get all the coverage you need for one low premium.

Click here to see a complete listing of Residential Package Coverages.

Broad Package Policy

Provides All Risk coverage on your dwelling and Named Perils coverage on your belongings.

Comprehensive Package Policy

Provides All Risk coverage on your dwelling and belongings.

Additional Features Included in All Package Policies

  • Personal Liability Coverage
  • Voluntary Medical Payments
  • Voluntary Property Damage
  • Coverage for Detached Private Structures
  • Coverage for Additional Living Expenses
  • Debris Removal after an Insured Loss
  • Replacement Cost on Contents
  • Credit Card, Debit Card Coverage
  • Fire Department Charge Coverage
  • Frozen Food Spoilage Coverage
  • Lock Repair and Replacement Coverage
  • Disappearing Deductible if the Total Amount of a Fire Claim Exceeds $10,000
  • Outdoor Trees, Shrubs, Plants and Lawn Coverage
  • Emergency Evacuation Coverage
  • Emergency Entry Property Damage
  • Automatic Principal Residence Coverage
  • Pollution Damage
  • Loss Assessment Coverage, Maintenance Fees, and Improvements and Betterments Coverage on Condominiums and Life Leases
  • Identity Theft Coverage
  • Inflation Guard Coverage
  • Arson Reward Extension

Consider Adding These Optional Coverages

Our floater coverages and endorsements provide additional coverage for items that require a special limit of insurance or may not otherwise be covered under our package policies. Insuring items such as:

  • Sewer Backup
  • Personal Articles
    (provides All Risk coverage for items such as jewelry, furs, mobile telephones, stamps, musical instruments and photography equipment)
  • Boat & Motor
  • Fine Arts
  • Computer (both business and personal use)
  • Eye glasses and/or Hearing Aid
  • Bicycles
  • Single Inclusive Limits
  • Enhanced Special Limits
  • Guaranteed Rebuilding Cost on the dwelling
    (including Mortgage Rate Guarantee)
  • Decreased deductible on Glass Breakage
  • Higher Liability Limits

For Your Other Properties

For Your Business or Farm

Red River Mutual also offers competitive packages for your business and farm.

For the Cottage

You can add coverage for a seasonal cottage or trailer to your Homeowners Package Policy. You may even qualify for our Seasonal Homeowners Package.

For Your Investment Properties

If you own investment (rental) properties, Red River Mutual allows coverage for up to four rental properties to be added to your Homeowners Package Policy. If you own more than two, we offer a competitive Commercial Realty Package.




If your home is less than 35 years old and the replacement value is $450,000 or higher, you may also qualify for Extra, an enhanced home insurance policy for high-value homeowners. Which includes, along with the existing homeowners package coverages:

  • Extra personal liability coverage
  • Extra coverage for equipment breakdown
  • Glass deductible
  • Extra sewer backup coverage
  • Extra coverage for your yard equipment
  • Extra protection for your son/daughter attending university
  • Extra coverage for your jewelry, gold and silver
  • Extra replacement cost options for Dwelling and Personal Property

Talk to your Red River Mutual broker for more details.

Download the EXTRA brochure here.





Home Equipment Breakdown Coverage

Red River Mutual is pleased to offer an affordable alternative to costly product and home warrany plans: Home Equipment Breakdown Coverage through your Homeowners Insurance Policy. Whether you are a renter or a high-value homeowner, we have your equipment breakdown exposures covered. Including:

  • Media Systems
  • PC & Laptops
  • Dishwashers
  • Pool Filtration
  • Washer/Dryer
  • Ranges/Ovens
  • Water Heater
  • Refrigerator
  • Vacuum Systems
  • AC System
  • Heating Systems
  • Deep Well Pumps

Ask your Red River Mutual Broker for more information or visit

Discounts and Payment Options


  • First Time Policyholder Discount
  • Claims Free Discount
  • New Home Discount
  • Alarm Discount
  • Mature Citizen Discount
  • Mortgage Free Discount
  • Higher Deductible Discount

Payment Options

Premiums may be paid as follows:

  • To your broker in a lump sum payment
  • Through our Pre-Authorized Chequing Plan (PAC Plan)
  • By credit card

Our PAC plan allows customers to pay for their insurance on a monthly basis by having payments withdrawn automatically from their bank accounts. A small service fee applies.


Click here to download.
Residential Insurance Package brochure

Talk to your Red River Mutual broker for coverages and rating information.