There’s a reason that banks require home insurance.

Just like your lender, you need to financially protect your assets. More than that, it’s good to know that you have support when things don’t go as planned.

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Secure Your Homestead

From first homes to forever homes, good home insurance protects your most valuable assets.

When you work with people who understand insurance, and know this community, you get tailored coverage to meet your specific needs, including insurance for:

Home guaranteed replacement cost

Cost of replacing your home to the same like and kind regardless of policy limits or depreciations. 

Outbuildings and detached structures

A building or structure on your property that is not attached to your home.  Such buildings/structure as detached garage, shed, deck, gazebo, green or pool house (if they were never a farm building at one time).

Additional living expenses

If you’re temporarily unable to live in your home due to an insurance claim, this covers out-of-pocket expenses like accommodations and food.

Contents/Personal Property

Contents are your belongings from furniture, clothing, appliances etc.  This can also include jewelry, instruments, electronic, art and sports equipment. This covers the cost of replacing or repairing of such items.

Sewer backup

This protects your home from sewer drain backups caused by clogged or damaged sewer lines, outdated systems or excess rain.

Water protection

This covers the cost of cleaning and fixing your home and belongings due to water damage.


If your home or belongings are damaged or ruined from a fire, this insurance covers the costs of replacements and repairs.


With this coverage, you can claim items stolen from your home due to theft, break-ins, and burglaries.  Also includes theft of personal items on your travels (away from home) and in your car.

Personal liability

Personal liability occurs in the event an accident, in or out of your home, that results in bodily injury or property damage that you are held legally responsible for.


This option protects you from paying to replace or repair from an insured peril.

Service line

If your exterior underground water and sewer piping, electrical service lines and/or data lines need to be repaired or replaced due to an insured peril, this covers the costs you incur.

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Insurance for every speed bump.

New Hours of Operation - Effective Monday, April 15, 2024, our Birtle office will open Monday – Friday 9:30 – 4:00 (closed 12:00 – 1:00)