Home Insurance

The CUMIS Home Insurance Program offers exceptional coverage designed to meet the unique needs of credit union members.

CUMIS home insurance shelters you from financial loss due to theft, unforeseen events and personal liability that may occur if someone is injured while visiting your home; it can also protect against liability for accidental damage to someone else's property.

CUMIS is committed to delivering excellent client service personalized for credit union members. They are always ready to answer your insurance questions and should a problem arise, you will receive expert claims advice without fear of consequences if you decide not to proceed.

Features of the Program Expand/Collapse

  • 24/7 claims service across North America
  • Get a QuickQuote online estimate in as little as 30 seconds.
  • No premium increases for client-paid claims
  • Preferred repair and replacement contractors with guaranteed service
  • Convenient Online Services to manage your policies

Save More Expand/Collapse

Additional savings on our home insurance rates are available when:

  • You are claims-free*
  • You have a centrally monitored home security system*
  • Your home has a monitored fire alarm system*
  • Your home is new*
  • You have Neighbourhood Watch
  • You are mortgage-free
  • You are a mature policyholder
  • You have Home and Auto coverage with CUMIS
  • You have a Leadership in Energy and Environmental Design (LEED) certified home
*Discounts, coverage and eligibility vary by province.

Value-Added Benefits Expand/Collapse

With home insurance from CUMIS, you get value-added benefits you may not get anywhere else.

  • Identity Theft Coverage: All home insurance plans from CUMIS Insurance - home, condo and tenant - include identity theft coverage at no extra cost.
  • Blanket Limit Coverage: This coverage enables you to replace your building, contents, outbuildings and pay for any additional living expense under one blanket limit of $1 million. Depending on the value of your home, you may qualify for a higher blanket limit. Some conditions apply; tenant policies are not eligible.
  • Extended Water Coverage: Protect your home from water damage caused by drains and sanitary systems by adding this option to your property policy. Choose from two coverage levels, limits*, basis of settlement* and the deductible that suits your needs. Some conditions and exclusions may apply. *Limits, basis of settlement, deductible and eligibility vary by province.
  • Other Optional Type Coverage:
    • Home-based Business
    • Personal umbrella liability
    • Valuable personal articles riders for jewelry, furs, and special collectibles
  • Flexible Payment Options: With our flexible payment options, you can decide how you would like to pay your premium, either by mail, credit card or pre-authorized payment (weekly, bi-weekly, monthly, semi-annually or annually)