RESIDENTIAL INSURANCE
Protecting your possessions and giving you peace of mind
Home, Condo, Apartment – wherever you live we have a package to suit your needs
Tradition Mutual provides security for your home, property and possessions through flexible, at-cost insurance that’s designed for our community. We offer a variety of packages to protect your physical property as well as your personal liability.
Whether you own or rent, we can provide a package that suits your needs and provides coverage with you in mind. We can also cover items such as seasonal dwellings, trailers, and personal articles.
One of our local insurance agents can walk you through the details of coverage and help you custom-build an insurance policy that protects everything you own and value.
Packages
Homeowners
Coverage for your primary residence.
Our package options:
- Premium
- Comprehensive
- Standard
Tenants
A tenant’s package is for a situation where you live in a building that you do not own – you rent
Our package options:
- Comprehensive
- Standard
Condo
Coverage for your Condo that is your primary residence.
Our package options
- Comprehensive
- Standard
Secondary Homeowners
A Secondary Home is a residence that is 4 season and is regularly occupied at least once per quarter
Our package options:
- Comprehensive
- Standard
Seasonal Dwelling
A dwelling designed for use in 2 or 3 seasons a year.
Our package options:
- Comprehensive
- Standard
Rented Dwelling
Coverage for a dwelling building that you own and rent to others.
Our package options:
- Comprehensive
- Standard
Frequently Asked Questions
How much home insurance do I need?
Much of the insurance you need depends on the replacement cost of the home, that is how much it would cost to rebuild the home in a total loss. Luckily for you, our agents have tools to help calculate this value.
Another factor to consider is the value of contents in the home. We often calculate this amount based on a percentage of the home value, however, if you have a high amount of expensive contents, like technology, you may consider either increasing the value of your contents or adding a personal contents floater.
Why do I need liability on both my home and auto insurance?
Liability simply is coverage against losses arising from injury or damage to another person or their property.
In terms of liability on your auto policy, it covers liability that occurs from the use of a vehicle. For example, you cause an injury to another in a car accident.
On your home insurance, the liability portion covers your property and any loss to another on or due to use of that property. For example if someone slips and falls on your front porch.
How can I lower my premium?
Tradition offers many discounts that you may be eligible for:
- Claims free
- Loyalty (being with Tradition for over 3 years)
- Having your auto or commercial policies with us as well
- Being mortgage free
- If this is your first home
- If you have a monitored alarm system
- If you have an automatic generator
How should I insure my valuable possessions?
You residential insurance does cover your valuable possessions, however, it may be for a special limit. A special limit is a stated amount in your policy wordings that outlines what we may pay on a loss for certain items. If you possession is more valuable than that limit than we suggest putting that item on a floater. The floater will allow you insure the item to it’s value.
Why does my premium increase every year?
Due to inflation, the value of your home increases every year, your premium is adjusted to ensure that it is still being insured to value.
As the market changes, the price of materials and cost to rebuild your home may increase.
Please note the information found on this page and site are just for general informational purposes and not meant to be part of any contract. Please speak to a licensed agent for advice regarding your insurance.