Best coverage to suit your home

Everyone’s home is special.  With that in mind, our policies provide peace of mind and protection for whatever type of home you live in.  For over 145 years, Bay of Quinte Mutual Insurance Co. has been offering a wide range of residential insurance protection that allows you to customize your homeowners package with the coverage you need while staying within your budget.


Vacation Properties

Tenants Package


Home Share

Our Residential policies offer protection for:

Your Home and Personal Belongings

Personal Liability

Small Structures Located on your Property

Identity Theft Protection

Additional Living Expenses Incurred as a Result of a Claim

Sewer, Septic Tank, Drain and Sump-Pump Backup

Special Coverages Related to Condo Ownership

Children Away Full-Time at College/University

Watercraft, Home Operated Businesses

Alternative Energy Systems, Homes Under Construction

We offer several ways to lower your premium:

Choosing a Larger Deductible

Customizing the Amount of Personal Property Coverage

Claims Free Discount

Mature Citizen Discount

Alarm System Discount

New Home Discount

First Home Discount

Standby Generator Discount

Require additional coverage? We can help!

Your broker can answer any questions, provide a complete list of coverages, and customize a package to suit your needs.

Our sole purpose is to serve
our policyholders.

Since 1874, Bay of Quinte Mutual Insurance Co. has been providing peace of mind and protection to policyholders in the communities of eastern Ontario.

We are community focused.  Our staff and directors live in your communities.  We employ local people, buy and invest locally and give back to the community.

We put you first every step of the way! Our purpose is to serve you, not earn a profit for shareholders.  We believe in personal service – a friendly person answers the phone, claims adjusters will assist you in person, not at a call centre.  Our loss prevention team will visit your property to help ensure your safety.


Find a broker or agent Meet our team
145 years experience
28 team members
17000 policies written

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