Welcome to PEI Mutual, your trusted partner in protecting your home. Our customized home insurance policies are built to give Island homeowners like you the security and peace of mind you deserve. Your home is your sanctuary, a place where life unfolds, and memories are made. That's why having the right insurance is crucial. It shields you from the financial impact of unexpected events, such as hurricanes, natural disasters, or accidental damages.
Choose PEI Mutual for comprehensive coverage that matches your unique needs, ensuring your home stays safe and sound. PEI Mutual Insurance Company, Protecting Each Other Since 1885.
Discover Your Perfect Insurance Fit: Bronze, Silver & Gold Coverages
At PEI Mutual, it's easy to find your perfect insurance fit with our tailored coverage plans. Whether you're seeking basic protection or comprehensive peace of mind, our Bronze, Silver, and Gold packages are thoughtfully designed to meet your unique needs. Explore the features of each plan below to find your ideal insurance solution.
Gold Coverage: Ultimate Assurance
For the ultimate in security and comprehensive coverage, our Gold package leaves no stone unturned. Incorporating all perils covered under Bronze and Silver, Gold introduces our exclusive Gold Peril for unparalleled protection, along with the widest range of optional coverage extensions. Gold offers:
- All Bronze and Silver Coverage Perils
- Gold Peril: Covers all direct physical causes of loss or damage, with specific exceptions for the most comprehensive protection
- The most extensive list of Optional Property Coverage Extensions for tailored protection that goes beyond the standard
Silver Coverage: Enhanced Security
Step up to Silver for broader protection and added peace of mind. Including all Bronze features, Silver extends coverage to additional perils and offers more optional property coverage. Silver includes:
- All Bronze Coverage Perils
- Transportation-Related Damages
- Electrical Damage
- Building Collapse
Bronze Coverage: Essential Protection
Our Bronze plan offers a solid foundation of coverage, ensuring you're protected against the most common perils. Ideal for those seeking essential insurance without the extras, the Bronze package includes:
- Fire or Lightning
- Explosions, Falling Objects
- Impacts from Aircraft or Land Vehicles
- Riots, Water Escape and Freezing
- Smoke Damage
- Windstorm or Hail
- Vandalism or Malicious Acts
- Theft, including Attempted Theft
- Escape of Fuel Oil, Accidental Glass Breakage
Choose Your Coverage
Whether you prefer the straightforward protection of Bronze, the enhanced security of Silver, or the all-encompassing assurance of Gold, we have you covered. Each tier is designed with your needs in mind, allowing you to select the level of coverage that best aligns with your lifestyle, budget, and preferences. Secure your peace of mind today with PEI Mutual Insurance.
Safety Tips
Preparing for the Storm: Essential Hurricane Preparedness Tips
September and October are always a good time to make sure you’re ready for when the next storm comes our way. Extreme weather events like hurricanes can disrupt daily life and pose risks to homes, property, and personal safety. By taking steps to prepare in advance, you can reduce the potential impact on your family…
Is your basement at risk of water damage?
“I’ve never had water in my basement before!” – A common sentiment from homeowners, but basements are always at risk of water damage. How to Reduce Your Risk of Basement Flooding: 1. Install a Sump Pump Plug directly into a dedicated electrical outlet (no extension cords). Ensure a backup power source (battery or generator) is…
Smoke Alarms
This information provides essential guidance on how to properly install and maintain smoke alarms for fire safety. Here are the key points: Installation of Smoke Alarms: Place smoke alarms outside every sleeping area, on every level of the home, and at the bottom of the basement stairs. If bedroom doors are closed at night, install…
Heating Your Home Safely
Prevent Injuries and Deaths from Improper Heating Unit Use Deaths and injuries from the careless use and improper installation of heating units can be prevented! Follow these basic rules to avoid the risk of personal injury or property loss. Consult a heating expert to help you choose the safest, most efficient, and economical unit for…
Fire Safety Tips for Students
Are you living away from home for the first time—whether in a residence, shared house, or your own apartment? If so, don’t become a statistic! Every year, accidents or negligence cause 83% of all residential fires, leading to millions of dollars in property damage, burn injuries, and deaths. These tips could save your life: Smoke…
Fire Hazards in the Home
Fire Hazards in the Home FACT: Seven out of ten fires occur in the home. Kitchen Safety Remove pots and pans from burners when not in use to avoid accidentally turning on the wrong burner. Unplug kettles, frying pans, and other small appliances when not in use. Do not hang clothing above the stove to…
