General Information


Umialik can protect many styles of homes, whether a primary residence or a lake home.

We focus on protecting individuals and families with the right coverage.

What has Changed
Penalty-Free Homeowners Select Home Signature Home
Product Description New business policies seeking the Penalty-Free Promise can be written into Signature Home. The Penalty-Free Program will remain for existing policyholders only. Umialik's Select Home product includes rating for prior claims and broader eligibility designed to bring more flexibility to our Home product. The Umialik Signature Home product includes the Penalty-Free Promise for which we've long been known for. One will never pay a higher rate as the result of claims.
Penalty-Free Promise Included Not Available Included
Additional Coverage A Replacement Cost Options 125% Select Homeowners Available
150% Preferred Homeowners Included 		Optional Limits Available
  • 125%
  • 150%
  • Guaranteed
Water / Sewer Backup Limits up to $25,000 Limits up to $100,000
Boats and Snowmobile Coverage Available Refer to Watercraft or Road & Trail policy
Featured Benefits
Penalty-Free Promise Common Loss Deductible Additional Coverage to Replace Your Home
The Penalty-Free Promise is available with our Signature Home product providing that peace of mind knowing one will never pay a higher rate if an unfortunate occurrence results in a claim. You pay only one deductible (the highest applicable) whenever an incident involves more than one Umialik personal insurance policy. If the cost to repair or replace your home exceeds the limit purchased, a limit of 125%, 150%, or guaranteed replacement coverage is available.
More Flexibility and Options
Sewer and Water Backup Coverage Cyber Liability Equipment Breakdown Underground Service Line Coverage
Limits available up to $100,000. $10,000 or $25,000 available coverage for Data Recovery and System Restoration, Cyber Crime, Cyber Extortion, Cyber Bullying, and Breach Notification Cost. Provides $50,000 of available coverage for breakdown of appliances and other residential equipment. $10,000 of available coverage to replace or repair exterior service lines that fail or are damaged.