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Personal Lines

Cumberland Mutual protects people. Our personal insurance products provide protection for homes, personal valuables, automobiles and more. With Cumberland you receive the flexibility to package a range of insurance coverages and the opportunity to achieve cost savings. Select one of Cumberland’s major lines of personal insurance products below for a description of what we offer:



Provides coverage for your dwelling, personal property and personal liability. Identity Theft Resolution Services also included.

Combination Dwelling

Provides coverage for a dwelling that you own and rent to others.


Provides coverage for your personal property and personal liability, if you rent a home or apartment. Identity Theft Resolution Services also included.


Provides coverage on contents and on any part of the building which the unit-owner is required to insure by written agreement with the condominium association. Identity Theft Resolution Services also included.

Personal Automobile

Provides coverage for your personal vehicles for damages and liabilities.

Personal Umbrella

Provides an additional $1 million to $5 million of liability protection.