You can get exceptional value-added home insurance from The Co-operators at preferred group rates. No matter if you own or rent you home, we've got the right plan for you.

Depending on the type and amount of coverage you choose, home insurance shelters you from financial loss due to theft, unforeseen events such as fire or vandalism as well as personal liability that may occur if someone is injured while visiting your home. It can also protect you against liability for accidental damage to someone else's property.  

For more information about the importance of home insurance and types of coverage see Insurance 101.

Get a quote

Get a free, no-obligation quote online. Or, call 1-800-387-1963 and speak to one of our licensed insurance representatives.

Save more with discounts

Additional savings on our home insurance rates are available when:

• you have a claims-free rating,*
• your home has a centrally monitored burglar alarm system,* or
• your home has a centrally monitored fire and burglar alarm system.*

You could save even more when you insure both your auto and home with
The Co-operators.*

*Discounts, coverage and eligibility vary by province.

Value-added benefits

By being part of The Co-operators group insurance program, you'll get exceptional value-added benefits you may not get anywhere else.

Identity Theft coverage

All home insurance plans from The Co-operators — home, condo and tenants — include identity theft coverage at no extra cost.

Identity theft is the illegal use of personal information. It involves stealing the identity of another person usually for the purpose of financial gain or other criminal activity.

With this coverage, if you're the victim of identity theft:

• We reimburse you up to $10,000 for expenses associated with someone stealing and using your personal information for fraudulent transactions.
• You pay no deductible and it will not impact your claims free discount.
• Insured costs include legal fees, the cost of notarizing affidavits or sending certified mail, and earnings lost due to time away from work.

Tips to protect yourself from identity theft:

• Limit the number of credit cards you carry.
• Report unfamiliar charges on statements.
• Never leave receipts at bank machines.
• Shield the keypad when entering your PIN.
• Remove mail from your mailbox promptly.
• Destroy pre-approved credit applications.

Assistance services

With Group Home Assist, you'll have access to stress-free, around the clock, confidential emergency services at no charge. Features include

• home care availability,
• health care information,
• moral assistance,
• home repair referrals, and
• in Quebec, access to free legal advice.

To learn more, see Group Home Assist.

Automatic coverage for new purchases

Most insurable items you purchase will be covered automatically at no extra charge until your next renewal date. Just let us know. This includes a seasonal residence, jewellery, artwork and more.

Some exclusions may apply. Call 1-800-387-1963 to speak with a
licensed insurance representative.

Blanket Limit coverage

In the event of a partial or total loss to your home, you're covered. This coverage enables you to replace your building, contents, outbuildings and pay for any additional living expenses under one blanket limit of $1 million. Depending on the value of your home, you may qualify for a higher blanket limit.

Some conditions may apply; tenants polices are not eligible. Contact a 
licensed insurance representative at 1-800-387-1963 to learn more.

Extended Water Coverage*

Water-related losses are the most common type of home insurance claim. Water losses resulting from municipal sewer backups are on the rise. And, as Canada's sewer infrastructure ages, this trend will continue.

Protect yourself against water damage losses by adding Extended Water Coverage to your Standard, Broad, or Comprehensive home policy, seasonal residence and/or revenue property policy.

You can choose the coverage level, limit, basis of settlement, and deductible that best suits your needs.

Extended Water Coverage includes	Level 1	Level 2
Coverage for damage caused by water or sewage which enters your home through: Inside drains such as floor drains, sink drains and toilets Sump systems
Coverage for water or sewage which enters your home through doors or windows, for example and is caused by sudden and accidental back up or escape from: Sanitary sewers Storm sewers Septic systems Outside surface drains Inside downspouts

Some conditions and exclusions may apply. Call 1-800-387-1963 to speak with a licensed insurance representative.

*Extended Water Coverage is not available in Quebec.

Superior service  

You can always count on The Co-operators for fast, friendly, professional service whether it's on the phone or in person.

Our licensed insurance representatives will help you select the right insurance coverage and answer any questions you may have.

And when the unexpected happens, our claims service advisors are available to assist you 24 hours a day. Learn more about our OneStep™ claims service.

Flexible payment options

With our flexible payment options you can decide how you'd like to pay your premium, for example, by mail, credit card, or pre-authorized payment.

If you choose pre-authorized payment, you can select when and how often (e.g., weekly, biweekly, semi-monthly or monthly) you'd like to make payments.

Request a quote today!

Get a quote online or call 1-800-387-1963.