Discounts on home insurance
Find out how to get the best prices on home insurance.
How to save on home insurance
Already insured with us? Talk to your financial representative to make sure you’re already getting all the discounts you’re eligible for.
| Discount | Description |
|---|---|
| Claims-free credit | Ask about this credit if you’ve never made a claim. |
| Mortgage-free discount | Homeowners who do not have a mortgage or secured line of credit on their home may qualify for a discount. |
| Multi-product discount | If you purchase other lines of insurance with us, such as an auto or life policy, you may qualify for our multi-product discount. |
| Non-smokers | Get a discount if all members of your household, including live-in employees, are non-smokers |
| Protection system discount | Having an approved burglar or fire alarm on the premises will also save you money. Under condominium or tenant insurance, the alarm must be inside the unit to qualify. |
| Automatic fire sprinkler discount | Having a professionally installed and fully operational fire sprinkler system on the premises can save you money. |
| Automatic water shut-off discount | Having a professionally installed and fully operational water shut-off system on the premises will also save you money. |
| Sustainability discount | Our Envirowise™ discount offers savings for owners of eligible Leadership in Energy and Environmental Design (LEED) certified homes. Condominium unit owners or tenants may also qualify for Envirowise. We also offer FireSmart discounts for protecting your home from wildfires. |
| Loyalty discount | Been with us for a while? This discount is our way of saying thanks.
|
| New home* |
A discount may apply based on the age of the dwelling. |
| Mature client discount |
If you're 55 years of age or older, you can save on your home insurance premium. Homeowners, tenants and condominium unit owners all qualify. |
| Co-operative housing discount* |
Members of co-operative housing developments qualify for a discount on their personal property premium. |
*Not available in Quebec.
Have a question about discounts?
Your financial representative can help you understand what discounts you qualify for and make sure you’re getting the best price. Not a client yet? Call 1‑877‑545‑2667 or find a financial representative.