Homeowner insurance
It’s more than just a house – it's your home
With homeowner insurance, you have peace of mind that if the worst happens, like a flood or a break-in, you’ll always have the right coverage to help you recover.
How does homeowner insurance protect you?
Protect the exterior of your home, the items inside of it, and more. Explore our full coverage details. For Quebec clients, explore our Quebec coverage details.
Damage coverage
Protect your home from damage such as fire or hail, and basic water damage like a leak from a broken pipe.
Personal items
Cover the costs of replacing any of your items that get damaged or stolen like furniture, computers or bikes.
Liability coverage
Cover accidental damage to property not owned by you or unintentional injury to others.
Identity fraud protection
If you’re the victim of identity theft, we’ll provide up to $10,000 in fraud recovery expenses.
Add on to your protection
Depending on where your home is located or the value of the items you own, you might want additional coverage. We offer customized coverage for all budgets and lifestyles. To learn more, or to discuss personalized home insurance needs, get in touch with a financial representative.
Protection from sudden and accidental water damage caused by:
- Water, septic or sewer backups
- Storm surges
- Waves from a storm or hurricane
- Flooding from any body of water
- Water from extreme weather
- Rising of the water table
With Enviroguard®, we’ll cover an additional 10% of your claim, up to $50,000, to repair or replace property with more environmentally responsible alternatives.
Extend your policy to cover damage caused by earthquakes.
Here are some easy ways you can save on the coverage you need.
Combine your insurance
Enjoy discounted coverage when you bundle your home and auto insurance, or when you insure more than one home with us. Learn more about bundling.
Stay claims free
If you've never made a claim while covered by home insurance, you may be eligible for an automatic discount.
Increase your deductible
Increasing your deductible can help lower your premium. Plus, any deductible over $1,000 will “disappear” by $100 each year you stay claims-free.
Find even more ways to save
There’s plenty you can do to save on your insurance. Talk to a financial representative or check out even more of our home insurance discounts.
Our base home policy package includes basic water damage protection, for damage from things like a leaking pipe. We offer additional comprehensive water damage protection to cover damage from things like sewer back-up, flooding, and more. Learn more about our comprehensive water protection .
You will need separate home insurance for your second home.
For reference: We classify a second home as a property that’s used throughout the year, not just for recreation (like a seasonal home), and wouldn’t be vacant for more than 5 days. For example, a condo in the city you use during the work week but leave empty on the weekends would be considered a secondary home.
Ready to get a quote?
It only takes a few minutes to get your personalized quote for home insurance online.
You can also call 1‑877‑545‑2667 or find a financial representative.
