Home insurance for members
Members can save on home insurance with preferred group rates and discounts. Get a quote and protect your home, condo or apartment, and everything in it.
Why choose Co-operators for home insurance?
One-of-a-kind flood coverage
Protect your home from water damage caused by flooding with our industry-leading optional flood coverage.
Disappearing deductible
If you have a deductible of $1,000 or more, it will “disappear” by $100 each year you stay claims-free, all the way down to $0.
On-demand legal assistance
Legal help is free and convenient when you insure your property with us. Call our Legal Assistance Helpline at 1-855-953-1431 any time you need general legal support.
Affordable insurance for home and condo owners
Most policies include the following coverage on top of basic home or condo protection.
Coverage for all the belongings you keep in your home.
This coverage helps you and your family pay for unintentional damage to another person’s property, or their medical fees if they get hurt.
If you need to move out of your home while it’s being repaired after a claim, we’ve got you covered.
Protect your home and belongings against water damage from storm surge, sewer backup, or overflowing body of water. Learn more about Comprehensive Water.
Get extra help to pay for repairs if you have to bring your home up to current bylaw standards after it’s damaged.
Top up your home and condo coverage
Maximize your coverage with add-ons that fit your lifestyle.1
Claim Forgiveness
With this coverage on your policy, we’ll “forgive” your first claim on your principal residence, which means your premiums won’t increase.
Earthquake Damage
This coverage extends your policy to cover damage caused by earthquakes.
EnviroguardTM
Get up to $50,000 to repair your home with environmentally responsible materials.
Discounts for home insurance
Monitored systems
Enjoy savings when you protect your home with a water, fire or burglary alarm.
Claims-free
Save on premiums when you haven’t made any claim on your home for at least 5 years.
New construction homes
New construction builds may qualify for additional home discounts.
Helpful resources
Earthquake protection basics
Find out if you need protection from damaged caused by both naturally occurring earthquakes and those resulting from man-made causes, like fracking or mining operations.
All about condo insurance
Learn about what’s covered by your condo corporation, and what you need covered by your individual policy.
Top tips for a stress-free renovation
Prepare your home or condo for your next renovation while protecting your investment.
Talk to us today
Our licensed insurance representatives can help you build a personalized home insurance package that fits your needs.
1 Coverage and products listed may vary depending on province. For complete coverage details, limitations and exclusions, please review your insurance policy. Your insurance policy will vary by province and will be used to determine whether or not, as well as the extent to which, benefits will be payable.
This website contains general information. Your insurance policy prevails if there is a discrepancy in the information presented.