Own or rent, house or condo, we’ll work with you to customize your home insurance coverage*. Look forward to benefits like:

• Guaranteed replacement cost: If your home is destroyed, we will cover costs to rebuild it with materials of similar kind and quality, even if your policy coverage is less.
• Student away: If there’s a student in your family who’s away at school, your insurance extends to them and their belongings.
• Special limits: We offer some of the highest “special limits” insurance on items such as jewellery, collectibles or bicycles.
• Jewellery coverage: For an additional cost, you can choose to cover your individual jewellery items based on appraised value, not just replacement value.

Plus, you can save on your home insurance by taking advantage of discounts like:

• Personal Choice: Combine your home and auto insurance (available to Ontario residents only).
• Age of home discount: Varies by the age of your home.
• Claim-free discount: Applies if you have not had any claims in the past three years.
• Alarm system: Applies if you have a centrally monitored fire or burglar alarm system installed.
• Age discount: Be rewarded for your years of responsible living.
• Mortgage-free discount: Applies if you are mortgage free.

If you’ve ever had an accident, you know how important it is to have an insurance company that will help you get back on the road. That means choosing the right partner and the right policy. We’ll work with your insurance broker to make sure you have the auto insurance coverage you need.

Our unique rating structure combines your number of years licensed with the number of years you’ve been accident free, giving you our best price possible. We’ll help you save even more money with:

• Personal Choice: Combine your home and auto insurance for savings.
• Multi-vehicle discount: Save a minimum of 10%* for every qualified vehicle you include on your policy.
• Driving Record Protection**: For a small fee, you can add Driving Record Protection to your auto policy, which guarantees that your driving record will not change after your first at-fault accident. (Available for qualifying customers. Accidents resulting in a conviction classified as major or criminal do not qualify.)

Cottages, ski chalets, mobile homes, your home away from home. If you have a seasonal dwelling, we can help you protect it with seasonal property coverage. Talk to your insurance broker about coverage for your getaway.

Whether you’re exploring the back trails on your ATV or snowmobile, cruising winding roads on your motorcycle, or setting out on the lake, we have a solution to protect you.

• Watercraft: Adding coverage for your watercraft is easy. Just add it to your existing home policy (homeowner, condominium, tenant or seasonal homeowner policy) and you’re covered for damage due to accidents, storms, theft or vandalism.
• Vacation trailers: Protect your vacation trailer and its contents when it’s detached from your vehicle by adding coverage to your home policy.
• All-terrain vehicles/Snowmobiles/Motorhomes/Motorcycles: You may be eligible for a discount when you add coverage for your recreational vehicle(s) to your existing auto policy (check with your broker to see if your situation applies). And if you have our Personal Choice package (home/auto insurance combined), you could save even more!

Start saving right away with Personal Choice*^®.

By combining your home and auto insurance into one convenient Personal Choice package, you can enjoy extra savings on each policy in addition to other discounts such as age, multi-vehicle, claims-free, home alarm and more. Personal Choice is currently available only to individuals in Ontario.