Choose the right plan for your home

Protect all that home is to you with an insurance plan that is trusted by hundreds of thousands of other homeowners across Canada. Get a quote for home insurance right now to see how affordable great coverage can be.

All of our home insurance policies offer exceptional coverage, including:

• After-hours emergency service available 24 hours a day, seven days a week
• In-house claims experts to handle claims quickly and fairly
• Convenient payment options, including online payment and monthly plans
• Additional protection to prevent recurring damage after a claim with TomorrowStrong^TM‡ coverage.

If you are located in Quebec, visit our Quebec home insurance page.

Types of coverage

Prestige Plus: Personalized home insurance for your unique needs

Higher-value homes need specialized insurance because of their contents, customization, and features. Prestige Plus offers all of the coverage you need, plus all of the policy enhancements and valuable extras to fully insure your higher-value home and everything in it.

Prestige

With Prestige coverage, you get the most protection we offer for your home and personal property. Things like paint spilling on the carpet are covered. It's the best way to safeguard your home.

Classic

Classic coverage is for those looking for slightly lower premiums and not as much coverage as our Prestige plan provides. Our What's Covered page lists most of the items that are covered under your home insurance policy.

Home-based business coverage

If you already have home insurance with Co-operators, you may not need a separate policy for your home business; an extension to your existing home insurance policy may meet your needs. The following are just a few features of our home-based business coverage.

Business property

Business property includes items such as stock held for sale, samples, supplies, filing cabinets, computer and associated software, tools and more. It also includes your customers' goods. If you attend events such as trade shows or craft fairs outside your home, the $7,500 limit on items temporarily away from your premises covers your stock while it's being transported in your vehicle or while at the event.

• On premise: $30,000 limit
• Off premise: $7,500 limit

Loss of money

Covers up to $1,000 for any business-related cash lost on the property. 
 

Business continuation expenses

This covers you for up to $10,000 if your home becomes unfit to live in because of an insured loss. An insured loss can be anything you are covered for under your main home policy, such as fire or other insured property damage.

Business continuation coverage will compensate you for necessary expenses while continuing your business from another location. With this protection, you can keep your business operating and focus on your customers' needs.

Liability

Liability coverage insures your business against bodily injury or property damage relating to your company's products or services, as well as an accident or injury occurring on the premises, such as a messenger or customer visiting your home business and slipping on your steps.

More coverage is available under our home-based business package. Contact one of our financial representatives  to add it to your home insurance.