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Desjardins Insurance thinks of everything by offering you advantages and competitive prices for your home insurance
- Take advantage of our all-risk insurance - External link. This link will open in a new window. which covers most types of accident
- Customize yourhome insurance with our additional coverage
- Enjoy great savings
- Manage your home and auto insurance easily with the Desjardins Insurance Home-Auto mobile app - External link. This link will open in a new window.
- Get free, personalized mobile alerts from Radar if there's a major weather system that could cause damage to your home or property.
Available only in Quebec.
Savings
We think of everything by offering great savings on your home insurance premium.
See how you can save
How to save | Savings and benefits |
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Equip your home with a centrally monitored fire and theft alarm system |
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Sign up for our exclusive TelePrevention® program |
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Install a water damage prevention system with an automatic water shut-off valve |
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Own a LEED-certified building |
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Be claims-free |
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Insure your car and home with Desjardins Insurance |
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More advantages
- Get free Desjardins Identity Theft Assistance when you insure your house with us.
Available only in Quebec.
® Desjardins TelePrevention is a registered trademark of Desjardins General Insurance Inc.
® The Trouble-Free Option is a registered trademark of Desjardins General Insurance Group Inc.
Coverages
Basic coverage
Learn about basic coverage - External link. This link will open in a new window. for your house.
Get coverage for damage accidentally caused to others
Liability coverages protect you against bodily injury or property damage you may involuntarily cause another person. It protects you if you're responsible for accidentally injuring someone else or damaging their property.
Most policyholders opt for $1 million in liability insurance coverage. You may, however, increase this amount to up to $5 million under certain conditions.
In context
Sophie was running a bath for little Emma when the phone rang.
When she returned to the bathroom, water had overflow from the bath and leaked into Mr. Brown's residence below, damaging the ceiling.
The damage was estimated at $8,700.
Fortunately, Sophie's home insurance policy included liability coverage.
All-risk insurance covers most accidents that could damage your property, including:
fire - External link. This link will open in a new window., theft - External link. This link will open in a new window., vandalism, damage caused by wind, certain types of water damage, falling objects, and the impact of a vehicle hitting your house.
An all-risk policy also covers accidents people don't usually think of when buying insurance.
And although all insurance policies—including all-risk policies—contain exclusions for situations such as normal wear and tear, gradual deterioration, mechanical failure and flooding, some of these risks can be insured with additional coverage.
In context
While doing his laundry, Simon knocked over some bleach, spilling it on the floor and some clothes.
Not only were his clothes ruined, his wood floor was seriously damaged! Because it was an accident, his all-risk home insurance covered the damage.
Additional coverage
Add additional home insurance coverage - External link. This link will open in a new window. for your specific needs. Desjardins Insurance also offers a full range of water damage coverages to give you even more peace of mind.
You can add additional coverage to your policy to protect you against water damage caused by surface or ground water including:
- Sewer back-ups
- Seepage or influx of water from natural sources through basement walls, doors or other openings
In context
When Sophie got home, she noticed that heavy rainfall had caused the sewer to back up.
Not to worry! When she insured her home, Sophie purchased sewer back-up coverage, opting for $10,000, which corresponds to her needs.
Sophie called Desjardins Insurance immediately, and we took care of everything. The damage was estimated at $7,000, but all she had to do was to pay the deductible.
This coverage offers protection against sudden and accidental damage to insured property caused by:
- Water that reaches the premises and that originates from the rising or overflow of a body of water or from a dam break
- Impact by water-borne objects that reach the premises, including ice
This coverage protects you against damage caused by:
- The entrance or seepage of rain or snow through walls, roofs or doors, windows and similar openings
- The discharge, backing up, escape or overflow of water from an eavestrough or downspout
- The weight of ice, snow or wet snow
This protection covers:
Tear out and replacement costs required to repair the broken or malfunctioning water service pipe to prevent damage to your property.
Frost or the weight of ice or snow are just some of the threats that can damage your pool or hot tub.
You can add extra coverage to your basic insurance to protect:
- Your above ground or semi-inground swimming pool, including equipment, accessories, and attached patios that are not connected to the house
- Your inground swimming pool or hot tub, including equipment, accessories, and attached patios that are not connected to the house
In context
John's pool didn't make it through the rigours of the past winter. Fortunately, his home insurance covered the damage, because John had wisely decided to tailor his policy to his needs, adding additional coverage for his pool.
Avoid costs related to soil contamination
This coverage provides protection against environmental risks associated with fuel oil.
In addition to covering your personal belongings in the event of a fuel oil leak or spill, this new option covers:
- Soil decontamination
- Civil liability, if you're a homeowner
Check to see if you're eligible
To be fair to our clients who heat with oil and to offer this coverage at the lowest possible rate, certain eligibility conditions apply.
For example, fuel oil tanks can't be insured if they show signs of corrosion, aren't properly installed, or are too old.
In context
When Hugo got home, he noticed that the supply line to his fuel oil tank had ruptured. Oil had spilled and seeped into the concrete floor, contaminating the soil.
After the cleanup, he was glad he’d added additional fuel oil coverage to his insurance policy, because fuel oil spills can be very expensive.
Protect your home against ground movements caused by earthquakes
This endorsement protects your property against damage in the event of an earthquake as well as damage caused by ground movements—including avalanches and landslides—that occur during earthquakes.
Note: Endorsement 22b, Fire, Explosion and Smoke Damage Resulting from an Earthquake is automatically added to the home insurance policy.
Personal watercraft, canoes, kayaks and more
Being well protected means being well informed. Contact an insurance agent - External link. This link will open in a new window. for more information or to get a quote.
Desjardins TelePrevention is an exclusive program for our home insurance policyholders
Equip your home with a centrally monitored Chubb - External link. This link will open in a new window. alarm system and:
- Save up to 15% on your property insurance when you have a centrally monitored fire and theft system
- Save $1501 on the cost of a centrally monitored alarm system
- You pay no deductible and your premium will not increase after a theft, break-in or fire that triggers your alarm system
The Desjardins TelePrevention program is not available in certain areas of Quebec. Some conditions apply.
® Desjardins TelePrevention is a registered trademark of Desjardins General Insurance Inc.
1. This $150 offer may be cancelled without notice. The reduction applies to the amount after taxes.
A home insurance quote tailored to your needs !
Customize your home insurance with our online quote by:
- Changing your liability amount
- Changing your deductible
- Adding water damage option
- Adding earthquake coverage
Available only in Quebec.
Alert
The Desjardins Insurance Alert program comes with free peace of mind
Do you insure your home, condo or apartment with us? Sign up for the AlertTM program and get a free water and freeze detector. It notifies you quickly, so you can act fast to prevent damage.
Radar
Get notifications about extreme weather thanks to Radar
With RadarTM, offered by Desjardins Insurance, you can get personalized alerts if there's a major weather system that could damage your property at one of your watch locations.
Advantages
Why choose Desjardins Insurance for your property insurance?
Simple solutions:
- The Desjardins Insurance Home-Auto mobile app lets you manage your insurance easily and access all your services
- Radar, a new feature on our mobile application, sends notifications if there's a risk of major weather at one of your watch locations. This can help you prevent damage to your home and property.
- The Alert program, available on the mobile app, means you can act fast to limit the damage of a water leak or frozen pipe and avoid the disruption of a loss
- Our secure Online Services - External link. This link will open in a new window. let you view and modify your insurance online, via AccèsD - External link. This link will open in a new window. or with the mobile app
Competitive prices:
- We’re one of the biggest car and home insurers in Quebec—our business volume means you get competitive rates on your home insurance
- You can save even more with our discounts.
Great coverage:
- All-risk insurance - External link. This link will open in a new window., which covers most types of accident
- You can customize your home insurance with additional coverage
More accessible services:
- You can contact us at your caisse, by phone or online
- Our Claims team takes care of you in the event of a loss
- Expertise and advice—you're in good hands with our helpful customer service agents
Available only in Quebec.
Mobile app
The Desjardins Insurance Home-Auto app makes it easy to manage your insurance and access the services you’ve signed up for. Download it today!
New! RadarTM
Be the first to know about weather risks thanks to Desjardins Insurance's Radar! Get personalized alerts if there's a major weather system expected at one of your watch locations, so you get a heads-up to prevent certain damage.
AlertTM program
Get peace of mind with a water leak and freeze detector—free for our home insurance clients.
Ajusto® program
Your good driving habits could save you up to 25% on your car insurance.
Our online services
Use your smartphone to view and edit your insurance file whenever you want.
Visit our online services - External link. This link will open in a new window.
Download the app today!
Works on Apple Watch with an iPhone
Learn more!

Not insured with us yet?
Get a quote from Desjardins Insurance today and start taking advantage of all we have to offer.
TM Radar is a trademark of Desjardins General Insurance Group Inc., used under licence.
TM Alert is a trademark of Desjardins General Insurance Group Inc., used under licence.
Ajusto is underwritten by Desjardins Insurance which refers to Desjardins General Insurance Inc.
® Ajusto is a registered trademark of Desjardins General Insurance Inc.
® Desjardins TelePrevention is a registered trademark of Desjardins General Insurance Inc.
The discount does not apply to certain endorsements and additional coverages. Subject to the terms of use in effect at the time you signed up for Ajusto.
Apple, the Apple logo and iPhone are registered trademarks of Apple Inc., registered in the United States and in other regions. App Store is a service mark of Apple Inc.
Google Play, Google Play logo and Android are trademarks of Google LLC.
The terms and conditions of the coverages described are set out in the insurance policy, which always prevails.
Conditions, exclusions and limitations may apply.
Desjardins Insurance refers to Desjardins General Insurance Inc.