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Desjardins Insurance thinks of everything by offering you advantages and competitive prices for your home insurance

Available only in Quebec.


We think of everything by offering great savings on your home insurance premium.

See how you can save

How to save Savings and benefits
Live at the same address for at least one year
  • Save up to 15% on your tenant insurance
Insure your car and home with Desjardins Insurance
  • Save up to 15% on your property insurance premium with the Desjardins Double Contract Advantage
  • Pay only one deductible (the higher one) if the same event damages both your residence and your vehicle, while your vehicle is parked there
  • Get Desjardins Legal Assistance for free
  • Get the Trouble-Free Option® for free

More advantages

Available only in Quebec.

® Trouble-Free Option is a registered trademark of Desjardins General Insurance Group Inc., used under licence.


Basic coverage

Learn about the basic coverage we offer for your apartment.

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 overflowed 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, theft, vandalism, damage caused by wind, certain types of water damage, falling objects, and the impact of a vehicle hitting your apartment.

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 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 to your belongings 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

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 losses related to fuel oil leaks contamination

This option covers damage to your personal belongings in the event of a fuel oil leak or spill and additional living expenses if you have to relocate during the cleanup.

Protect your personal belongings against 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 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 alarm system and:

  • Save up to 10% on your property insurance premium
  • Save $1501 when you purchase a Chubb alarm system
  • You pay no deductible and your premium will not increase after a theft, break-in or fire that triggers your alarm system

Learn more

The Desjardins TelePrevention program is not available in certain areas of Quebec. Some conditions apply.

® 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.


Change to the Desjardins Alert program
The free water and freeze detector offer has ended, but support is still available for those already signed up for the program. A new prevention program for your home will be available soon.
Stay tuned!

Do you insure your home, condo or apartment with us? Sign up for the Alert program and receive a free water and freeze detector. It notifies you quickly, so you can act fast to prevent damage from water leaks or freezing pipes.

Learn more - Alert


Why choose Desjardins Insurance for your property insurance?

Simple solutions:

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:

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!

  • Our AlertTM program

    A new prevention program for your home will be available soon.Stay tuned!

    Learn more about Alert

  • Our Ajusto® program

    Get a more personalized auto insurance premium based on your driving behaviours and habits.Your safe driving could save you money!

    Learn more about Ajusto

  • Our online services

    Use your smartphone to view and edit your insurance file whenever you want.

    Visit our online services

Download the app today!

Works on Apple Watch with an iPhone

Not insured with us yet?

Get a quote from Desjardins Insurance today and start taking advantage of all we have to offer.

Some conditions, limitations and exclusions may apply.
Offer may be withdrawn without notice.
The information provided on this page is meant for informational purposes only.
The terms and conditions of the coverages described are set out in the insurance policy, which always prevails.
Desjardins Insurance refers to Desjardins General Insurance Inc.
Ajusto is underwritten by Desjardins Insurance which refers to Desjardins General Insurance Inc.
®Ajusto is a registered trademark of Desjardins General Insurance Inc.
TM Alert is a trademark of Desjardins General Insurance Group Inc., used under licence.
Apple, the Apple logo, iPhone and Apple Watch are registered trademarks of Apple Inc., registered in the United States and in other regions. App Store is a trademark of Apple Inc.
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