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Home insurance: Protection for the unexpected
With home insurance that's tailored to your home, condo or apartment, you get the protection you need against loss or damage to your property and belongings.
We have insurance products and discounts to meet your needs. Get an online quote to find the right coverage for you.
Save on your home insurance
We have discounts and offers to get you a better price for your home insurance. Find out which ones you qualify for.
Double Contract discount for home and auto
Get up to 15% off your home insurance1 by bundling your home and auto policies with us.
Other savings and discounts
Water damage prevention
Protect your home from water damage
Choose among 4 optional coverages to insure your home against different types of water damage.
Choose your coverage
How the claims process works
In the event of a loss, you can file your claim online, in the Desjardins Insurance Home-Auto mobile app or by phone 24/7. We're here to guide you every step of the way.
Manage your insurance online
Log in to Online Services or our app to easily manage your insurance anytime, anywhere.
- View your insurance documents
- Update your payment preferences
- File a claim
- Access our loss prevention tools, such as Radar™
Download the Desjardins Insurance Home-Auto app
Get help from a local Desjardins Agent
Work with a Desjardins Agent in your area for your insurance and financial needs.
- Direct line of communication
- Advice based on your lifestyle and goals
- Personalized management of your file
- Long-term relationship
Get a home insurance quote
Answer some questions to see your rate. If you're a condo owner or tenant, you may be eligible to buy your insurance online.
Your home insurance premium is the price of your insurance. It's the amount you pay monthly or annually to maintain your coverage.
Your home insurance policy is the contract you have with your insurer. It outlines what situations and losses are covered by your insurance.
Your deductible is the amount you have to pay out of pocket when you make a home insurance claim. Example: Let's say you have a $500 deductible, and you incur a loss that's covered by your policy. If the repairs cost $5,000, you pay the first $500 and your insurance pays the remaining $4,500.
An endorsement is a change to your home insurance policy, such as the addition or removal of coverage.
For example, above-ground water and weight of ice, snow or sleet (Endorsement 42) coverage extends your protection in the event of sudden or accidental damage caused by the weight of snow or ice as well as rain or melting snow seeping in above ground through places like the roof, doors or windows.
Premium increases could be due to reasons under your control, such as:
- You purchased valuable items
- You had major renovations done that impact the cost to rebuild your home
- You changed how you use your home
- You bought an older home or have not renovated in many years
- You filed a claim
It might also go up for other reasons, such as:
- Climate change
- Rising costs of materials and labour
- More frequent and costly water damage
Damage insurance products are underwritten and distributed by Desjardins General Insurance Inc., provider of automobile, property and business insurance.
The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Some conditions, exclusions and limitations may apply.
Online insurance purchase is available subject to our underwriting policies.
Savings and discounts are based on each client's individual profile and are subject to eligibility conditions. Rates and discounts are subject to change without notice.
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Radar™ is a trademark of Desjardins General Insurance Group Inc., used under licence.
LEED® is a registered trademark of the U.S. Green Building Council, licensed by the Canada Green Building Council for use in Canada.
1. Homeowners can save up to 10% and tenant and condo owners can save up to 15%.