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Home insurance discounts and savings

Discover our discounts and tips to help you get the best price for your home insurance.

How to save on your home insurance

Several factors determine the price of your home insurance, such as your home's year of construction, its features, its distance from the nearest fire hydrant and fire station and your claim history.

Even though some of these factors are beyond your control, you can still save on your insurance premium with our discounts.

Our discounts and savings

Double Contract discount for home and auto

Bundle your home and auto insurance with us and save up to 15% on your home insurance. 1  You also get Desjardins legal assistance and the Trouble-Free Option® for free.

Learn more about the Double Contract discount

Water damage prevention

See how much you could save when you install one of these prevention systems:

  • A leak detection system with an automatic water shutoff valve: save up to 10% on your home insurance
  • Leak detectors connected to a central monitoring system: save up to 5% on your home insurance (you need at least 5 detectors to be eligible)
  • A pneumatic backflow system to prevent sewer backups: save up to 10% on the ground water and sewer backup optional coverage
Learn more about water damage coverage

Alarm system

Save up to 10% if you have a centrally monitored fire and burglar alarm system installed in your home.

Claims-free

Save up to 20% if you don't have any home insurance claims on file.

LEED-certified buildings

Save up to 10% on your insurance if your home is LEED® (Leadership in Energy and Environmental Design) certified.

Learn more about the LEED certification process External link.

AlertTM program

Save up to 10% on your home insurance by installing the wireless home security system and subscribing to the professional monitoring service offered by Roost®. Get alerts on your smartphone to help protect your home if smoke, a break-in, a water leak, freezing temperatures or a power outage are detected.

Learn more about the Alert program

3 tips to save on your home insurance premium

  • Choose a higher deductible if you're able to pay that amount out of pocket in the event of a claim.
  • Let us know if you've made any significant improvements to your property that could minimize the risk of loss or damage. Examples include roof repair or a new plumbing, electrical or heating system.
  • Keep your home smoke-free. If no one living in your home smokes, the risk of fire significantly decreases. This means you could enjoy lower home insurance rates. 

Did you know?

You can use BONUSDOLLARS® you've earned with your Desjardins credit card to pay for some or all of your insurance.

Get a home insurance quote

Online

Request a quote to get a price. If you're a condo owner or tenant, you may be eligible to buy your insurance online.

Get a quote

With a local Desjardins Agent

For personalized advice and coverage tailored to your needs, work with a Desjardins Agent.

See how an agent can help

Choose your home insurance coverage

Homeowners

Insure your home and belongings against the most common types of losses such as fire, theft and water damage.

House

Cottage

Condo

Tenant

Protect your belongings against the most common losses, such as fire, theft and water damage.

Tenant

Contact us

Client Relations Centre

Monday to Friday: 8 AM to 8 PM
Saturday: 8 AM to 4 PM 

1-888-277-8726 This link will launch your default phone software.

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. Certain 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. Trouble-Free Option ® is a registered 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. Alert TM is a trademark of Desjardins General Insurance Group Inc., used under licence. The Roost word mark and logo are trademarks of Roost, Inc., and have been registered in the United States and in certain other jurisdictions. BONUSDOLLARS ® is a registered trademark of the Fédération des caisses Desjardins du Québec.  Homeowners can save up to 10% and tenants and condo owners, up to 15%.