Our customers are all unique, so we’ve done the research to create home insurance packages that suit a range of needs and to make it simple for you to understand your coverage and features. Plus, we’ve made it just as easy to get a home insurance quote. You can do it online in just a few minutes. Enjoy the confidence that comes from knowing you can count on TD Insurance for Home Coverage and Enhanced Home Coverage for your home, condo or as a tenant. It’s a smart way to protect the place you call home. And just another way that TD Insurance has your back.
Protect your home and belongings with coverage that suits your needs. Most insurance policies set specific limits, but we have a better way:
Only TD Insurance offers the Million Dollar Solution®, so you can enjoy the flexibility of one overall amount of coverage for your home, belongings and additional living expenses. This covers the replacement or repair of your home and belongings. It also covers your extra living expenses, so you can stay somewhere comfortable if you can’t stay in your home. Ready to get the coverage that’s right for you? Get a home insurance quote today.
Home Coverage for your house
It’s not just your house, it’s the place you call home. That’s why we cover:
All risks: Covers your home and belongings against all causes of loss—except those directly mentioned as exclusions in your policy.
Water damage coverage*: Be protected with additional coverage for your home from extensive water damage from a variety of water-related scenarios. Covers events which cause water damage by sewer back up and sump overflow, below ground seepage through foundations and floors, and overland water from any stream or body of freshwater which enters the home.
Extended Water Damage Coverage: Get extra coverage against water backing up from sewers or septic tanks and against overland water from any stream or body of freshwater which enters the home.
Rebuilding to code: Additional costs to repair or rebuild your home to code are covered up to the amount of coverage.
Personal liability: You’re protected in case a visitor gets injured inside your home, or if you’ve accidentally damaged someone’s property and have to pay for the damages.
Additional living expenses: Includes temporary accommodations so you can stay somewhere comfortable if you cannot stay at home.
Legal and home assistance*: Bundled Home & Car insurance comes with free advice from lawyers and a network of home contractors.
Your condo corporation’s insurance generally covers the main structure and common areas. But some items are your responsibility, such as your belongings, any unit improvements and betterments, loss assessments, etc. Our Global Amount Coverage is designed to fill these gaps. We'll work with you to determine an appropriate limit for your belongings and then provide 10x that amount for unit improvements and betterments, loss assessments and additional living expenses.
Home Coverage for your condo
Feel confident your condo is protected with home coverage for your condo.
All risks: This covers your home and belongings against all causes of loss—except those directly mentioned as exclusions in your policy.
You’re protected in case a visitor gets injured inside your home, or if you’ve accidentally damaged someone’s property and have to pay for the damages.
Additional living expenses: If you can’t live at home while repairs are being made because of a claim, we’ll cover your temporary additional living expenses.
Unit Improvements: You’re covered for any upgrades made to your condo since it was built.
Loss assessment: Covers your portion of any shared costs that occur as a result of an eligible loss assessment by the condo corporation.
Common areas: We’ll protect you against liability for any major repairs to common areas.
Legal and home assistance*: Bundled Home & Car insurance comes with free advice from lawyers and a network of home contractors. Learn More
Enhanced Home Coverage for your condo
In addition to the coverage above, you can get Enhanced Home Coverage for even more protection for your condo:
Family coverage : Offers protection for situations like cyberbullying and parents living in nursing homes. Learn More
Eco-efficient rebuild: Provides additional coverage above and beyond the cost of repairs to allow for eco-efficient upgrades following a covered loss. Learn More
Claim forgiveness : Your premium won’t increase at renewal just because you submitted a claim. Learn More
Enhanced limitations: Increase the amount of coverage for high-value items, such as fine art, wine, spirits, some collectibles, jewellery and more.
Boost your coverage with optional add-ons
Customize your condo insurance to suit your unique needs and preferences with additional add-ons.
Settle Your Way
Choose to repair/replace or settle in cash without deduction for depreciation.
Home insurance isn’t just for homeowners. Tenant insurance, also known as renter's insurance, covers your belongings, including your furniture, electronics, and jewellery, when you're renting. You'll also receive additional coverage benefits such as personal liability, additional living expenses and much more.
1In order to be eligible for the Buy Online Discount for home or car insurance, you must meet eligibility requirements to buy home or car insurance online and complete your purchase of this insurance online. Note: You may not always be given the option to buy online. This may occur, for example, if information provided requires additional verification or if your purchase must be completed with an advisor based on your specific insurance needs. If you are unable to buy online, we encourage you to call and speak to one of our licensed advisors or let us call you!
Offers may be changed, withdrawn or extended at any time without notice.
210% Home Insurance Savings (not available in Quebec)
10% savings off eligible coverage in the first policy term is derived from a combination of two separate discounts:
- a 5% Digital Discount for completing the home, condo or tenant insurance quote online. This Digital Discount will continue to be applicable upon policy renewal.
- 5% Buy Online Discount in the first policy term for completing the home, condo or tenant insurance purchase online. Both the Digital Discount and Buy Online Discount are applicable to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Overflow or Escape.
35% Savings on Home Insurance (Quebec only)
Home Insurance: A Buy Online Discount of 5% in the first policy term will be applied to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Oil Overflow or Escape
The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.
In the case of conflict between the content on this page and your policy wordings, your policy wordings shall take precedence Please speak to an Advisor or consult your policy wordings for further details.
Where applicable. Car insurance not available in British Columbia, Manitoba, or Saskatchewan.
†Savings apply to premiums charged for base contract and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Overflow or Escape.
TD Insurance (Corporate Secretariat)
50, Place Crémazie
Montreal (Quebec) H2P 1B6"