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Get home insurance in minutes‡

Save 10% off your first policy term1 when you quote and buy home, condo or tenant insurance online.

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Why Canadians choose TD Insurance for their home insurance

  • Million Dollar Solution®

    With our Million Dollar Solution®, enjoy the flexibility of one overall amount of coverage for your home, belongings, and additional living expenses and avoid gaps in your amounts of coverage.

  • Claims Free Reward

    Save an average of 25%3 if you’re a new claims free home insurance customer. The longer you stay claims free, the greater the reward.

  • Repair warranty

    If you choose to use our network of vendors, you’ll receive a 3-year workmanship warranty for completed repairs covered by the claim†4.

Ways to save on home insurance

  • Save 10% when you buy online1

    Get extra savings when you quote and buy home insurance online.

  • Bundle and save

    Alumni and professionals who bundled their home and car insurance saved an average of $1,870 per policy term.2

  • Newly built home savings

    Take advantage of savings if your home is 5 years old or less.

  • Multi-home savings

    If you’re insuring multiple homes, you can save even more.

  • Install a home security system

    Save when you have a connected alarm for water leaks, fire or theft.

  • Group preferred rates

    Get preferred insurance rates when you are a member of certain alumni and professional associations, and employer groups.

Choose the coverage that’s right for you

  • Standard coverage

    Standard coverage that protects you against most common causes of loss or damage.

    • All risks
      Covers your home and belongings against all causes of loss except those directly mentioned as exclusions in your policy.
    • Extended water damage coverage
      Stay protected with additional coverage for extensive water damage from a variety of water-related scenarios.†
    • Rebuilding to code
      Additional costs to repair or rebuild your home to code are covered up to the amount of coverage.
    • Personal liability
      Protection in case a visitor gets injured inside your home, or if you've accidentally damaged someone's property and must pay.
    • Additional living expenses
      Includes temporary accommodations so you can stay somewhere comfortable if you can’t stay at home.
    • Legal and home assistance
      When you bundle home and car insurance, you’ll get free legal advice from lawyers and access to a referral network of trusted service providers. ††

  • Enhanced coverage

    Get higher amounts for special limitations on value items and specific extensions of coverage. You’ll receive more details about these additional coverages in your home quote.

    • Family coverage
      Protection for situations such as cyberbullying and parents living in nursing homes.
    • Eco-efficient rebuild
      Provides additional coverage above and beyond the cost of repairs to allow for eco-efficient and resilient material upgrades following a covered loss.
    • Claim Forgiveness
      When your policy renews, your premium won't increase after you make your first claim.
    • Enhanced limitations
      Increases the amount of coverage for high-value items, such as fine art, wine, spirits, some collectibles, jewellery and more.

Customize your home insurance to meet your unique needs and requirements.

  1. Above-ground water damage

    Get coverage for damage caused by water that enters through the roof, walls, doors and windows.

  2. Settle Your Way

    Choose to rebuild at a different location or buy different items rather than replace the ones you currently have.

  3. Cover your personal valuables

    Get extra coverage for valuable items, such as jewellery.

  1. Identity theft recovery

    We can help recover your stolen identity and will cover the associated costs up to the amount of coverage provided.

  2. Personal Umbrella

    Get more liability coverage with increased limits to your home and car policies.

  3. Home sharing

    If you’re sharing your home occasionally as a short-term rental, we may have the coverage you need.

Get a Quote

Steps to buy home insurance online

  1. Start your quote

    Begin by answering a few questions, rest assured the process is confidential. With your information we’ll be able to:

    • Recommend coverage based on your responses
    • Determine the discounts available to you
    • Give you the most accurate quote possible

  2. Customize your options

    Once your quote is complete, we’ll provide recommended options based on your responses. You’ll be able to:

    • Adjust your deductible amounts
    • Alter your coverage limits
    • Proceed with buying online

  3. Payments, coverage and purchase

    When you’re satisfied with your coverage, you can:

    • Review your payment options
    • Confirm payment method
    • Review your summary

We're always available to help with your insurance needs

Convenient online services for home and auto

    Review and manage home and auto coverage

   Make payments and manage billing

   Access your insurance documents

   Change vehicles, drivers, coverage and more

Log in or register

Rated one of the top Home and Auto Insurance apps in Canada

    Billing and payments

    View and manage your policies

    Download your pink card

    Start and track a claim

Download the app

Simple claims services for home and auto

    Start a claim through the TD Insurance app

    Call 1-866-454-8910 and speak to a claims Advisor

    Track your auto claim through the TD Insurance app or MyInsurance

    We’re here to help you every step of the way

Start your claim

We're always available to help with your insurance needs

Convenient online services for home and auto

    Review and manage home and auto coverage

   Make payments and manage billing

   Access your insurance documents

   Change vehicles, drivers, coverage and more

Log in or register

Rated one of the top Home and Auto Insurance apps in Canada

    Billing and payments

    View and manage your policies

    Download your pink card

    Start and track a claim

Download the app

Simple claims services for home and auto

    Start a claim through the TD Insurance app

    Call 1-866-454-8910 and speak to a claims Advisor

    Track your auto claim through the TD Insurance app or MyInsurance

    We’re here to help you every step of the way

Start your claim

Home Insurance questions? Find the answers.

With hundreds of helpful articles, videos, quick tips and step-by-step tutorials, find information about car, home, life, travel or other types of insurance.

Explore Advice Centre

Home insurance is not mandatory by law in Canada if your house is paid for (however, it is usually a condition to get a mortgage). But considering the financial investment that goes with home ownership, having insurance is strongly recommended. It could help pay for repairs or replace your home or your belongings if something accidental or unexpected happens, such as a fire or your home gets broken into.

In general, home insurance covers your dwelling and your personal belongings. It also covers you if someone injures themselves on your property or if you accidentally damage someone else’s property or unintentionally injure them. Most policies allow you to add on extra coverage to meet your exact needs.

With MyInsurance, one of our licensed Advisors would be happy to assist you once logged in through secure chat. Please be sure to have the following information available so that we can assist you as efficiently as possible:

  • Street address including postal code and unit or suite number, if applicable.
  • Details about the new property, such as year of construction, square footage, and lender information if applicable.
  • Depending on the type of the new property, such as a seasonal cottage or an investment property to be used for rental purposes, certain eligibility and coverage restrictions may apply.

Online and mobile options with TD Insurance

Manage your insurance online with MyInsurance. With numerous self-serve features, you can view your home and auto policy details, download proof of car insurance (also known as your 'pink card'), manage your payment or contact information and much more.

Get fast, easy and secure access today.

Looking to get a quote? Visit our quote page and get one in minutes.

There are many different factors that come into play when it comes to home insurance in Canada.

Are you in a condo or a house? Do you rent, or do you own? Costs can vary from province to province and there are different types of coverage available. Things like location, how new or old the building is, and what materials were used to build it are also all taken into consideration.

Getting a personal quote based on all these different factors is the fastest, easiest, and most accurate way to find out what home insurance will cost for you. Plus, you can do it online and it only takes a few minutes.

Connect with us

  • Buy home insurance online

    Get a home insurance quote in minutes using our secure online quoter. ‡

    Get a quote

  • Speak with a licensed Advisor

    1-866-361-2311

    Mon – Fri, 8 AM to 8 PM 

    Sat 9 AM to 4 PM

‡ Conditions apply. Subject to eligibility rules.

The ability to purchase insurance online is currently not available in all provinces.

Note: You may not always be given the option to buy online. If this happens, we encourage you to call and speak to one of our licensed advisors, or let us call you!

In 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.

1 10% Home Insurance Savings (not available in Quebec)
A 10% Buy Online Discount in the first policy term will be available to customers for completing the home, condo or tenant Insurance purchase online. The Buy Online Discount is applicable to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Overflow or Escape.

5% Savings on Home Insurance (Quebec)
A Buy Online Discount of 5% in the first policy term will be available to customers for completing the Home, Condo or Tenant insurance purchase online. The Buy Online Discount is applicable to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Oil Overflow or Escape.

2Nationally, the average annual savings of all of our clients who belong to a professional or alumni association that have an agreement with us and who insure both a residence and a car on April 25, 2025 (underwritten by Security National Insurance Company) was
- $1,870 when purchasing both homeowner and car insurance
- $1,350 when purchasing both condo and car insurance
- $1,300 when purchasing both tenant and car insurance
when compared to the premiums they would have paid without the preferred insurance rate for groups and the multi-product discount. Savings are not guaranteed and will vary based on the client's profile and province or territory of residence. Due to provincial legislation, car insurance is not available in British Columbia, Manitoba and Saskatchewan.

3 Nationally, as of April 25, 2025, new customers (with insurance policies underwritten by either Security National Insurance Company, Primmum Insurance Company, TD General Insurance Company and TD Home And Auto Insurance Company) who insured their homeowner policy with us and who met the claims-free savings criteria applicable to their province or region with regard to the number of years spent claims-free, saved an average of 25%, expressed regionally as:
30% in Ontario
25% in Quebec
25% in Alberta, British Columbia, Yukon, Nunavut, and Northwest Territories
20% in Saskatchewan and Manitoba
20% in the Atlantic Provinces
when compared to the premium they would have paid if, within the previous 12 months, they made a claim that would have negatively affected their premium. These claims vary by province. Savings are not guaranteed and vary based on the customer's profile and province/region.

4 As long as you own the home and remain insured with us.

† Savings apply to premiums charged for base contract and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Overflow or Escape.

†† Automatically included, subject to eligibility. When you have both home and car insurance with TD Insurance, not only can you save a bundle, but you’ll also get Legal and Home Assistance for no additional cost. All referrals provided within a maximum of 72 hours.

Mailing address:
TD Insurance (Corporate Secretariat)
50, Place Crémazie
12th Floor
Montreal (Quebec) H2P 1B6

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