Choosing the Right Coverage

Find the right plan for your belongings

We offer a wide range of home insurance packages
that can be tailored to meet your specific needs.
Plan name
Platinum Plus


Description Ideal if you simply want our most complete coverage

Ideal if you own high valued items such as jewellery, artwork and bicycles Ideal if you are looking for protection at an affordable price

These limits are calculated based on a percentage of your policy coverage. Please speak to an advisor for details.

Property belonging to students living outside the home Help

These limits apply to your business property.

Business property Help
$6,000 $6,000 $2,000

In the event of a theft, these limits apply to your jewellery (precious and semi-precious stones), watches and furs.

Jewellery, furs and watches Help
$6,000 $2,000

In the event of theft, these limits apply for your bicycles.

Bicycles Help
$1,500 $500

These limits apply to your money, cash cards etc.

Money Help
$600 $600 $200

These limits are calculated based on a percentage of your policy coverage. Please speak to an advisor for details.

Artwork Help

These limits apply to your boat and equipment.

Boats, equipment and motor Help
$3,000 $3,000 $1,000

Additional Coverage

We offer additional coverage to better protect your home.

Our basic home insurance policy covers certain types of water damage. Since every property is different, you may also choose to customize your insurance by purchasing additional coverage. 
Learn more.

Every year in Canada, thousands of people fall victim to identity theft. Learn more about Identity Plus, our protection to help restore your identity.

A basic property policy doesn’t include coverage for earthquake damage. Please speak to one of our Advisors. Learn more.

Oil from leaking furnace tanks can permanently damage your home and property and poses a serious risk of fire and environmental contamination. 
Learn more.

Important Question About Your Coverage

Expand How much home insurance do I need?

While everyone has different needs in terms of home insurance, at minimum, your policy should cover the following:

  • Rebuilding the structure of your home
  • Replacement of your personal possessions
  • Living expenses and temporary accommodations during your home repair
  • Your liability to others.

Select "Get a Quote" below to determine exactly how much coverage you will need.

Expand Why do I need liability coverage?

Liability coverage is included in your home insurance policy, and may cover you both at home and away. It can protect you and your family against many types of accidents, including slip-and-fall injuries on your property, dog bites, and damage done to your neighbor's property. Most home insurance policies provide a standard amount of liability coverage, but you can increase this amount depending on your needs.

Expand How does the deductible amount affect my premiums?

Normally, a higher deductible amount reduces your home insurance policy premium. Having a higher deductible can be a good way to lower your policy premium. However, be sure you can afford the deductible in case you have a loss. Select the Get a Quote button below to calculate a suitable deductible amount for you.

Need more help choosing the right coverage?

Our Home Insurance Quoter will help you.
Get a Quote

A TD Insurance Advisor is available to help you now.


The information and examples provided above are intended as general information only. This information does not constitute legal or insurance advice. In all cases, you should speak to an insurance advisor before acting. Your insurance policy contains exclusions in addition to limitations and restrictions which vary by province and may affect your coverage and/or determine whether or not benefits will be payable.