Homeowners insurance is one of the biggest financial investments a Canadian can make. It protects your property against fire, flood and other damage or destruction.
It’s important to buy a policy that’s right for your unique situation. This article will help you choose a reputable provider that meets your needs and offers excellent service.
1. Desjardins
Desjardins is a Canadian insurance company that offers a wide range of home and auto insurance policies. Their rates are competitive and they provide excellent customer service.
They also offer dental care coverage, which helps cover costs for treatments like root canals, crowns and bridges. They also offer discounts for certain treatments and medications.
In addition, they offer family life insurance. It is important to get your family members covered so that they can be financially secure in the event of your passing.
Desjardins is a large financial co-operative, with many offices in Canada. It is considered one of the leading financial co-operatives in North America.
2. Optimum
Optimum is a Canadian insurance company that offers a variety of home, auto and farm insurance to customers across Canada. Its products are offered through a network of independent brokers.
The insurance company is a subsidiary of the Optimum Group, an international financial investment group that has been in the property and casualty business since 1976. The Optimum Group has three main subsidiaries: Optimum General Inc, Optimum Insurance Company and Optimum West Insurance.
The company has a strong distribution network consisting of more than 600 independent brokers working in over 1,100 locations throughout the country. Its home, auto, farm and business insurance coverage is available to residents in Alberta, British Columbia, Manitoba, Quebec and Ontario.
3. Promutel
Promutuel is a leader in the homeowners insurance industry and one of Canada’s top general insurers. It offers an array of home insurance products that are sure to suit any budget and lifestyle. It also offers many discounts that can save you money.
This Quebec-based company is a leading provider of homeowner’s insurance, which it sells both directly to policyholders and through brokers like KBD. Their website is user-friendly and easy to navigate, making it a great choice for consumers.
In 2021, Promutuel Insurance had an incredibly successful year thanks to its financial strength and high-quality products. A $206 million insurance result and a premium volume that’s in the billion dollar range are proof that the firm’s strategic plan for profitable growth has worked out. The insurer has also embraced its mission to promote and offer insurance products that meet the expectations of their member-policyholders. It does this by fostering the mutualist values that have guided its actions for 170 years.
4. Economical
Economical is a Canadian insurer that offers a range of home insurance policies for houses, condos, cottages, tenants and landlords. They sell their policies through brokers, which gives you the benefit of chatting with someone who will help you find and customize the policy that’s right for you.
Their home insurance rates vary depending on your age, where you live and how much it costs to rebuild your property after a claim. They also offer perks and discounts for mortgage-free homeowners, those over 45 years old and those who haven’t made a claim before. Moreover, their 24/7 claims helpline is available to assist you with any issues that may arise. They also offer optional perils such as flood and earthquake, which are especially important to consider in certain provinces. You can also bundle your policy with other products to save even more on the total cost of coverage. Their policy also includes loss of use coverage, which reimburses you for your living expenses if you’re not able to stay in your home after an insured event.
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