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Canadian Home Insurance
Protect what matters most
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.
Home Insurance with TD Insurance
Protect your home and personal property 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 personal property. It also covers your extra living expenses, so you can stay somewhere comfortable if you can’t stay in your home due to a covered claim. 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:
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All risks: Covers your home and belongings against all causes of loss—except those directly mentioned as exclusions in your policy.
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Water damage coverage: Insurance coverage for a variety of interior water damage based scenarios including damage caused by the rupture of a heating, plumbing, sprinkler, or air conditioner system. Coverage also includes water damage caused by the escape of water from a domestic water container or appliance, like a dishwasher or a washing machine.
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Extended water damage coverage††: Additional coverage to cover damages as result of exterior water backing up from sewers or septic tanks, below ground water seepage through walls, foundations and basement floors and overland water from any stream or body of freshwater that enters your home.
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Rebuilding to code: Additional costs to repair or rebuild damaged portions of your home to code due to a covered claim.
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Personal liability: You’re protected in case a visitor gets injured on your premises, or if you’ve accidentally damaged someone’s property and have to pay for the damages.
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Additional living expenses: Includes additional costs for temporary accommodations so you can stay somewhere comfortable if you can't stay at home because of a covered claim.
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Legal and home assistance††: When you bundle your home and car insurance with TD Insurance, you get access to free over-the-phone legal advice and referrals to our pre-qualified network of home contractors.
††Automatically included, subject to eligibility.
Enhanced Home Coverage for your house
In addition to the coverage listed above, Enhanced Home Coverage offers even more protection for your loved ones, your home, and your personal property. Find out more details when you get a home insurance quote:
- Family coverage : Protection for situations like 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 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.
Boost your coverage with optional add-ons
Customize your Home Insurance to suit your unique needs and preferences with additional add-ons.
Ways to save on home insurance
Find the right home insurance to suit your needs and your budget. Get started with our online quote tool to check out our competitive home insurance rates — you'll get your quote in minutes.
Frequently asked questions
1. How can you switch to Home Insurance with TD Insurance?
Start by entering your information online to get a TD Insurance home insurance quote in minutes. You’ll be able to complete your purchase on our website or choose to get in touch with a TD Insurance agent over the phone. If you have any questions, our team is ready to offer support every step of the way.
2. Can I save money if I insure both my home and car with TD Insurance?
Yes! In fact, customers who switched both their home and car insurance to TD Insurance saved an average of $940.4
3. Do I have to buy home insurance?
When you purchase a home, your mortgage provider will require you to have a home insurance policy in place before your closing date. A home is a big investment, and home insurance offers financial protection in the event that your home is damaged by fire, water, burglary, theft, or other covered events. While home insurance isn’t mandated by law the way car insurance is, it’s an important part of any financial plan.
4. What is “contents insurance”?
Contents insurance is a type of home insurance that covers the assets inside your home, rather than the home itself. We insure the contents of your home (your belongings) under our Homeowner Insurance, Tenant Insurance, and Condo Insurance plans. Those coverage options could help you to replace your belongings if they’re damaged or stolen from your home, your vehicle, or even while off premises, like if something happens to your laptop while you’re on vacation..
5. Does home insurance cover water leaks?
If you have a home insurance policy with TD Insurance, it’s likely that your coverage includes protection against sudden, accidental water leaks from your heating, plumbing, appliances, and more. However, you may want to purchase additional coverage, like Extended Water Damage Coverage or Above Ground Water Coverage, to help insure your home against water damage in a wider range of scenarios.
6. Is home insurance tax deductible?
No, you can’t deduct the cost of your home insurance policy from your personal taxes. However, if you’re a landlord you may be able to claim home insurance on your rental property.
Home insurance advice
Read more about home insurance tips & advice.