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Canadian Home 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

  • Home Coverage

    • 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††:
      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.
    • 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 information from lawyers and a network of home contractors.

  • Enhanced Home Coverage

    In addition to what is included under Home Coverage, you can get Enhanced Home Coverage for even more protection. Find out more details on these protections 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.

††Automatically included, subject to eligibility.

Get a Home Insurance Quote

Boost your coverage with optional add-ons

Customize your Home Insurance to suit your unique needs and preferences with additional add-ons.

Steps to buy home insurance online

  1. Start your quote

    Begin your quote by answering a few questions. With the information you provide we’ll be able to:

    • Assess your needs and recommend coverage
    • Determine what discounts are available to you
    • Give you the most accurate quote

    And of course, it’s all 100% confidential.

  2. Customize your coverage

    Once you've completed your quote we’ll provide you with our recommended coverage options based on your individual needs.

    You’ll be able to:

    • Adjust your deductible amounts
    • Alter your coverage limits
    • Proceed with buying online1

  3. Set up payment, review coverage and buy

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

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

    Now you can finish the process and put your feet up.

Save 10% when you quote and buy home insurance online2.

Get a home insurance quote

Ways to save on home insurance

  • Buy Online Discount

    Enjoy extra savings when you get a home insurance quote and purchase your policy online.

  • Home Security Savings

    Get rewarded for having a connected alarm for water damage and theft or fire.

  • Multi-home Savings

    If you’re getting insurance for multiple homes, you can save.

  • Newly Built Home Savings

    If your home is a new build, you can get even more savings on insurance.

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 $924.4

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.

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