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See how the home insurance discounts stack up with TD Insurance:

As a valued TD customer, you can get discounts on your new home or condo insurance policy with TD Insurance.

  • Save 10% when you buy online2

    This will apply only on the premium of your first policy term when you buy your policy online.

  • Get an exclusive 5% discount1

    If you have one or more products with TD.

  1. Mortgage

  2. TD Home Equity FlexLine

  3. Personal Bank Account

  4. Personal Credit Card

  1. Personal Investment Product or Account

  2. Automobile Financing

  3. TD Insurance Life Insurance or Accident & Sickness Insurance Policy

Additional ways you could save on home insurance

Switch today to start saving on your home insurance

Get a Home Quote

Already a TD Insurance Home Insurance customer?

  • If you have a TD Mortgage or a TD Home Equity FlexLine,     

you could get 5% off1 your existing home or condo insurance policy with TD Insurance at renewal for as long as the policy remains in effect. 

  • If you have another eligible TD product,

you could get 3% off1 your existing home or condo insurance policy with TD Insurance at renewal for as long as the policy remains in effect.

  • If you are paying for your insurance with a TD bank account, or have a TD Mortgage listed in your home or condo insurance policy,

the discount will be automatically applied to your home or condo insurance policy at renewal. 

Looking for car insurance savings too ?

Save on your Car Insurance with the Claims Free Reward!

The Claims Free Reward is our way of recognizing your claims-free history by giving you savings of up to 20% on your car insurance.4 All TD Insurance car policies are eligible to receive these savings.

Thinking about switching your car insurance to TD Insurance?

You could get savings based on your claims-free history with your previous insurer!

Plus, save even more when you bundle your home and car insurance.

Bundle to save

For more information

1 TD Customer Home Insurance Discount 

TD Insurance refers collectively to the following insurance companies:

  • Security National Insurance Company;
  • Primmum Insurance Company;
  • TD General Insurance Company;
  • TD Home and Auto Insurance Company; and
  • TD Life Insurance Company

TD Insurance home and condominium insurance policies are distributed by TD Insurance Direct Agency Inc. and Meloche Monnex Insurance and Financial Services Inc. in the province of Quebec, and by TD Insurance Direct Agency Inc. in the rest of Canada.

Eligibility

For the purposes of this "Offer" only, an "Eligible TD Customer" includes a natural person who: 

  • has a TD personal deposit account;
  • has a TD Mortgage, a TD Home Equity FlexLine, or a TD personal loan or line of credit, secured or unsecured;
  • has a TD personal credit card or other personal credit card issued by TD; 
  • has a TD personal investment product or account; 
  • has a TD automobile financing product; or
  • has life insurance or accident and sickness insurance policy underwritten by TD Life Insurance Company.

This Offer is for

A)      Eligible TD Customers who are new TD Insurance customers and who purchase a new home or condominium policy effective on or after January 1, 2024;

B)       Eligible TD Customers who are existing TD Insurance home or condominium insurance customers who purchase a new home or condominium policy effective on or after January 1, 2024; and

C)      Eligible TD Customers who are existing TD Insurance home or condominium insurance customers with a home or condominium policy effective before January 1, 2024.

Both new and existing TD Insurance tenant insurance customers are excluded from this Offer. 

Application

(A)    New TD Insurance Home or Condominium Insurance Customers Who Purchase a New Home or Condominium Policy Effective On or After January 1, 2024: 

  • Eligible TD Customers  who have a TD Mortgage or a TD Home Equity FlexLine will receive a 5% discount applicable to their annual home or condominium insurance policy premium and this discount shall continue to apply, at each subsequent annual renewal, for as long as the home or condominium policy remains in effect.
  • All other Eligible TD Customers will receive a 5% discount applicable to the premium for their annual home or condominium insurance policy's first term. At the first annual renewal, the value of the discount will decrease to 3% and shall remain as such for all subsequent annual renewals, for as long as the home or condominium policy remains in effect.

(B)     Existing TD Insurance Home or Condominium Insurance Customers Who Purchase a New Home or Condominium Policy Effective On or After January 1, 2024

  • Eligible TD Customers who have a TD Mortgage or a TD Home Equity FlexLine will receive a 5% discount applicable to their annual home or condominium insurance policy premium and this discount shall continue to apply, at each subsequent annual renewal, for as long as the home or condominium policy remains in effect.
  • All other Eligible TD Customers will receive a 5% discount applicable to the premium for their annual home or condominium insurance policy's first term. At the first annual renewal, the value of the discount will decrease to 3% and shall remain as such for all subsequent annual renewals, for as long as the home or condominium policy remains in effect.

(C)     Existing TD Insurance Home or Condominium Insurance Customers With a Home Or Condominium Policy Effective Before January 1, 2024

  • Eligible TD Customers who have a TD Mortgage or a TD Home Equity FlexLine will receive a 5% discount applicable to their annual home or condominium insurance policy premium and this discount shall continue to apply, at each subsequent annual renewal, for as long as the home or condominium policy remains in effect. 
  • All other Eligible TD Customers will receive a 3% discount applicable to their annual home or condominium insurance policy premium and this discount shall continue to apply, at each subsequent annual renewal, for as long as the home or condominium policy remains in effect.

Insurance policies for vacant buildings, vacant condominiums and mobile homes are not eligible for this Offer.

The 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. 

Offer may be changed, withdrawn or extended at any time, without notice.

2 Discounts when you get a quote and buy online

In order to be eligible for the Buy Online Discount for home insurance, you must meet eligibility requirements to buy home 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!

• 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.

3 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.

4 Claims Free Reward

Nationally, as of April 26, 2024, 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
25% in British Columbia, Saskatchewan, Manitoba, Yukon, Nunavut, Northwest Territories
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.

Nationally, as of April 26, 2024, our 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 insure their car with us and who meet 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 30%, expressed regionally as:

35% in Ontario
15% in Quebec
25% in Alberta, Nunavut, Northwest Territories and Yukon
30% 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, province/region and product.

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