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Home Insurance British Columbia
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Home
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Condo
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Tenant
Home insurance
Protect your home and belongings 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 belongings. It also covers your extra living expenses, so you can stay somewhere comfortable if you can’t stay in your home. 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, you can get Enhanced Home Coverage for even more protection. 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.
Home insurance advice
Read more about home insurance tips & advice.
Condo insurance
If you own a condo, having condo insurance can help protect you against unexpected expenses. Where home insurance covers your entire property, condo insurance focuses on what’s in your unit, like personal liability, loss or damage to your personal belongings, or improvements to the unit itself. It can also cover damage to common areas, like shared expenses for major repairs for eligible loss assessments. We offer coverage for temporary living expenses too, if you’re unable to live at home while repairs are being made as a result of a covered claim.
Our Global Amount Coverage offers condo insurance coverage that’s specifically designed to fill the gaps left by your condo corporation’s insurance policy. Learn more about our condo insurance coverage.
Tenant insurance
Home insurance isn’t just for homeowners. Tenant insurance, also known as renter's insurance, covers your belongings, including your furniture, electronics, and jewellery, when you're renting. You'll also receive additional coverage benefits such as personal liability, additional living expenses and much more.
1In order to be eligible for the Buy Online Discount for home or car insurance, you must meet eligibility requirements to buy home or car 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!
Offers may be changed, withdrawn or extended at any time without notice.
210% Home Insurance Savings (not available in Quebec)
10% savings off eligible coverage in the first policy term is derived from a combination of two separate discounts:
- a 5% Digital Discount for completing the home, condo or tenant insurance quote online. This Digital Discount will continue to be applicable upon policy renewal.
And
- 5% Buy Online Discount in the first policy term for completing the home, condo or tenant insurance purchase online. Both the Digital Discount and Buy Online Discount are applicable to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Overflow or Escape.
35% Savings on Home Insurance (Quebec only)
Home Insurance: A Buy Online Discount of 5% in the first policy term will be applied to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Oil Overflow or Escape
The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.
In the case of conflict between the content on this page and your policy wordings, your policy wordings shall take precedence Please speak to an Advisor or consult your policy wordings for further details.
Where applicable. Car insurance not available in British Columbia, Manitoba, or Saskatchewan.
†Savings apply to premiums charged for base contract and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Overflow or Escape.
Mailing address:
TD Insurance (Corporate Secretariat)
50, Place Crémazie
12th Floor
Montreal (Quebec) H2P 1B6"