Home, condo and tenant insurance

Home, condo and tenant insurance | TD 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 easy for you to understand your coverage and features. What’s even better is enjoying 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.

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.

Home Coverage for your house

It’s not just your house, it’s the place you call home. That’s why we cover:

All risks: Covers your home and belongings against all causes of loss—except those directly mentioned as exclusions in your policy.

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.

Rebuilding to code: Additional costs to repair or rebuild your home to code are covered up to the amount of coverage.

Water damage coverage^* : Covers events like sewer backup and sump pump overflow, water entering a below-ground-level home, and even overland flooding from any body of fresh water. Learn More

Legal and home assistance: Bundled Home & Car insurance comes with free advice from lawyers and a network of home contractors. Learn More

^*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:

Family coverage : Protection for situations like cyberbullying and parents living in nursing homes. Learn More

Eco-efficient rebuild: Provides additional coverage above and beyond the cost of repairs to allow for eco-efficient upgrades following a covered loss. Learn More

Claim forgiveness : When your policy renews, your premium won’t increase after you make your first claim. Learn More

Enhanced limitations: Increases the amount of coverage for high-value items, such as fine art, wine, spirits, some collectibles, jewellery and more.

Above-ground Water

Get coverage for above-ground water damage that enters through the roof, doors and windows.

Settle Your Way

Choose to repair/rebuild or settle in cash without deduction for depreciation.

Personal Valuables Coverage

Get extra coverage for valuable items, such as jewellery.

Identity Theft Recovery

We can help recover your stolen identity and will cover the associated costs up to the amount of coverage provided.

Personal Umbrella

Get more liability coverage with increased limits to your home and car policies.

Home-sharing

Sharing your home as a short-term rental? We have coverage for that.

Online Quote Savings

Enjoy extra savings when you get a quote 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.

Your condo corporation’s insurance generally covers the main structure and common areas. But some items are your responsibility, such as your belongings, any unit improvements and betterments, loss assessments, etc. Our Global Amount Coverage is designed to fill these gaps. We’ll work with you to determine an appropriate limit for your belongings and then provide 10x that amount for unit improvements and betterments, loss assessments and additional living expenses.

Home Coverage for your condo

Feel confident your condo is protected with home coverage for your condo.

All risks: This covers your home and belongings against all causes of loss—except those directly mentioned as exclusions in your policy.

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: If you can’t live at home while repairs are being made because of a claim, we’ll cover your temporary additional living expenses.

Unit Improvements: You’re covered for any upgrades made to your condo since it was built.

Loss assessment: Covers your portion of any shared costs that occur as a result of an eligible loss assessment by the condo corporation.

Common areas: We’ll protect you against liability for any major repairs to common areas.

Legal and home assistance: Bundled Home & Car insurance comes with free advice from lawyers and a network of home contractors. Learn More