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The first rule of saving money is to shop around for the best price. Make sure you’re not overpaying for home insurance by comparing insurance providers before you settle on one. LowestRates.ca makes comparing multiple home insurance companies a snap. We don’t sell insurance — we’re completely independent — but we can show you which insurer is offering the lowest price. Just enter your postal code and in 3 minutes we’ll show you rates from Canada’s big banks and independent lenders. Best of all? It’s free.

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Meet CAA home insurance.

The Canadian Automobile Association (CAA) was founded in 1913 and comprises nine automobile clubs with more than 100 offices across Canada. It’s one of the largest consumer-based organizations in Canada, providing peace of mind to more than six million members.

CAA is a non-profit organization that, in addition to providing insurance services, also does advocacy work on behalf of Canada’s motorists and travellers. Focusing on issues such as infrastructure, the environment, safety, consumer issues, and consumer products, CAA National advocates on behalf of its members federally while its nine clubs operate on the provincial and municipal level.

CAA offers its members several services and perks, including emergency roadside service, automotive and travel services, exclusive partner savings and comprehensive insurance products.

The nine clubs that make up CAA include:

How consumers review CAA home insurance.

CAA home insurance is known for great customer service. In British Columbia, the BCAA has been ranked “Highest in Customer Satisfaction among Home Insurers in Western Canada” by J.D. Power 7 out of 8 years in a row. It received the highest score in policy offering, price, billing and payment, interaction (non-claim) and claims.

ProvinceUser satisfaction rating
Atlantic/Ontario—
Quebec region—
Western region

 

 

 

 

 

 

How to get the cheapest home insurance quote

Getting insurance for your home is easier than you think. To get the lowest rate possible, the Financial Consumer Agency of Canada recommends following these steps when shopping for home insurance.

Compare home insurance quotes from various providers.

Ask your broker or agent about bundling your home and car insurance policies.

Ask your broker or agent about which discounts you qualify for.

You might be able to further reduce your by increasing your deductible (the amount you pay toward a claim before your insurance kicks in) and by offering to pay your insurance bill annually instead of monthly.

Increasing your deductible is a great way to save on home insurance in the short term, just make sure you have money reserved for this purpose. Focusing on finding cheap quotes isn’t always a good idea. Having the right amount of coverage — now that should always be the goal.

Factors that determine your home insurance quote

Your home insurance policy will be customized to suit your needs and the property you’re insuring.

Home insurance premiums are determined by dwelling type (is it a single-detached home, a house with a basement tenant suite, or a condo?). Insurance companies also try to predict the kind and size of claim you might make in the future.

Here are some of the criteria insurance companies look at when calculating your premium.

  • The square footage of your home.
  • Contents and quality of construction.
  • The location of your home.
  • Distance to a fire hydrant.
  • Your insurance claims history.
  • The age of your roof.
  • Your home’s plumbing.
  • Your home’s electrical system.

The CAA property insurance advantage.

How to save money on home insurance coverage with CAA.

Your first line of defense against expensive home insurance premiums with CAA is to compare home insurance quotes online using a rate comparison website like LowestRates.ca. This will give you a significant advantage over those who just take the first price they’re offered.

After you obtain an online home insurance quote from CAA, you could receive a number of discounts on your CAA home insurance policy, depending on which of the nine clubs you belong to. Each club offers different discounts with the purchase of an insurance policy.

  • Become a CAA Member: Members save 10% on any home insurance policy.
  • Loyalty Savings Bonus: Save 1% for every year you’ve had your CAA house insurance (up to an additional 10%).
  • Combine Home & Car: CAA members save by bundling home and car insurance and could receive free tire protection.
  • Deductible Options: Increasing the deductible can save you more on your home insurance premium.
  • Home Safety Systems: Systems like fire sprinklers, automatic water shut off, home security and other similar systems can qualify you for extra savings at CAA.
  • Remain Claims-Free: The longer you remain claims-free the more you can potentially save on your CAA premium.
  • Age-related Discount: Your age could qualify you for more savings.
  • Mortgage-free discount: Having your home paid for in full can give you additional discounts.
  • New Home Discount: If the home you are purchasing is brand new, you can save more.
  • Discounts for Claims Prevention: If you invest in devices and materials (like hail-resistant roofing and sewer back-up protection) to protect your home from damage, CAA rewards you with more discounts.

Special Programs

Some of the clubs offer special programs for their members, like the following:

The Assistant - Exclusive to CAA, members have access to five helplines to offer support, guidance and advice in areas like health, pet health, legal matters, identity theft, home maintenance and more. Calls are unlimited!

CAA Tire Coverage - Bundling CAA Auto and Homeowners Insurance policies gives you complementary coverage for tire repairs and replacements due to damage caused by a road hazard.

Legal Expense Insurance - Legal fees can be high and can deter you from pursuing or defending your rights. CAA gives you legal expense insurance at no additional cost.

Identity Theft - Protecting your identity is important, just like protecting your home. CAA home insurance policyholders can purchase identity theft protection at a minimal cost.

What other endorsements can I get with CAA home insurance in Canada?

  • Water Coverage — CAA home insurance policies can be topped up with coverage for water damage, including overland flooding, sewer backup, and heavy rainfalls.
  • Home Equipment Breakdown Coverage — This is a form of additional coverage that you can buy for the breakdown of appliances in your home.
  • Service Line Coverage — This is an endorsement that protects you against damage to or failure of the service lines that run underneath your home.
  • Liability coverage — This is an extra form of coverage that protects you in the event that someone is injured on your property and tries to sue you for damages.

Is there an app?

There is an app for both Apple and Android users. Along with many features related to CAA’s roadside assistance, you can also use the app to save your CAA home insurance agent’s phone number or speak to them at the touch of a button. In addition, you can qualify member-exclusive savings and rewards at over 124,000 participating retail locations and services all across North America.

How to submit a home insurance claim with CAA.

If you need to contact CAA about a home insurance claim, you can reach all of the clubs via telephone, but hours vary: If you find yourself in a bind and need to file an emergency home insurance claim with CAA, some are open 24 hours a day, while others operate during business hours. Online claims reporting is available, but not to all club branches yet. Unfortunately, there is no central reporting centre for claims. Your broker or agent will be able to provide the contact information for your club’s claims centre.

What other forms of insurance does CAA offer?

Other insurance:

  • CAA condo insurance
  • CAA tenant insurance (unfortunately, CAA doesn't offer landlord insurance)
  • CAA mobile and vacation homes insurance
  • CAA auto insurance
  • CAA travel insurance
  • CAA life insurance
  • CAA health & dental insurance
  • CAA pet owner’s insurance

Interested? You can get a house insurance quote, and more, from CAA in just a few minutes. Complete the form above to get started.

Lisa Coxon

Lisa Coxon

About the Author

Lisa is an Editor and Writer for LowestRates.ca. Her work has appeared in Reader’s Digest, Toronto Life, Canadian Living and TVO. As a child, she diligently hoarded the $50 bills that fell out of her Christmas cards. Adult Lisa is working hard to resurrect those stockpiling tendencies.

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