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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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When you find the best quote, secure your rate by talking to a licensed broker or agent.
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:
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.
| Province | User satisfaction rating |
|---|---|
| Atlantic/Ontario | — |
| Quebec region | — |
| Western region |
|
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.
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.
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.
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.
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.
Other 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
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.
FinanceIf you have a sneaking suspicion that everything is more expensive these days, you’re right. Canada’s inflation rate hit an 18-year high in October of last year, sending consumer prices soaring. So much so that the cost of living has increased by nearly 5%, according to Statistics Canada.
Home InsuranceThis article has been updated from a previous version.
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