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What people say after comparing rates on LowestRates.ca

May 17
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Great and valuable services regarding competitive rates and coverage
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May 15
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Meet Desjardins home insurance.

Desjardins Insurance was founded in Lévis, Quebec in 1944 and is the insurance unit of the Desjardins Group, considered the biggest association of credit unions in Canada. Before it became Desjardins, it was known as “Société d'assurance des caisses populaires" (SACP). Desjardins’ main offices are in Montreal but its legal team remains in Lévis.

While Desjardins’ presence is strongest in Quebec, it offers home insurance in other provinces. In addition to home insurance, Desjardins Insurance offers auto, life, business, and pet insurance.

As one of the province’s largest employers, Desjardins is considered the most influential company in Quebec’s banking sector, especially among millennials: according to Leger’s 2018 Youth Study, respondents scored the financial institution high on trustworthiness and social responsibility.

Given its cooperative structure, investing in the communities it operates in is part of Desjardins’ mandate. Cooperative banks are set up to integrate and be part of the community, sharing profits with members who come from the community versus shareholders. As a result, Desjardins has a strong community presence and can act quickly in the best interest of its members while maintaining profitability.

Desjardins has received favourable coverage from Quebec media for its philanthropy. In 2017, Desjardins donated approximately $200-million for the rights to sponsor Jeux du Quebec, a youth sporting event held every two years in the province.

How consumers review Desjardins home insurance.

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 Desjardins home insurance advantage.

Discounts

You may qualify for several discounts when you purchase home insurance from Desjardins:

  • Bundling discount: You can save up to 20% on home insurance at Desjardins when you bundle home insurance with auto insurance. If one event damages both your car and home, you’ll only be required to pay one deductible — the higher one (Desjardins is upfront about that).
  • Claims-free discount: When you don’t file a claim, at Desjardins you could qualify for a 20% discount on your home insurance at renewal.
  • Home security discount: Sign up for a centrally-monitored alarm system and receive a 10% discount on your home insurance.
  • Water damage prevention discount: When you install an automatic water valve shut-off system, you get a 10% discount on your home insurance premium.
  • LEED-certified building discount: If you live or own a LEED-certified building, you could get a 10% discount on your Desjardins home insurance policy.

Special programs

Alert - Alert is Desjardins’ water damage prevention program. Desjardins home insurance customers get a free water and freeze detector that alerts the homeowner to potential leaks so they can take action as quickly as possible, limiting the damage that may occur. To receive alerts, download the app to your phone and sync it with the detector that Desjardins provided you.

Identity Theft Assistance - Home insurance policyholders are eligible for support if their identity is stolen due to an error on Desjardins’ part. Desjardins Insurance will give advice on preventing identity theft, answer questions, and, in some circumstances, even provide legal aid. The company said that victims may also be reimbursed for up to $50,000 in reimbursement for any expenses related to the theft.The service was introduced after a 2019 security breach exposed the data of 2.7 million customers.

Radar - Structural damage caused by extreme weather can raise your home insurance premium. Desjardins Insurance policyholders can download Radar and get alerts about weather such as hail, thunderstorms, high winds or wildfires in their neighbourhood. Desjardins became one of the first property and casualty (P&C) insurers in Canada to offer an app that sends personalized weather alerts. If Radar detects a risk, the homeowner will get an alert sent to their phone. The app works with both iOS and Android and you can download it to a phone or tablet.

The difference between Radar and other weather alert apps is that while most weather apps provide a regional forecast even for high-risk weather, Radar gives you severe weather warnings for specific addresses. It also allows you to set monitoring for different locations simultaneously so you can receive alerts for your home, office, and even your cottage.

Is there an app?

Yes, there is. The Desjardins Home-Auto mobile app lets you access your insurance policy and file a claim — all on your smartphone. Plus, all those alert apps such as Radar and Alert are accessed via the Home-Auto app.

There’s another added benefit of the app: the Ajusto telematics program, which can help you keep tabs on your driving habits. The app is able to gauge speed, braking, and more. You may qualify for up to a 25% discount on your car insurance premium if the app determines you’re a good driver. Some insurance companies require you to install new hardware in your car in order to participate in a telematics program. With Desjardins, all you have to do is install the app and hit the road.

How to submit a claim with Desjardins home insurance

If you need to submit a claim on your home insurance, or need to ask a question about submitting on, Desjardins Insurance has several options:

Phone:
1-877-659-1570
Online:
Through your Desjardins account
App:
Or, file using the Desjardins app
Hours of availability:
24/7

What else does Desjardins Insurance do?

Desjardins has a solid presence in the home insurance space but it also offers other forms of insurance. This is good news if you’re looking to save money since you can bundle multiple insurance policies. Here are the other types of insurance offered by Desjardins:

  • Auto insurance
  • Motorcycle insurance
  • Business insurance
  • Property insurance
  • Identity coverage
  • Life insurance
  • Liability insurance

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