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About The Co-operators home insurance.

The Co-operators was founded by a group of Saskatchewan farmers who believed they weren’t being well-served by traditional insurance providers.

In 1945, the farmers established the Saskatchewan Wheat Pool, collectively contributing $25,000 into a communal risk pool.

At the time, one of the founders, Albert Savage, likened the fledgling insurance provider to the acorn that would inevitably become an oak tree. In the years that followed, the company expanded east to Manitoba and Ontario. Today, they’re headquartered in Guelph, Ont.

While a lot has changed in its 70-year history, community is still central to The Co-operators philosophy, the aim of which is to create sustainable societies by promoting the co-operative business model.
The Co-operators provided major financial relief during several Canadian natural disasters including the fires in Slave Lake and Fort McMurray in 2011 and 2016 respectively. In addition, The Co-operators donates 1% of their pre-tax income to charities and non-profits as well as partnering with the Kids Help Phone.

What our users say:

Excellent
Based on 322 reviews
June 5
Awesome work
wow what an awesome rep. He did up everything, extremely fast and was very under...
Delroy Paul
May 26
Quick service
Quick service, good price
dl
May 22
Imad Harrouk was great !
Imad Harrouk was great ! intelligent well spoken professional polite a perso...
james bannon
May 21
Imad Harrouk helped me get the best…
Imad Harrouk helped me get the best home and auto bundle insurance quote. He was...
Amanda Moskowitz
May 20
Excellent !!! Very competitive rates !!
Excellent customer services also they have very competitive rates !!
Eliza Gallant
May 18
I was treated fairly and walked through…
I was treated fairly and walked through my purchase.I enjoyed the agent was exce...
paul neville
May 17
Highly Recommended !
I spoke with Mr. Imad Harrouk of DirectRate for quotes on my car and condo insur...
HL
May 14
Highly recommend
Great experience, simple to use and they gave me a lot of options at prices that...
Chandra Wilson
May 13
Amazing service
Amazing service, Sonia is patient and helpful. Can not complain. I am happy with...
Miroslav Adalbert Elias
May 12
Meghan Ford helped me and she was…
Meghan Ford helped me and she was amazing. I saved $160/month between home and a...
Bruce
May 11
Easy
Easy, clear and fast. Very effective.
Rene Izquierdo de la Cruz
May 6
Sonia was very helpful and nice…
Sonia was very helpful and nice throughout the whole process. She got me the bes...
Ali Al-Rubayee
May 6
I got a hassle-free quick quote from…
I got a hassle-free quick quote from good insurance companies. This site is very...
Sisil
May 6
Very friendly and professional
Very friendly and professional. She always try to help. Really appreciate.
Binod Shrestha
May 5
Imad was extremely helpful and patient…
Imad was extremely helpful and patient with all our requests. He listened to our...
Guy St-Pierre
May 5
He was so amazing
He was so amazing. He went out his way to help me. He deserves a raise Very po...
Shahin Abbaskhan
April 27
Great rates!
Ryan was very helpful and polite.He went all out to find me the best rate. He wa...
Linda Shelton
April 22
Wonderful experience!!!
My call started off with simple inquiries about the quote i recieved. I spoke wi...
emily murray
April 22
The service was excellent
The service was excellent. Emad provided awesome service for me.
John Bowden
April 19
Fast and professional customer service
Fast and professional customer service. All of my questions were answered and I...
P COSTANTINI
April 16
Chelsea was very helpful and a pleasant…
Chelsea was very helpful and a pleasant person to deal with.
Keith Tarala
April 16
simple quick and easy
simple, quick and easy
tony palumbo
April 16
Daina is very professional and very…
Daina is very professional and very helpful! Helped me find auto and home insura...
Mark
April 15
Amazing Service
Daina was amazing so quick and easy and explained everything so so well! I was ...
Tara Schaffner
March 30
You will be hard pressed to find an…
You will be hard pressed to find an online service as accurate, fast, and easy t...
Frederick Armentia
March 25
Searching lower rates for Auto and Home Insurance
I got a good response in looking and finding from several Insurance brokers and ...
Jose Mastromonaco
March 22
Thanks to Mr Imad Harrouk
Thanks to Mr. Imad Harrouk, he helped me get the lowest rate with the insurance ...
Virgo Baby

How consumers review The Co-operators 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 Co-operators home insurance advantage.

How can I save money on The Co-Operators property insurance?

The first thing you should do in order to secure a lower rate on The Co-operators home insurance in Canada is shop around. When you do that, you can compare The Co-operators home insurance against other companies to make sure you’re getting the best rate.

Using a website like LowestRates.ca, you can get an online quote for The Co-operators home insurance. In just three minutes, you can compare home insurance quotes from 75+ Canadian providers and see for yourself what home insurance coverage from The Co-operators would cost based on your needs.

Once a broker reaches out to you, you can ask them about potential discounts you might be able to secure, including:

  • New home: Depending on how recently your home was built, you could be granted a discount on your insurance package.
  • Mature client:  If you’re 55 years old or older, you will qualify for a discount. This discount applies for The Co-operators tenant insurance as well as condo dwellers and, of course, homeowners.
  • Fire sprinkler: If you have a functioning sprinkler system in the event of a house fire, you’ll save money.
  • Loyalty/multi-product discount: Already have auto or life insurance with this provider? You’re likely to save here, too, if you do. When you use LowestRates.ca to get a quote for house insurance from The Co-operators, indicate that you want to bundle auto insurance with it, and see the savings for yourself.
  • Claims-free history: If you have never made a claim, make sure to bring it up to get a break on your premium.
  • Sustainability: The Envirowise discount is offered to those who have LEED-certified homes.
  • Co-Operative Housing discount: Any members of the co-operative housing developments qualify for a break on their own personal properties.
  • Mortgage-free discount: If you’ve paid off your mortgage or line of credit, you could qualify for a break on your home insurance.
What endorsements can I get with The Co-operators house insurance? 

Enviroguard - This program helps homeowners make their properties more environmentally friendly. Owners pay $40 per year and are promised an additional 10% on the claim amount for damages up to $50,000. The Co-operators will also replace or repair property damage with environmentally-friendly products like bamboo flooring or Energy Star appliances.

Identity fraud - The Co-operators homeowners insurance includes an endorsement called Identity Fraud Coverage Expense, which reimburses clients $10,000 - $25,000 in the event your identity is stolen. This includes the costs of affidavit notarization, lawyer fees and lost income. This offer is only available to customers who purchase the Prestige coverage package (The Co-operators’ comprehensive insurance policy).

Personal Umbrella Liability - This program enables homeowners to choose to add an extra $1-million to $5-million of liability to their policy, with no deductible. It also applies to watercraft, auto and seasonal policies.

Comprehensive Water - Coverage for water damage that The Co-operators’ base home insurance policy may not cover, this program has you covered in all cases of water damage like septic or sewer backups, storm surge and flooding from bodies of water.

Guaranteed Replacement Cost - With a regular policy, the property is given a replacement value. The Guaranteed Replacement Cost program differs because it offers Prestige policyholders the actual replacement cost of the damages regardless of whether the damage exceeds the predetermined replacement value limit.

Is there an app?

Yes. The app offers easily accessible information regarding your Co-operators home insurance policy and coverage. Through the app, you can make a claim on your home insurance plan and make payments or contact The Co-operators directly.

How to submit a claim with The Co-operators home insurance

To make a home insurance claim, contact The Co-operators 24/7 through the app or at 1-877-682-5246. Those from Quebec should call 1-877-594-2667. You can also make a claim online.

To speed up the claims process, homeowners should also download and fill out the Proof of Loss and Schedule of Loss forms online. For claims up to $10,000, homeowners can choose to receive their settlement through Interac e-transfer.

For additional customer service from The Co-operators home insurance, see below:

  • The Co-operators home insurance phone number:
  • National: 1-877-682-5247
  • Quebec: 1-877-594-2667

For a home insurance emergency, call The Co-operators claim centre at 1-877-872-5246.

  • Online:
  • Through the app

Hours of availability:

  • 24/7

What else does The Co-operators do?

Renters will be glad to know that The Co-operators also provides tenant insurance.

And if you happen to be a landlord looking for home insurance, The Co-operators can help you find the best policy for your needs.

Other products The Co-operators offer are:

  • Auto insurance
  • Investments
  • Life insurance
  • Auto and home bundling
  • Business insurance
  • Travel insurance
  • Comprehensive water
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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