Compare The Co-operators home insurance quotes with other top insurance companies.

On average, Canadian homeowners save hundreds of dollars per year by comparing quotes with us.

Get 15+ quotes in 3 minutes.

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.

How consumers review The Co-operators home insurance.

ProvinceUser satisfaction rating
Atlantic/Ontario

 

 

 

 

 

Quebec region
Western region

 

 

 

 

 

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 obtain an online quote for The Co-operators home insurance. In fact, we can provide you with 15+ personalized quotes, and you can see for yourself what home insurance coverage from The Co-operators would cost you 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

Home insurance news

Read More Like This