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About The Personal Canada home insurance.

The Personal was founded in 1974 and has headquarters in both Mississauga, Ont. and Levis, Que. It uses the name La Personnelle in Quebec, while it does business as The Personal in the rest of Canada. The Personal is a subsidiary of Desjardins, North America’s largest federation of credit unions.

The Personal primarily provides property and casualty group insurance (not to be confused with workplace group insurance, which offers health and life insurance) to members and employees of more than 700 organizations, such as professional associations, companies, alumni associations, retirement groups, and unions. You or your spouse must be a member of one of those organizations in order to receive the exclusive group rates offered by The Personal.

Anyone can apply, but they won’t qualify for the group rate unless they’re a member or employee of one of those organizations.

Want to see how The Personal’s home insurance compares to other home insurance providers? Start by entering your postal code above. In just three minutes, you can get home insurance quotes from 75+ of the top insurance providers across the country.

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 Personal for 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 Personal house insurance advantage.

Discounts

As a group insurance company, The Personal offers preferred rates to members and employees of subscribing organizations. There are also a number of discounts available.

  • Multi-line: Bundling your home and auto insurance together could save you up to 20% on your home insurance and up to 5% on your car insurance.
  • Claims-free discount: Haven’t filed a claim with The Personal for several years? You may qualify for a discount of up to 20%.
  • Alarm system: Having a burglar alarm, fire alarm, or sprinkler system in your home could save you up to 15%.
  • Leak detectors connected to a central monitoring system: Having these in your home could save you up to 5%. They can be purchased from a licensed plumber.
  • Shut-off valve with water leak detectors: Having these installed will save you as much as 10%. These devices can be purchased from a licensed plumber.
  • Pneumatic back-flow system: Having this in your home will save you 10% on the water damage (groundwater and sewer back-up) portion of your policy if you purchase this enhanced optional coverage.
  • Clean energy discount: If your residence is LEED (Leadership in Energy and Environmental Design) certified, you can save up to 10%.

One of the first things you should do in order to secure a lower rate on The Personal home insurance is to compare quotes online.

Special programs

Identity theft assistance - This service is included with The Personal home insurance policy. You can get free assistance from a lawyer to help recover your identity, or receive advice on how to prevent identity theft if it was stolen or you think it’s been stolen. However, it doesn’t cover any financial losses. Also, you will get access to a psychologist for a free one-hour telephone consultation to help with any stress that occurs as a result of your identity being stolen.

Alert program - The Personal gives policyholders free water and freeze detectors, meant to limit potential damage caused by a water leak. An alert gets sent to The Personal mobile app (available for iOS or Android devices) if the detector senses water or potential risk of freezing. You must have wifi in your home and a compatible smartphone or tablet. Additional detectors are available for $36 apiece.

Help with finding a recommended service provider - If you need work to get started quickly, The Personal has an online directory of emergency cleanup and home renovation experts in your area. The service providers offer a five-year warranty on work performed and will give you a detailed work plan so you can easily track their progress.

The Personal homeowners insurance endorsements

Home insurance endorsements help provide extra coverage for concerns that make the cost of replacing or repairing your home more than the coverage in your existing policy.

The standard water coverage The Personal’s home insurance policy offers doesn't include coverage for water damage caused by sewer back-up, water seepage or floods. For an additional fee, you can get the extra coverage.

Other endorsements include:

  • Earthquake
  • Home under construction
  • Pool and spa
  • Home business
  • Short-term rental
  • Fuel oil

Speak to your broker or agent for details.

Is there an app?

Yes, there’s an app for both iOS and Android devices. With The Personal's mobile app, you can file a claim, view or modify your policy, and get alerts for any weather systems that may damage your property.

How to submit home insurance claims with The Personal

The following section details how to contact The Personal if you hold a home insurance policy with the company.

The Personal requires you to call its claim service if you’re filing a home insurance claim. It encourages you to call if you’re unsure whether to file a claim or want to get more information regarding The Personal's home insurance coverage and your policy.

The claims advisor will need various documents, including receipts, proof of ownership, and a list of damaged or stolen property. Keep any appliances that cause a fire or water damage so it can be examined as part of your insurance claim.

The phone number to file a home insurance claim with The Personal is 1-888-785-5502, or in Quebec call 1-866-776-8343 to reach The Personal emergency’s home insurance claims centre.

You can also use the virtual assistant to get in touch with The Personal home insurance customer service. Visit The Personal’s website and click on the virtual assistant avatar in the bottom right corner.

You can check the progress of your filed claim and upload any supporting documentation online using the app.

Hours of availability:

The claims call centre is active 24 hours, seven days a week.

The online chat function is available during the following times:

  • 8:00 a.m. to 8:00 p.m. Monday to Friday
  • 8:30 a.m. to 4:00 p.m. Saturday

What else does The Personal do?

When bundling different types of insurance with The Personal, your premiums for each product will be lower. The Personal offers the following types of insurance products:

  • The Personal group tenant insurance
  • The Personal condo insurance
  • The Personal landlord insurance
  • The Personal car insurance

The Personal does not offer landlord insurance at this time.

  • Recreational vehicles
  • Travel
  • Pet

Compare The Personal house insurance quotes against Canada’s other leading home insurance providers on LowestRates.ca.

Zandile Chiwanza

Zandile Chiwanza

About the Author

Zandile is a Personal Finance Writer at LowestRates.ca. Before joining the team Zandile worked as the content editor for Real Estate Management Industry News. As a self-proclaimed budget warrior, Zandile dedicates most of her time to advocating for financial wellness.

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