Meet The Personal, one of Canada’s top home insurance providers.

As a group insurer, 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%.

Identity theft assistance - This service is included with your 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.

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.

Submitting a claim with The Personal can be done in one of two ways. You can either fill out an online form or call a claims advisor. 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.

Phone:

Call 1-888-785-5502, or in Quebec call 1-866-776-8343

Online:

Through The Personal's website

App:

Using The Personal's app

Hours of availability:

24-7, all year-round

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:

• Home/condo/renter
• Auto
• Recreational vehicles
• Travel
• Pet