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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.

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How consumers review The Personal for home insurance.

ProvinceUser satisfaction rating
Atlantic/Ontario

 

 

 

 

 

Quebec region

 

 

 

 

 

Western region

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.

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