Desjardins Home Insurance Snapshot
| Available in Canada? | Yes. Desjardins offers home insurance in Canada. |
| Available in Ontario? | Yes, through Desjardins Agents and eligible online quote flows. |
| Distribution | Direct online and through local Desjardins Agents in Ontario. |
| Underwriting company | Desjardins General Insurance Inc. for the homeowners product reviewed. |
| How to get a quote | Start online or contact a local Desjardins Agent. |
| How to report a claim | File online, in the Desjardins Insurance Home-Auto app or call 1-888-776-8343, 24/7. |
| Digital account or app | Online Services and the Desjardins Insurance Home-Auto app support policy management and claims. |
Home Insurance Protection Available From Desjardins
- Homeowners insurance may cover the dwelling and belongings for common losses such as fire, theft, vandalism and certain sudden water damage, subject to policy wording.
- Personal liability is included for covered unintentional bodily injury or property damage caused to others, up to the selected limit.
- Optional water protection can address above-ground water, groundwater, sewer backup and overland flooding, depending on eligibility and the endorsements selected.
- Separate options are available for homeowners, condo owners, tenants and cottages. Limits, exclusions and deductibles differ by policy type.
Desjardins Discounts for Ontario Homeowners
- Desjardins advertises a Double Contract discount for eligible customers who insure both home and car.
- Published home savings include claims-free, centrally monitored alarm and qualifying water-damage-prevention discounts.
- Eligibility and the amount saved depend on the property, province, underwriting and policy details; savings are not guaranteed.
Starting a Desjardins Home Insurance Claim
Desjardins Home Insurance Ratings Compared
Google ratings use exact corporate or head-office profiles when one can be verified. A missing exact profile is shown rather than substituting a local branch or unrelated banking profile.
| Insurance provider | Company’s Online Rating |
|---|---|
| Desjardins | 2.4/5 |
| BCAA | 2.1/5 |
| CIBC | 1.3/5 |
| TD | 1.2/5 |
| The Personal | 2.9/5 |
Desjardins: A Brief History
Desjardins Group traces its roots to the first caisse populaire founded by Alphonse and Dorimène Desjardins in Lévis, Quebec, in 1900. Its property and casualty insurance operation began in 1944 as the Société d’assurance des caisses populaires.
The insurance business later became Desjardins General Insurance. Desjardins now distributes home and auto insurance through direct channels and Desjardins Agents, with the underwriting company identified in the product and policy documents.
What Other Insurance Products Does Desjardins Offer?
Desjardins also offers auto, recreational vehicle, pet, travel, life and health insurance products. Availability, eligibility and the underwriting company vary by product and province, so the product page and policy documents should be checked before buying.