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The Personal Home Insurance Overview
| Available in Canada? | Yes, for eligible members or employees of partner groups. |
| Available in Ontario? | Yes, when the customer belongs to an eligible partner organization. |
| Distribution | Affinity/direct distribution. The Personal sells to members and employees of partner groups without independent brokers. |
| Underwriting company | The Personal Insurance Company outside Quebec, including Ontario. |
| How to get a quote | Find the eligible group and start online, or call 1-888-476-8737. |
| How to report a claim | File online or in the app, or call 1-888-785-5502, 24/7. |
| Digital account or app | Online Services and The Personal app support documents, policy changes, payments and claims. |
How The Personal Can Insure a Home and Belongings
- The reviewed homeowners product uses all-risks coverage for most accidental damage unless excluded, together with personal liability coverage.
- Standard examples include fire, smoke, theft, vandalism, sudden accidental water escape, belongings, the dwelling, detached structures and additional living expenses, subject to the policy.
- Optional endorsements may address groundwater and sewer backup, flood from an overflowing body of water, earthquake, valuables, pools, home-based business and short-term rental risks.
- Repeated seepage, wear and tear, deterioration and some animal or insect damage are examples of exclusions. The issued policy wording prevails.
Group and Prevention Savings From The Personal
- Eligible members may receive group rates negotiated through their employer, association, union, professional organization or alumni group.
- The Personal advertises a Multi-Line Discount for combining home and auto insurance.
- A centrally monitored alarm and qualifying water-damage-prevention measures may produce savings. Eligibility and the amount saved vary by profile and policy.
How The Personal Handles Home Claims
The Personal Review Score Beside Other Home Insurers
After a company’s or main-office business profile is verified, Google ratings are connected to the business profile.
| Insurance provider | Company’s Online Rating |
|---|---|
| The Personal | 2.9/5 |
| BCAA | 2.1/5 |
| CIBC | 1.3/5 |
| Desjardins | 2.4/5 |
| TD | 1.2/5 |
The Personal: A Brief History
The Personal, established in 1974, specializes in group auto and home insurance available to eligible employees and members of employers, associations, unions, alumni associations and professional organizations with which it works.
Desjardins General Insurance Group is the parent company of The Personal.
Home and auto policies issued by The Personal Insurance Company in Ontario and in Canadian provinces except Quebec are subject to group and underwriting eligibility requirements.
What Else Does The Personal Do?
Pet and Travel Protection Plans are offered through separate programs which may be offered by a different underwriter and be subject to different eligibility requirements.
Auto and recreational vehicle insurance is offered by The Personal to eligible group members.