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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
Google ratings use exact corporate or head-office profiles when one can be verified.
| 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 was founded in 1974 as a group home and auto insurer. Its model gives eligible employees and members access through partner employers, associations, unions, professional organizations and alumni groups.
The Personal is part of Desjardins General Insurance Group. In Ontario and other provinces outside Quebec, home and auto coverage is written by The Personal Insurance Company, subject to group and underwriting eligibility.
What Else Does The Personal Do?
The Personal also offers auto and recreational vehicle insurance to eligible group members. Pet and travel products are available through separate programs and may use different underwriting companies and eligibility rules.