Co-operators Home Insurance Review (Updated 2024)

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Alexandre Desoutter updated on 2 March 2023

Are all home insurers the same? Not at all! While the basic structure of a home insurance policy may be almost universal in terms of its coverage and exclusions, policies differ considerably in terms of customer service, optional add-ons and the options they have for making a claim or cancelling the policy altogether.

In this review we will introduce you to Co-operators home insurance policies, explain what they cover and what they exclude and take you through how much they cost and how to buy them.

Our Co-operators Home Insurance Review

Co-operators is a well-establish old school insurance provider with a large, national network. While it may not have all of the digital conveniences of some of its newer competitors what it does have is a wealth of experience and employees who can actually be reached over the phone.

We would recommend Co-operators to anyone who prefers to speak directly to sales or claims representatives. However, younger generations who are more comfortable managing their accounts on their smartphones or through apps might find younger competitors to be offering more intuitive and reactive platforms.


  • Rates highly for customer satisfaction
  • Bundle savings
  • Many discounts available


  • Can only cancel claims over the phone
  • No app
  • Fewer add-ons than competitors

Want to see how Co-operators measures up to other home insurance providers?

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What does Co-operators home insurance cover?

Home insurance is a general term for different insurance policies that protect different types of homes. The 3 kinds of property insurance are homeowner insurance, condo insurance and tenant insurance. While these insurance policies overlap on some coverage there are features that are specific to a certain kind of home.

Co-operators home insurance covers repair costs for your property if it is damaged. For homeowners, it covers the costs of rebuilding a property and also the expenses you take on living somewhere else while rebuilding. Condo insurance by contrast offers insurance to cover communal areas. All types of home insurance cover personal liability. This means that you are protected if someone is injured on your property. Without this, you could be liable to pay compensation yourself.

Let's take a look at the coverage offered by Co-operators home insurance and see which coverages apply to which types of home insurance.

CoverageCo-operators insurance homeownerCo-operators insurance condoCo-operators insurance tenant
All risks
Water damage coverage
Extended water damage coverage
Rebuilding to code
Personal liability
Additional living expenses
Legal and home assistance
Additional living expenses
Unit improvements
Loss assessment
Common areas
Cooperators home insurance coverage

Good to know

Are you still unsure how home insurance works? Our home insurance guide has answers to your questions.

What is enhanced Co-operators home insurance?

Enhanced home insurance is a more comprehensive package of protection that you can purchase if you own your own property. You can purchase Enhanced Homeowner Insurance or Enhanced Condo insurance. It raises liability compensation limits and provides additional coverage.

Co-operators does not have an Enhanced package for tenants. However, buyers of tenant insurance can add on extra protection. Let's take a look at what TD enhanced home insurance offers.

CoverageWhat it protectsHomeownerCondo
Replacement costs for home and contents
Co-operators covers the cost of repairment
Inflation protection
Insurance limits increase with inflation
Building Ordinance
Additional coverage to comply with zoning
Additional living expenses
Covers costs if you are forced to live elsewhere during repairs
Cooperators insurance enhanced home coverage

Interested in seeing what enhanced protection other providers are offering?

Protect your home today!

Get quotes on home insurance

What optional add-ons are there?

You understand your home better than anyone and there is no one better placed to know which coverage you need. Whether you are purchasing the basic or the enhanced coverage of Co-operators home insurance there may be extra ways in which you want to be protected. We have created a table of optional add-ons below.

For example, if you care about the environment or making your home more efficient you might be interested in the Enviroguard coverage. If you live in New Brunswick you might be interested in Above-ground Water coverage.

Extra coverageWhat it protects againstCo-operators homeowner insuranceCo-operators condo insuranceCo-operators tenant insurance
Above-ground water
Damage caused by water coming through the door, windows or roof
Pays for rebuilding with eco-friendly materials
Replacement cost endorsements
Insures your home at market prices rather than the depreciated value
Cooperators extra home insurance

What does Co-operators home insurance not cover?

Every insurance policy contains exclusions that the insurance provider uses to minimize the risk to them. You should always read a contract thoroughly to make sure there are no surprises.

Below we have listed the exclusions found in the contract for the basic Co-operators home insurance package.

  • Data loss
  • Normal degradation of a property
  • Wet rot, dry rot or fungi
  • Pests and vermin
  • Damage that occurs after a property has been vacant for 1 month
  • Damage due to the purchaser's criminal activity
  • Terrorism and war
  • Nuclear incidents
  • Fraud
  • Vandalism
  • Damage done during refurbishment

Are you interested in comparing more comprehensive home insurance policies?

Protect your home today!

Get quotes on home insurance

What does Co-operators home insurance cost?

Every home insurance quote is particular to the individual conditions of a property, such as the size of the home you are insuring and your previous claim history. If you head to the Co-operators website and hit the Home Insurance tab you can open the quote portal. Co-operators will ask you the following questions about your home:

  1. What year was it built?
  2. How large is it?
  3. What type of building is it?
  4. How many levels does it have?
  5. Does it have a garage?
  6. Do you rent any of the rooms to tenants?
  7. What are the walls made of?
  8. What type of wiring does it have?
  9. What type of roof does it have?
  10. What type of heating does it have?

You can also call a sales representative directly at 1-833-314-4403.

To help you get a sense of how much Co-operators home insurance costs we have put together the following table. for a $500,000 2-bedroom house in Toronto

Home Limit
Home Deductible
Liability Limit
$1 million$1 million$2 million
Claim Forgiveness
Comprehensive Water
Detached Structures
Loss of Use
Personal Property
Voluntary Medical Expenses
Voluntary Property Damage Expenses
Cooperators home insurance cost

Want to compare Co-operators' prices to those of its competitors?

Protect your home today!

Get quotes on home insurance

Can you bundle Co-operators home and auto insurance?

Yes, bundling your home and car insurance will save you money. If you combine your Co-operators auto and home insurance you can reduce your monthly premiums and also raise the payout limits. Bundling is convenient as it reduces the paperwork you have to deal with!

Co-operators offers an auto and home bundling package that saves up to 15%

Good to know

Are you in the market for car insurance? Check out our car insurance guide to learn more and compare rates.

How to buy Co-operators home insurance?

There are two ways to buy Co-operators home insurance. You can call and speak directly to a broker on the Co-operators home insurance number: 1-833-314-4403. You can also get a home insurance quote online through the Co-operators website. Click on the Home Insurance button to open the quote portal. The site will then ask you a series of questions about your property as well as asking you to choose your deduction and liability limits.

There are discounts available if you meet any of the following criteria:

  • Claims-free
  • Age of Insured
  • Mortgage-free
  • Non-smoker
  • Stay and Save
  • First owned home

How to make a Co-operators home insurance claim?

To make a claim you can call a claims representative directly at the contact Co-operators home insurance number: 1-877-682-5246 or if you are based in Quebec call 1-877-594-2667.

Alternatively, you can use your Co-operators home insurance login to access your personal account on the website. From there you can hit the Make A Claim button which will take you to the online claims submission form. You will need your policy number as well as any professional reports you have to confirm damage to your property.

Watch out!

It is worth remembering that during and directly after severe weather events Co-operators' phone lines will be busy than normal and that claims processing may take longer than usual.

How to cancel Co-operators home insurance?

You can cancel your Co-operators home insurance policy at any time by calling them at 1-800-387-1963. You are not currently above to cancel your policy online.

Interested in an insurance provider with state-of-the-art apps and multiple avenues of contact?

Protect your home today!

Get quotes on home insurance


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Alexandre Desoutter

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

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