Is Desjardins home insurance the best for you?

James Rodriguez James Rodriguez updated on 2022-01-27

Home insurance is the best protection you can buy for your home and belongings. It ensures that your most valuable asset, the roof above your head, is protected. Yet for many Canadians, choosing home insurance can be a difficult task. Whether you are a renter, live in a condo or own a house, It may seem like there are endless options and providers of what insurance is available to you. This can be confusing and hard to understand.

To put your mind at ease, this page answers your questions about Desjardins home insurance. Read our review, get Desjardins home insurance quotes and see how the competitors fare.

Our review of Desjardins home insurance

Desjardins website has many different insurance coverage options. You have to contact an agent to get a quote and purchase your insurance, meaning you unfortunatly cannot get a quote directly online. One unique feature about Desjardins insurance is the mobile app that gives you free access to Radar, a weather alert service. It alerts you if there is a risk of severe weather that could damage your home and belongings.

Desjardins home insurance pros and cons:

Here is what HelloSafe thinks about Desjardins home insurance.

Why Desjardins may be right for you:

  • Mobile app for easy access to your insurance policy
  • Get personalized weather alert on mobile app
  • Access to the Ajusto app to get rewards on your driving habits
  • Policy covers insurance for dependent children

Why Desjardins may not be right for you:

  • Homeowners insurance cannot be purchased online
  • Repeated water seepage or leak damage not covered
  • Damage caused by landslides, tidal waves or tsunamis not covered
  • Progressive damage caused by deterioration, defects, wear and tear not covered
  • Damage caused by vermin, insects, birds, rodents, racoons or bats not covered

Coverage type

Homeowners

Condo

Tenant

Liability coverage

Fire,theft and vandalism

Accidental water leak or overflow

Flood

optional

optional

optional

Rain, snow or sleet

optional

optional

optional

Tornadoes, freezing rain, hail and wind

Fire, smoke or explosion after an earthquake

Furnitures and belongings

Building structures

Garages and sheds

Home based business and short term rental

optional

optional

optional

Condo improvements

Loss assessment coverage

Comparison of Desjardins home insurance plans

Take time to compare quotes and options before choosing home insurance with Desjardins. Picking the right insurer can save you both time and money if you ever need to make a claim.

Compare home insurance plans

Personalized quotes in seconds

What does Desjardins home insurance cover?

Desjardins offers standard coverage for homeowners, condo owners and tenants. Additional coverage options are also available for your home based business, short term rental residence, ground water and sewer backup.

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

How much does an Desjardins policy cost?

The price of home insurance coverage with Desjardins depends on the property type, your coverage needs, the insurer, the amount and much more. Since no two properties are the same, no two home insurance quotes will be identical. The only way to know for sure is by requesting quotes and comparing.

How do I purchase a plan with Desjardins?

To purchase a home insurance with Desjardins, visit their website or call 1-877-699-9923.

Before setting on Desjardins home insurance, look around! You can quickly and anonymously compare prices from leading home insurance companies.

Compare home insurance plans

Personalized quotes in seconds

How much home insurance do I need?

Your home insurance plan should be enough to cover the replacement value of your residence and provide an additional $1,000,000 to $2,000,000 in personal liability coverage.

It can be difficult to find the policy that is right for you. It's important to find the balance between the value of your insured property, your risk tolerance and your budget. Your belongings should also be taken into account. You may prefer to save money and opt for a basic plan because you do not have many valuables in your apartment. On the other hand, someone with a large house full of valuables collectibles, antiques and electronics would appreciate the peace of mind afforded by a comprehensive plan with add-ons.

To put simply, how much home insurance you need is a balance between your budget, your risk tolerance and the value of your home and belongings.

How do I contact Desjardins?

Contact Desjardins by calling 1-877-699-9923 to speak with an agent from 8:00am to 8:00pm (Monday to Friday), 8:00am to 4:00pm (Saturday).

How do I file and make a claim with Desjardins?

You can file a claim by logging into your Desjardins online service account or by calling 1-877-699-9923 if it is an emergency.

Initiate the claim by logging into your online services account. The claim advisor will need a list of damaged properties and their receipts, proof of ownership such as user manual, warranty and photograph. And in the case of a damaged appliance caused by water or fire, keep the appliance as proof.

You will be contacted within one business day and you are required to put a call through for emergencies where cleaning, disinfection or security is needed immediately.

How can I cancel my Desjardins policy?

You may cancel your auto and home insurance policy at any time by contacting a License Insurance Representative. The unused portion of any prepaid premium will be refunded on a short rate basis, as per Statutory Conditions, with some exceptions.

Can I transfer my insurer policy?

If you have moved to a new property and wish to stay with your current insurer, contact them directly. You may even get a loyalty discount for staying with the same provider. Your rates will almost certainly change as the new property will have a different risk profile and value.

Home insurance plans are not transferable from a former owner to the new one. The new owner will need to contact an insurer about their new house, condo or rental.

Can I bundle together my home and car insurance?

Insurance bundling refers to purchasing multiple types of coverage from one insurance company, like home and auto insurance. Insurers often offer a discount if you purchase multiple plans from them. It can often save up to 15-20% versus getting home and auto insurance policies from separate companies.

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