Is TD 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 TD home insurance. Read our review, get TD home insurance quotes and see how the competitors fare.

Our review of TD home insurance

You can quickly get a TD home insurance quote in few minutes on their website or retrieve previous quotes. They provide home, travel, auto and life insurance coverage that can be customized to suit a range of needs. Their Million Dollar Solution is a nice insurance product covering homes, detached structures, personal belonings, additional living expenses, clean-up costs and rebuilding expenses up to a global amount, rather than imposing limits to specific categories.

TD home insurance pros and cons:

Here is what HelloSafe thinks about TD home insurance.

Why TD may be right for you:

  • Mobile app for easy access to you policies and get your pink card
  • Personalized coverage asessment that fits your needs
  • Discounts on home and auto insurance purchase
  • Short-term rental coverage available (Airbnb)

Why TD may not be right for you:

  • Seasonal home insurance not available

Coverage type




Personal property

All risk coverage

Additional living expenses

Personal liability

Replacement cost



Deductible waivers


Condo improvements

Loss assessment coverage for liability

Comparison of TD home insurance plans

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

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What does TD home insurance cover?

TD insurance offers home, condo and tenant insurance. The standard policy covers your personal liability, belongings and additional living expenses. TD insurance also offers enhanced home coverage with optional add-ons to suit your unique preferences and needs.

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

How much does an TD policy cost?

The price of home insurance coverage with TD 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 TD?

To purchase home insurance with TD, visit their website or call 1-855-892-0407.

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

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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 TD?

TD home insurance contact number is 1-866-361-2311. You can call them anytime Mondays through Fridays from 8:00am to 8:00pm and on Saturdays from 9:00am to 4:00pm.

How do I file and make a claim with TD?

You can submit a claim through your TD insurance app or by contacting TD's home insurance phone number at 1-888-773-7022. An insurance advisor will be dedicated to working with you through your claim.

How can I cancel my TD policy?

If you would like to cancel your TD Insurance policies, call your insurance representative.

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.