• CAA Distinct. Customized coverage for your unique needs and lifestyle.


An unexpected damage can be emotionally and financially devastating. CAA Home Insurance provides policyholders with valuable peace-of-mind through our 24-hour claims service. Whether you own or rent, we have the right coverage for you.

Save More on Your Home Insurance

Take advantage of the benefits of insuring with CAA:

  • Member-exclusive discount of 10%¹
  • Plus, when you bundle your Auto and Home Insurance with CAA, you’ll receive an additional 12.5% off your Home Insurance premium and a 5% discount on your Auto Insurance
  • Complimentary CAA Tire Coverage and Basic Legal Expense Insurance

You can also choose to enhance your policy with the following coverage:

  • Home Equipment Breakdown
  • Sewer Backup
  • Identity Theft

Call 1-877-665-1222 or get a quote online.


CAA Distinct™

As the value of your home and assets rises, so does the need for comprehensive, specialized coverage. CAA Distinct², through an alliance with ACE Private Risk Services®³, can provide superior protection for your home, automobiles, valuable collections, vacation properties, recreational vehicles and more.


Home Equipment

Get Home Equipment Breakdown Coverage for your electronics, appliances and everything in between. Protect against mechanical, electrical or pressure-system breakdowns – starting from just $29/year.


CAA Tire Coverage

Receive complimentary CAA Tire Coverage when you bundle your Auto and Home Insurance with CAA! You'll receive coverage for tire repairs and replacements due to damage caused by a road hazard.


Legal Expense

Don't let expensive legal fees prevent you from pursuing or defending your legal rights. Bundle your CAA Auto and Home Insurance to get complimentary Basic Legal Expense Insurance!


Homeowner Insurance

Protect the physical structure of your home, your belongings and other buildings on your property. It also safeguards your family from legal liability to others and their property.

Condominium Insurance

Protect your personal belongings and your family's legal liability to others and their property. It also offers limited protection for your unit's interior.

Tenant Insurance

Tenant Insurance insures your personal belongings and offers protection for your legal liability to other people and their property.


Identity Theft

CAA Home Insurance policyholders can receive identity theft protection for just $25/year. Call us at 1-877-222-1717 for details.


Click here to see a list of underwriters covering our various insurance products.
Certain conditions, exclusions and underwriting eligibility rules apply.

1 To qualify for the discount you must be a current CAA Member in good standing (CAA Membership dues paid in full by membership expiry date). Eligible CAA Members may qualify to receive a Member Loyalty Discount based on membership tenure and Roadside Assistance usage.

2 CAA Distinct is underwritten by ACE INA Insurance and CAA Insurance Company (Ontario).

3 ACE Private Risk Services is a division of the ACE Group of Companies.

™ CAA Distinct is a trademark of the Canadian Automobile Association.

ACE®, ACE logo®, ACE Private Risk Services®, and ACE insured.® are registered trademarks of ACE Limited.

Essential Accessibility Verisign Tico

© 2015 CAA South Central Ontario. All rights reserved. Serving Members in Southern and Central Ontario.
® CAA, CAA logo and CAA Dollars trademarks owned by, and use is authorized by, the Canadian Automobile Association. ™ CAA Rewards is a trademark of the Canadian Automobile Association.