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Standard coverage.


Fire damage

After your last romantic evening in, you closed the fireplace flue and then forgot to reopen it.


Smoke damage

You experienced a fire in your home and the smoke caused damage to your clothing, walls and favourite artwork.

Rain boots

Water damage

Your child flushed her rubber duckie, causing your toilet to overflow.


Wind and hail damage

The worst storm of the season hit, and the wind and hail blew off some of the tiles on your roof and damaged your siding.


Window damage

Your child was playing a game of street baseball and hit a home run straight through your window.

Police Hat and badge

Vandalism or theft

Someone broke into your home while you were on vacation and/or vandalized your home.

Penalties fines

Legal Expense Insurance

Do not let expensive legal fees prevent you from pursuing or defending your legal rights. Included at no additional cost.

Emergency Travel Medical Insurance.1

Now included in Ontario, Emergency Travel Medical Insurance with your Property Homeowner policy, as of August 1, 2020 on new policies and October 1, 2020 for renewals.

This insurance provides coverage for a medical emergency when travelling. Benefits of up to $5 million will be paid for eligible expenses incurred following an emergency resulting from a sudden accident, sickness or injury which occurs on a trip. The maximum number of days is 4 days per trip for the Multi-Trip Annual Plan. Review your property homeowner policy for coverage details and click here for the terms and conditions.

Additional coverage.

Young girl in front of dishwasher

Home Equipment Breakdown².

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.
Residential street in Ontario

Service Line Coverage².

As a homeowner, you are responsible for the underground service lines that run from the street to your home. This product protects you against losses experienced due to damage or failure of these lines.
Two girls holding hands watching the floor

CAA Water Coverage.

Currently, water damage accounts for half of all home insurance claims in Canada, due in part to incidents of severe weather. Make sure you are covered this year. 
Couple looking at documents

Home Liability Coverage.

This coverage provides protection for unintentional injuries to other people and damage to their property that occurs either inside or outside your home.
Mechanic changing car wheel

CAA Tire Coverage³.

Bundle your CAA Auto and Home Insurance policies and receive complimentary coverage for tire repairs and replacements due to damage caused by a road hazard.
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Identity Theft.

CAA Home Insurance policyholders can receive identity theft protection for just $25/year.