Home insurance for homeowners

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Insurance type

As a homeowner and member of a group insured with The Personal, you can get all-risk insurance to protect your property against most accidental damage and liability coverage to protect you in the event of injury to others or damage to their property.

Protect your home with all-risk insurance

When you take out a home insurance policy with us, your residence, detached private structures (such as sheds) and personal property are protected against common risks like fire, theft and vandalism. You’re also covered if a pipe suddenly bursts or a household appliance (such as a dishwasher) breaks and causes water damage in your home.

Our all-risk insurance also covers:

  • Accidental damage (such as a paint spill on carpet)
  • Additional living expenses in the event of major damage following an insured loss (i.e., what you pay out of pocket if you have to relocate after a fire while your home is being repaired)

We also insure condominium units, apartments and secondary residences.


While doing laundry, Simon knocks over a bottle of bleach that spills onto the floor and all over his clothes. Not only are his clothes ruined, but his wood floor is seriously damaged. His all-risk home insurance policy will cover the costs of repairing the damage.

Protect your assets with liability coverage

Liability coverage protects you if you accidentally injure another person or damage their property. For example, if:

  • A fire in your house spreads to your neighbour’s home
  • A visitor slips on your icy stairs and breaks their leg
  • Your dog bites a houseguest

Without this coverage, your finances could be put in jeopardy if you’re sued. Most policyholders opt for $1 million in liability insurance, though under certain conditions you can choose up to $5 million.

Did you know…

When you travel, your home insurance policy provides property and liability coverage no matter where you are.

Customize your insurance

H2O+ Protection

Add coverage for damage caused by sewer back-up, water seepage and flood

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Get coverage for your home and property against damage caused by earthquakes

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Outdoor swimming pools, hot tubs and saunas

Protect your pool, hot tub and sauna against damage caused by freezing or the weight of ice or snow

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Fuel oil spills

Protect your property against spills from your oil tank

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Take advantage of our assistance services

With home insurance from The Personal, you get access to the following assistance services:

Identity Theft Assistance

Get help from a team of qualified professionals if your identity is stolen.

  • Available 24/7
  • Included with your home insurance policy
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Legal Assistance

Get advice from a lawyer in all areas of law (except criminal and tax law) at no extra charge.

  • Unlimited call time
  • Included with your home insurance policy
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Get peace of mind with this unique home monitoring program that offers protection against fire and theft.

  • Get a special rate of $12.951 per month (plus taxes)
  • Save up to $150 when you purchase a Chubb Edwards alarm system
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Prevent water damage with a shut-off valve system and water leak detectors.

  • Save up to 10% on your basic home insurance premium
  • Save $120 when you purchase a leak prevention system from HydroSolution2
Learn more
  • The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.
  • ® TeleWarn is a registered trademark of The Personal General Insurance Inc.
  1. Taxes are not included. Rate subject to change.
  2. An anti-leak system with automatic water shut-off must be purchased from the HydroSolution supplier. This offer may be modified or cancelled without notice. The Personal shall not be held liable for any damage arising from the installation or malfunction of any product referred to herein.