How to save on your home insurance premium
While shopping around for home insurance, you may have noticed that premiums have gone up.
Why? More extreme and frequent weather events are resulting in more claims. So, how can you reduce your premium? Here are some simple things you can do.
Opt for group insurance
If you’re part of an organization, union, professional order, association or company that has an agreement with us, you could get an exclusive group rates on your home insurance. Try our group search to see if you’re eligible.
Take measures to protect your home
When you take preventive measures, you save on your insurance premiums through the various discounts we offer. You also minimize repair costs and avoid the inconvenience that comes with a home insurance claim.
Protect your home alarm system
The Personal offers The Personal offers a prevention discount if you have a centrally monitored burglar and fire alarm system installed in your home.
Get a water damage prevention system
The Personal offers discounts when you have one of the following water damage prevention systems installed in your home: an automatic valve shut-off system, leak detectors connected to a central monitoring system or a pneumatic backflow system.
Get RadarTM to receive alerts when severe weather may damage your property
Radar is free for everyone; you don’t need to be insured with The Personal to use it. It gives you advance warning about weather risks within 500 metres of your home. Just enter your address in Radar and get safety tips for hailstorms, heavy rainfalls, high winds, tornadoes and hurricanes.
Radar is available through The Personal app. Download it for free!
Save, thanks to your good record
Fewer home insurance claims means lower premiums. And you’ll get a great discount if you haven’t made any claims in the past few years.
Increase your deductible
The deductible is the amount you pay when you make a claim.
The higher your deductible, the lower your premium. It’s a basic principal of insurance.
The information provided is meant to be illustrative only and does not constitute or replace the advice of experts.
Conditions, exclusions and limitations may apply.
RadarTM is a trademark of Desjardins General Insurance Group Inc., used under licence.