About CAA Home Insurance
Whether you want coverage for your house, condo, rental unit, or cottage, Home Insurance1 from CAA5 can help you find the right coverage for you with the best benefits. Talk to a Licensed CAA Agent before you renew your current insurance policy — even if you’re with another provider. Get help finding coverage that fits your needs, if there are ways to save and if you’re getting all the benefits you deserve.
Product Features
Standard Coverage
Depending on your province, you may have access to the following types of coverage:
•CAA Home Insurance5: Coverage for your home, belongings and other buildings on your property. It also provides coverage for your family from legal liability to others and their property.
•CAA Condo Insurance5: Coverage for your personal belongings and your legal liability to others and their property, plus limited coverage for the interior of your unit.
•CAA Tenant Insurance5: Coverage for your personal belongings and legal liability to other people and their property.
•CAA Cottage Insurance5: When you have a primary home insured with CAA, CAA Insurance can provide inclusive policies for your cottage too. Depending on your province, CAA’s Cottage Insurance may also include rental coverage and limited coverage for watercrafts.
•CAA Home Insurance5: Coverage for your home, belongings and other buildings on your property. It also provides coverage for your family from legal liability to others and their property.
•CAA Condo Insurance5: Coverage for your personal belongings and your legal liability to others and their property, plus limited coverage for the interior of your unit.
•CAA Tenant Insurance5: Coverage for your personal belongings and legal liability to other people and their property.
•CAA Cottage Insurance5: When you have a primary home insured with CAA, CAA Insurance can provide inclusive policies for your cottage too. Depending on your province, CAA’s Cottage Insurance may also include rental coverage and limited coverage for watercrafts.
Additional Coverage
Depending on your province, the following additional coverages may be available:
•Home Equipment Breakdown Coverage2: This protection covers you if the freezer won’t freeze, the dryer won’t dry, or your computer no longer computes due to mechanical, electrical and pressure systems breakdown.
•Service Line Coverage2: Get help with the cost to repair lines running from your property to the street. If you have CAA Home Insurance, you can get Service Line Coverage for a minimal price per year.
•CAA Water Coverage6: Water damage is the #1 risk homeowners face, so make sure you’re covered. Depending on your province, CAA Water Coverage2 may be added through an endorsement to your property policy to provide coverage against damage caused by groundwater, surface water or a sewer backup.
•Home Equipment Breakdown Coverage2: This protection covers you if the freezer won’t freeze, the dryer won’t dry, or your computer no longer computes due to mechanical, electrical and pressure systems breakdown.
•Service Line Coverage2: Get help with the cost to repair lines running from your property to the street. If you have CAA Home Insurance, you can get Service Line Coverage for a minimal price per year.
•CAA Water Coverage6: Water damage is the #1 risk homeowners face, so make sure you’re covered. Depending on your province, CAA Water Coverage2 may be added through an endorsement to your property policy to provide coverage against damage caused by groundwater, surface water or a sewer backup.
4 Day Travel Medical Coverage3
In Ontario and Manitoba, Emergency Travel Medical Insurance is included with your CAA Insurance's Home Insurance policy as a special benefit. Up to $5 million will be paid for reasonable charges incurred following an emergency resulting from a sudden accident, sickness or injury while on a trip.
Ways To Save
Depending on your province, you may have access to these ways to save on your home insurance:
Bundle and save
Bundle your CAA Insurance's Auto and Home Insurance through CAA5 to save even more. You’ll get complimentary CAA Tire Coverage too1.
Over 50 years old
Depending on your province, enjoy up to 10%4 off home insurance through CAA Insurance5.
Mortgage-free
Depending on your province, enjoy up to 10%4 off home insurance through CAA Insurance5.
Alarm Discount
Depending on your province, you can save up to 15%3 for having a monitored alarm.
CAA Member Savings
While you don’t have to be a CAA Member to get home insurance through CAA Insurance5, Members can save up to 10% on their premium.
Underwriter Notes
Home Insurance through CAA Insurance is underwritten by CAA Insurance Company in Ontario, Atlantic Canada, Saskatchewan and Manitoba; and by BCAA in British Columbia. AMAIC is the underwriter for home insurance in Alberta.
Terms and Conditions
1Auto & Property Insurance and CAA Tire Coverage are underwritten by CAA Insurance Company. Complimentary Tire Coverage is not offered in Alberta.
2Underwritten by CAA Insurance Company, Claims administered by Mutual Boiler Re. In Alberta, Home Equipment Breakdown Coverage is not available. Service Line Coverage includes coverage for the cost to repair lines running through the insured property up to the end of the insured property line. Service Line Coverage in Alberta is underwritten by Alberta Motor Association Insurance Company (AMAIC).
3Emergency Travel Medical Insurance is underwritten by Orion Travel Insurance Company. Claims are administered by Global Excel Management. Click here for the terms and conditions.
4To qualify for the discount you must be a current CAA Member in good standing (CAA Membership dues paid in full by membership expiry date).
5In Alberta, insurance is sold by AMA Insurance. Auto and property insurance sold by AMA Insurance are largely underwritten by Alberta Motor Association Insurance Company (some exceptions apply). AMA Insurance sells life and health policies underwritten by 9 different insurers.
Certain conditions, limitations and underwriting guidelines apply. Discount(s) Subject to certain conditions and approvals. Underwriting eligibility rules apply. Not all products are available in all provinces. Discounts may vary by province.
Click here to see a list of underwriters covering various CAA Insurance products.
*For Auto, Home, Travel and Life Insurance quotes completed by phone via 1-833-673-3030. Not available in Quebec. Not available to existing policyholders. If you’re not yet a CARP member, you’ll receive a free 1-year membership plus 1-year subscription to Zoomer Magazine. If you’re already a member, you’ll receive a free 1-year renewal (combined with 1 year of Zoomer Magazine). Your renewal period will begin after your current membership expires.
BCAA Home Insurance is sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agency, and underwritten by BCAA Insurance Corporation.
2Underwritten by CAA Insurance Company, Claims administered by Mutual Boiler Re. In Alberta, Home Equipment Breakdown Coverage is not available. Service Line Coverage includes coverage for the cost to repair lines running through the insured property up to the end of the insured property line. Service Line Coverage in Alberta is underwritten by Alberta Motor Association Insurance Company (AMAIC).
3Emergency Travel Medical Insurance is underwritten by Orion Travel Insurance Company. Claims are administered by Global Excel Management. Click here for the terms and conditions.
4To qualify for the discount you must be a current CAA Member in good standing (CAA Membership dues paid in full by membership expiry date).
5In Alberta, insurance is sold by AMA Insurance. Auto and property insurance sold by AMA Insurance are largely underwritten by Alberta Motor Association Insurance Company (some exceptions apply). AMA Insurance sells life and health policies underwritten by 9 different insurers.
Certain conditions, limitations and underwriting guidelines apply. Discount(s) Subject to certain conditions and approvals. Underwriting eligibility rules apply. Not all products are available in all provinces. Discounts may vary by province.
Click here to see a list of underwriters covering various CAA Insurance products.
*For Auto, Home, Travel and Life Insurance quotes completed by phone via 1-833-673-3030. Not available in Quebec. Not available to existing policyholders. If you’re not yet a CARP member, you’ll receive a free 1-year membership plus 1-year subscription to Zoomer Magazine. If you’re already a member, you’ll receive a free 1-year renewal (combined with 1 year of Zoomer Magazine). Your renewal period will begin after your current membership expires.
BCAA Home Insurance is sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agency, and underwritten by BCAA Insurance Corporation.