About CAA Home Insurance
Whether you want coverage for your house, condo, rental unit, or cottage, Home Insurance from CAA 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.
Ways To Save
Depending on your province, you may have access to these ways to save on your home insurance:
While you don’t have to be a CAA Member to get home insurance through CAA Insurance, Members can save up to 10%2 on their premium.
Depending on your province, enjoy up to 10%3 off home insurance through CAA Insurance.
Bundle your CAA Insurance’s Auto and Home Insurance through CAA to save even more. You’ll get complimentary CAA Tire Coverage4 too.
Depending on your province, enjoy up to 10%3 off home insurance through CAA Insurance.
Depending on your province, you can save up to 15%3 for having a monitored burglar or fire alarm.
Product Features
Depending on your province, you may have access to the following types of coverage:
CAA Home Insurance1: Homeowner’s insurance covers the structure of your home, your personal belongings, and any additional buildings on your property. It also provides protection for your family against legal liability for damage or injury to others and their property.
CAA Tenant Insurance1: Tenant Insurance covers your belongings, protects you from legal liability to other people and their property, and helps with living expenses if you’re forced to move out after a covered event. Optional add-ons can enhance coverage for valuables and other risks.
CAA Condo Insurance1: Condo Owner’s Insurance covers your personal belongings and protects your family against legal liability for damage or injury to others and their property. It also provides limited coverage for the interior of your unit.
CAA Cottage Insurance1: When you have a primary home insured with us, CAA Insurance can provide inclusive policies for your cottage that will meet all your needs, whether you visit the cottage only a few months a year or enjoy your retreat all year round. Depending on your province, CAA’s Cottage Insurance may also include rental coverage and limited coverage for watercrafts.
Depending on your province, the following additional coverages may be available:
•Home Equipment Breakdown Coverage5: Protect your electronics and appliances against unexpected mechanical, electrical or pressure-system breakdowns with our comprehensive and affordable coverage. Add home equipment breakdown coverage for protection against unexpected repair or replacement costs for essential systems and appliances—like furnaces, air conditioners, and refrigerators—when sudden mechanical or electrical failures occur.
• Green coverage
If your equipment needs to be replaced, we’ll provide a comparable unit with an ENERGY STAR® rating—offering improved safety, greater energy efficiency, and a reduced environmental impact.
• Off-premises coverage
Up to $10,000 coverage for loss or damage to covered property from insured “Equipment Breakdown,” even when temporarily off-site.
• Living Expense
You’re covered for hotel stays if your home becomes unlivable while your equipment is being repaired or replaced.
• Replacements
If repairs exceed replacement costs, your equipment will be replaced with a similar unit.
If you have CAA Home Insurance, you are eligible to receive Home Equipment Breakdown coverage at an additional cost.
Service Line Coverage6: Many homeowners don’t realize they’re responsible for the underground service lines connecting the street to their home. Service line coverage helps protect you from costly repairs if these lines are damaged or fail, extending your CAA Home Insurance to include underground pipes, wiring, valves, and more. Add service line coverage to safeguard your home from costly repairs to the underground lines you own—like water, sewer, electrical, and data—that standard policies may not cover.Whats included in Service Line Coverage?
• Damage to your underground service line caused by failure, including wear and tear, corrosion, freezing, collapse (excluding sinkholes), defects, and electrical or mechanical breakdown.
• Damage to wiring used for communication or data transmission.
• Additional living expenses and rental values.
• Coverage for outdoor property damaged by a service line failure or during excavation to repair the service line.
• Costs required to repair/replace the damaged covered service line that is the result of a service line failure.
• Extra costs to make temporary repairs or to expedite permanent repairs/replacements to your service line that is damaged as a result of a service line failure.
If you have CAA Home Insurance, you are eligible to receive Home Equipment Breakdown coverage for an additional cost.
CAA Water Coverage: Water damage is the #1 risk homeowners face, so make sure you’re covered. Depending on your province, CAA Water Coverage may be added through an endorsement to your property policy to provide coverage against damage caused by groundwater, surface water or a sewer backup.
CAA Insurance policyholders with sewer backup coverage automatically receive enhanced protection with the following added benefits:
• Overflow from a nearby lake or river.
• Surface water caused by a sudden weather-related event.
• Rising of the water table or ground water entering your home from a point which is below grade.
Where the risk qualifies, this coverage may be added through an endorsement to your property policy for an additional cost.
- This insurance provides coverage for a medical emergency when travelling.
- 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.
- The maximum number of days is 4 days per trip for the Multi-Trip Annual Plan.
- For terms and conditons in Ontario.
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Terms and Conditions
1Property Insurance is underwritten by CAA Insurance Company (except in Alberta, British Columbia and Quebec). Insurance is sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agency, and underwritten by various underwriters. Visit bcaa.com/underwriters for more information. In Alberta, property insurance is sold by AMA Insurance. Property insurance sold by AMA Insurance is largely underwritten by Alberta Motor Association Insurance Company (some exceptions apply).
2To qualify for the discount, you must be a current CAA Member in good standing (CAA Membership dues paid in full by membership expiry date). Subject to certain conditions and approvals. Underwriting eligibility rules apply.
3To qualify for the discount you must be a current CAA Member in good standing (CAA Membership dues paid in full by membership expiry date).
4Auto & Property Insurance and CAA Tire Coverage are underwritten by CAA Insurance Company (except in Alberta, British Columbia and Quebec). Auto and property insurance sold by AMA Insurance are largely underwritten by Alberta Motor Association Insurance Company (some exceptions apply). Tire coverage is not offered in Alberta. Not all products are available in all provinces.
5Home Equipment Breakdown Insurance is underwritten by CAA Insurance Company. Claims are administered by FM Boiler Re.
6Service Line Coverage is underwritten by CAA Insurance Company. Claims administered by CAA Insurance Company.
7Emergency Travel Medical Insurance is underwritten by Orion Travel Insurance Company. Claims are administered by Global Excel Management. Click here for the terms and conditions.
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.