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.
Get prevention discounts
The Personal offers prevention discounts when you install a water damage prevention system or a centrally monitored burglar and fire alarm system.
Get AlertTM, a free program for our home insurance clients
The Personal offers an innovative program to detect small water leaks before they turn into a flood. When you sign up for Alert, you get a free water and freeze detector that you can install in the bathroom, near the washing machine, under the sink or near the water heater. If the device detects a water leak, you’ll immediately get a notification on your smartphone.
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.
Alert and Radar are 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.
TM Alert and Radar are trademarks of Desjardins General Insurance Group Inc., used under licence.