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Home insurance: Intact vs TD Insurance vs belairdirect vs Co-operators vs Sonnet

Home insurance policies differ most in water damage, overland flood and sewer backup coverage. Read those sections closely.

Feature
Intact Insurance logoHouse insurance

Intact Insurance

TD Insurance logoHome Insurance

TD Insurance

belairdirect logoHomeowner's Insurance

belairdirect

The Co-operators logoHomeowner insurance

The Co-operators

Sonnet Insurance logoHome insurance

Sonnet Insurance

Where availableNot confirmedNot confirmedNot confirmedNot confirmedBC, Alberta, Ontario, Québec, New Brunswick, Nova Scotia or PEI
Coverage includedHome protection; personal liabilityHome; belongings; additional living expenses through Million Dollar SolutionNot confirmedPersonal items; liability coveragePersonal liability; dwelling and detached structures
Optional coveragesAdditional coverage available to tailor protectionNot confirmedNot confirmedNot confirmedNot confirmed
Repair warrantyNot confirmed3-year workmanship warranty for completed repairs covered by the claim when using the vendor networkNot confirmedNot confirmedNot confirmed
DiscountsNot confirmedNot confirmedHome and auto bundlingNot confirmedNot confirmed
DetailsFull profileOfficial provider page Full profileOfficial provider page Full profileOfficial provider page Full profileOfficial provider page Full profileOfficial provider page

Our take

Compare quotes with the same replacement cost, deductible and water coverage. A cheaper quote often leaves out flood or sewer backup.

Rates and fees change. Confirm current terms on the provider's official page before applying. General information, not personalized advice.

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