What home insurance discounts are available?

Learn about the discounts you may be eligible for.

Discount options eligibility criteria and availability vary by province and insurer.

Multi-property Discount
If you insure all your properties with the same insurance provider, you may be eligible for savings on your premiums.

Claims-free Discount
If you’ve never made a claim, you may qualify for savings.

Non-smoker Discount
If everyone living in your home is a non-smoker, you may be eligible to save on insurance.

Age Discount
Some insurance providers offer discounts to older homeowners. The eligibility age varies between providers.

Mortgage-free Discount
If you don’t have a mortgage or a secured line of credit on your home, you may qualify for savings.

Newer Home Discount
If you have a newer home, you may save on insurance based on its age.

Stability Discount
The longer you’ve lived in your home, the more you may be able to save on your premiums.

Home Security & Fire Protection Discount
If you’ve taken steps to protect your home, like installing an alarm system or hiring a security guard, you may qualify for a discount.

Sewer Backup Prevention Discount
If you’ve installed a sump pump with an alarm or backwater valve to prevent damage from overflow, you may be eligible for a discount.