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See how the home insurance discounts stack up with TD Insurance:
As a valued TD customer, you can get an exclusive discount of 5% off a new home or condo insurance policy with TD Insurance if you have one or more of the following products with TD:
Mortgage
TD Home Equity FlexLine
Personal Bank Account
Personal Credit Card
Personal Investment Product or Account
Automobile Financing
TD Insurance Life Insurance or
Accident & Sickness Insurance Policy
Plus, save an extra 10% more when you quote and buy online.2
- Get a 5% Digital Discount for completing a home insurance quote online (not applicable to Quebec). The Digital Discount will continue to apply at each policy renewal.
- Get another 5% with our Buy Online Discount. This will apply only on the premium of your first policy term when you buy your policy online.
5% off from our exclusive TD Customer Home Insurance Discount1
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Extra 5% when you quote online2
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Extra 5% when you buy online2
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Up to 15% off your new home or condo insurance policy in the first year!
Additional ways you could save on home insurance:
- Claims Free Reward: Save an average of 25% on home insurance if you're claims free4
- Alumni & Professional Preferred Rates: We offer preferred rates to over 750 groups.
- Home & Car Bundle: Combine your home and car insurance to save.
Switch today to start saving on your home insurance
Looking for car insurance savings too?
Save on your Car Insurance with the Claims Free Reward!
The Claims Free Reward is our way of recognizing your claims-free history by giving you savings of up to 35% on your car insurance.4 All TD Insurance car policies are eligible to receive these savings.
Plus, save even more when you bundle your home and car insurance.
Thinking about switching your car insurance to TD Insurance?
You could get savings based on your claims-free history with your previous insurer!
Already a TD Insurance Home Insurance customer?
If you have a TD Mortgage or a TD Home Equity FlexLine, you could get 5% off1 your existing home or condo insurance policy with TD Insurance at renewal for as long as the policy remains in effect.
If you have another eligible TD product, you could get 3% off1 your existing home or condo insurance policy with TD Insurance at renewal for as long as the policy remains in effect.
If you are paying for your insurance with a TD bank account, or have a TD Mortgage listed in your home or condo insurance policy, the discount will be automatically applied to your home or condo insurance policy at renewal.
Contact us or log into MyInsurance for more information.
1 TD Customer Home Insurance Discount
- TD Insurance refers collectively to the following insurance companies:
- Security National Insurance Company;
- Primmum Insurance Company;
- TD General Insurance Company;
- TD Home and Auto Insurance Company; and
- TD Life Insurance Company
TD Insurance home and condominium insurance policies are distributed by TD Insurance Direct Agency Inc. and Meloche Monnex Insurance and Financial Services Inc. in the province of Quebec, and by TD Insurance Direct Agency Inc. in the rest of Canada.
Eligibility
For the purposes of this "Offer" only, an "Eligible TD Customer" includes a natural person who:
- has a TD personal deposit account;
- has a TD Mortgage, a TD Home Equity FlexLine, or a TD personal loan or line of credit, secured or unsecured;
- has a TD personal credit card or other personal credit card issued by TD;
- has a TD personal investment product or account;
- has a TD automobile financing product; or
- has life insurance or accident and sickness insurance policy underwritten by TD Life Insurance Company.
This Offer is for
A) Eligible TD Customers who are new TD Insurance customers and who purchase a new home or condominium policy effective on or after January 1, 2024;
B) Eligible TD Customers who are existing TD Insurance home or condominium insurance customers who purchase a new home or condominium policy effective on or after January 1, 2024; and
C) Eligible TD Customers who are existing TD Insurance home or condominium insurance customers with a home or condominium policy effective before January 1, 2024.
Both new and existing TD Insurance tenant insurance customers are excluded from this Offer.
Application
(A) New TD Insurance Home or Condominium Insurance Customers Who Purchase a New Home or Condominium Policy Effective On or After January 1, 2024:
- Eligible TD Customers who have a TD Mortgage or a TD Home Equity FlexLine will receive a 5% discount applicable to their annual home or condominium insurance policy premium and this discount shall continue to apply, at each subsequent annual renewal, for as long as the home or condominium policy remains in effect.
- All other Eligible TD Customers will receive a 5% discount applicable to the premium for their annual home or condominium insurance policy's first term. At the first annual renewal, the value of the discount will decrease to 3% and shall remain as such for all subsequent annual renewals, for as long as the home or condominium policy remains in effect.
(B) Existing TD Insurance Home or Condominium Insurance Customers Who Purchase a New Home or Condominium Policy Effective On or After January 1, 2024
- Eligible TD Customers who have a TD Mortgage or a TD Home Equity FlexLine will receive a 5% discount applicable to their annual home or condominium insurance policy premium and this discount shall continue to apply, at each subsequent annual renewal, for as long as the home or condominium policy remains in effect.
- All other Eligible TD Customers will receive a 5% discount applicable to the premium for their annual home or condominium insurance policy's first term. At the first annual renewal, the value of the discount will decrease to 3% and shall remain as such for all subsequent annual renewals, for as long as the home or condominium policy remains in effect.
(C) Existing TD Insurance Home or Condominium Insurance Customers With a Home Or Condominium Policy Effective Before January 1, 2024
- Eligible TD Customers who have a TD Mortgage or a TD Home Equity FlexLine will receive a 5% discount applicable to their annual home or condominium insurance policy premium and this discount shall continue to apply, at each subsequent annual renewal, for as long as the home or condominium policy remains in effect.
- All other Eligible TD Customers will receive a 3% discount applicable to their annual home or condominium insurance policy premium and this discount shall continue to apply, at each subsequent annual renewal, for as long as the home or condominium policy remains in effect.
Insurance policies for vacant buildings, vacant condominiums and mobile homes are not eligible for this Offer.
The discount is applicable to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Oil Overflow or Escape.
Offer may be changed, withdrawn or extended at any time, without notice.
2 Discounts when you get a quote and buy online
• 10% Home Insurance Savings (not available in Quebec)
10% savings off eligible coverage in the first policy term is derived from a combination of two separate discounts:
- a 5% Digital Discount for completing the home, condo or tenant insurance quote online. This Digital Discount will continue to be applicable upon policy renewal.
And
- 5% Buy Online Discount in the first policy term for completing the home, condo or tenant insurance purchase online. Both the Digital Discount and Buy Online Discount are applicable to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Overflow or Escape.
3. Discounts when you buy online (Quebec only)
• 5% Savings on Home Insurance
Home Insurance: A Buy Online Discount of 5% in the first policy term will be applied to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Oil Overflow or Escape
4. Claims Free Reward
Nationally, as of May 26, 2023, new customers (with insurance policies underwritten by either Security National Insurance Company, Primmum Insurance Company, TD General Insurance Company and TD Home And Auto Insurance Company) who insured their homeowner policy with us and who met the claims-free savings criteria applicable to their province or region with regard to the number of years spent claims-free, saved an average of:
25% in Ontario
25% in Quebec
25% in British Columbia, Alberta, Saskatchewan, Manitoba, Yukon, Nunavut, Northwest Territories
20% in the Atlantic Provinces
when compared to the premium they would have paid if, within the previous 12 months, they made a claim that would have negatively affected their premium. These claims vary by province. Savings are not guaranteed and vary based on the customer's profile and province/region.
As of May 26, 2023, our customers (with insurance policies underwritten by either Security National Insurance Company, Primmum Insurance Company, TD General Insurance Company and TD Home And Auto Insurance Company) who insure their car with us and who meet the claims-free savings criteria applicable to their province or region with regard to the number of years spent claims-free, save an average of:
35%, in Ontario
15%, in Quebec
20%, in Alberta, Yukon, Nunavut and Northwest Territories
30%, in the Atlantic Provinces
when compared to the premium they would have paid if, within the previous 12 months, they made a claim that would have negatively affected their premium. These claims vary by province and product. Savings are not guaranteed and vary based on the customer's profile, province/region and product