Accessibility Quick Links
We’re committed to supporting you through the COVID-19 disruption. We're here for your home and auto insurance concerns
You could save $625 or more
Switch both your home and auto insurance to the CIBC Home and Auto Insurance Program†.
Claims-Free Discount
Save up to 20% if you have been claims-free for the past 7 years**.
The CIBC Home and Auto Insurance program is underwritten and distributed by Certas Direct Insurance Company in Ontario and by The Personal Insurance Company in all other provinces and territories except Quebec. In Quebec, the Program is underwritten by The Personal General Insurance Inc. and distributed by CIBC Insurance Agency Inc.
Property Types
Insurance coverage that’s built for your unique needs
Property insurance not only provides coverage for fire, theft, vandalism and other hazards, it also covers injuries that someone may suffer as a result of an accident in your home. Insurance is available for various types of properties:
House
Provides protection for the exterior and interior of your home, and yourself from personal liability
Condo
Get coverage for your personal possessions, upgrades you have made to your condo unit and personal liability
Rental
Protect your personal belongings and personal liability – landlord policies do not cover tenants’ personal belongings
Cottages, seasonal property, rental property, boats and valuable items such as jewelry, fine art or other collectibles are also insurable.
Coverage
Coverage customized for you
Property Damage
- Your residence and outbuildings, such as your garage and shed
- Personal belongings against accidental damage such as fire, theft, and vandalism
- Personal belongings against accidental damage such as fire, theft and vandalism
- For condo unit owners: upgrades you make to your unit, e.g. hardwood floors
- Ask about additional coverage to protect your property against water damage. Get more information about things like sewer back-up, water seepage and overland floods. Call 1-855-964-2082.
All insurance policies have exclusions such as normal wear and tear, gradual deterioration or mechanical failure. Some exclusions, for example, earthquake, seepage, sewer back-up and floods can be insured with optional protection if eligibility requirements are met.
Liability
Coverage that protects you if:
- You’re responsible for accidentally damaging the property of others, or
- You unintentionally cause injury to others
Most policyholders choose $1 million in Liability insurance coverage, but you may increase your coverage up to $5 million under certain conditions.
A benefit at no additional charge
A service that provides you with access to a team of professionals that can support you throughout the identity recovery process.
If you are the victim or believe you are the victim of identity theft, our Identity Theft Assistance can provide:
- Advice on identity theft prevention tips
- Answers to any legal questions related to identity theft
- Assistance on restoring your ID
Available 24 hours a day, 7 days a week. All calls are confidential.
Savings
Ways you can save
Insure both your home and auto together to save on your insurance premium
Applicable for homeowners, condo-owners, and tenants
Discount is calculated on your property insurance premium
Save up to 20% on your home insurance if you are claims-free
Save up to 15% on your home insurance with Security Systems Savings if your home has a monitored fire alarm, a burglar alarm and automatic sprinklers.
10%
Benefit from a 10% savings if your property is LEED-certified for meeting the LEED environmental standards
Applicable for homeowners only
Legal:
**Certain conditions apply
Get a quote
Get a fast quote for your home insurance needs
- Square footage of the ground floor or its dimensions
- The number of storeys
- The type of exterior siding
- The type of roofing material
- For condo unit owners and tenants: the value of the contents you wish to insure
- Age of the dwelling and year it was built
- Details about any type of major upgrade or renovation
- Your current insurance company and policy information, if applicable
- Details of prior claims, if any