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Get rewarded on your home insurance for being claims free
We believe homeowners should be rewarded on their home insurance for being claims-free.
That’s exactly why we offer the Claims Free Reward, with average savings of 25%† for new claims-free home insurance customers. The longer you stay claims-free, the greater the reward.
Thinking about switching to TD Insurance? Don't worry, you'll be rewarded with savings based on your claims-free history with your previous insurer.
How Claims Free Reward works
Depending on how long you've been claims-free with TD Insurance or your previous insurer prior to signing up with TD Insurance, your savings are automatically applied if eligible.
With each year that you remain claims-free, you'll continue benefiting from the Claims Free Reward upon renewal.
How to qualify for the Claims Free Reward
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If you're new to TD Insurance and haven't had any home claims in the past year, you will automatically start benefitting for being claims-free.
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If you're an existing customer and haven't made any home claims or used TD Insurance Claims Forgiveness on your prior claim, you will automatically continue benefiting from the Claims Free Reward.
Ways to save on home insurance
Steps to buy and save on home insurance online
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1 . Start a quote
Take a few minutes and answer some questions to get an accurate quote based on your needs. Your information is kept completely confidential.
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2. Customize your coverage
With your quote done, you can adjust things such as deductible amounts and coverage limits to best suit your needs.
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3. Complete your purchase and start saving
Once you’ve finished the checkout process, your Claims Free Reward will be automatically applied to your policy. That’s it!
Frequently asked questions about home insurance
Find home insurance that fits your needs
Learn all about TD Insurance home insurance products, including home, condo and tenant insurance.
Saving on home insurance starts with a quote
Curious about how much you could save on home insurance with TD Insurance? Start saving just for quoting and buying online.
The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.
In the case of conflict between the content on this page and your policy wordings, your policy wordings shall take precedence. Please speak to an Advisor or consult your policy wordings for further details.
† Nationally, as of April 26, 2024, 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%, expressed regionally as:
30% in Ontario
25% in Quebec
25% in Alberta
25% in British Columbia, 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.
‡ Nationally, as of April 26, 2024, 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, saved an average of 30%, expressed regionally as:
35% in Ontario
15% in Quebec
25% in Alberta, Nunavut, Northwest Territories and Yukon
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. Savings are not guaranteed and vary based on the customer's profile, province/region and product.
Mailing address:
TD Insurance (Corporate Secretariat)
50, Place Crémazie
12th Floor
Montreal (Quebec) H2P 1B6