Reliable coverage for Canadians
Whether you’re a homeowner, condo owner or tenant, Duuo by Co-operators has got you covered. Get a free quote now.
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What is home and property insurance?
Home and property insurance protects your home and its contents against risks like fire, lightning, and other potential incidents that may require repair or replacement.
Own a condo?
Offering similar advantages to our home insurance, our condominium coverage includes essentials like your responsibility for common area damage, coverage for unit improvements, and help with shortfalls in your condo corporation’s policy.
Rent your home?
Tenant insurance is designed to cover the cost of replacing or repairing contents in your rental, along with your personal liability. Protect your rental in minutes with our tenant insurance coverage, which can be customized for almost any situation.
Why Duuo by Co-operators?
Underwritten by Co-operators, we offer homeowners a range of unique benefits:
Terms and conditions apply.
One-of-a-kind flood coverage
Protect your home from water damage caused by flooding.
Shrinking deductible
For deductibles starting at $1,000, your deductible drops by $100 each claim-free year.
Reliable customer support
We’re here for you! Whether you have a claim or need a policy question answered, our licensed reps are here to help.
Claims counselling
Speak to a licensed representative before claiming, with no impact to premiums if you choose not to proceed.
Commitment to sustainability
Our claims processes aim to minimize environmental impact, while our coverage helps you rebuild with sustainability and resilience in mind.
Looking to save? Bundle on home and auto!
Save up to 15% on your insurance when you bundle your home and auto policies with Duuo by Co-operators*.
*Savings vary by province and by individual insurance profile, and may be greater or less than the advertised rate. Advertised bundle includes a welcome discount for new customers purchasing homeowners insurance. Conditions, limitations, and exclusions apply.
Got questions? We have answers
Check out the FAQs below or use our chat tool to reach out to our customer support team.
How do I reduce my home insurance premiums?
You can help lower your home insurance premiums in several ways:
- Increase your deductible
- Maintain your home by replacing older roof or siding
- Safeguard it by installing various recommended safety features
- Bundle all your insurance through one company, and stay mindful of the area you’re buying in.
How are home insurance rates calculated?
Insurance rates/premiums are based on risk, or the potential that someone has to make a claim. To set rates, we study claims histories of groups of people with similar characteristics and then add information about your particular history to determine the exact premium.
Will a credit inquiry affect my credit score?
No. The presence of a “soft” credit inquiry will not impact your credit score. While all inquiries are recorded on your personal credit report, a credit score inquiry for insurance purposes will not impact your credit score.
What impacts my home insurance premiums?
The main factors used to determine your home insurance premium are specific to your situation and may include your age, credit score, property size, features and location of your property.
How does credit score impact a client’s premium?
The factors used to determine the premium a client pays for their home insurance are specific to individual coverage needs. The premium amount is directly related to several main rating factors, including:
- the age, size and features of your home
- the materials used to build your home
- the estimated cost of reconstruction
- where your home is located
- your property claims history
Can my roommate and I be covered under the same home insurance policy?
Yes, but we recommend that each of you have your own policy.
Am I liable if someone gets hurt on my property?
You would only be liable if you were found legally responsible for the injury.
I'm doing renovations around my house. Should I tell my insurance company?
Yes, it is a good idea to advise your insurance company when completing renovations to your home. Depending on the renovations completed, the replacement value of your home may need to be adjusted.