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Desjardins Insurance: Auto & Home Insurance

Learn more about what Desjardins Insurance has to offer Canadians looking for auto and home insurance, and why they are one of the top brands in Canada.

What is Desjardins Insurance?

Desjardins Group is the largest cooperative financial group within Canada, offering personal banking and investment solutions. Its subsidiary, Desjardins Insurance, also provides a full range of insurance products – including auto insurance, home insurance, life insurance, and business insurance – to Canadians living in Alberta, Ontario, and Quebec.

Desjardins car insurance

With a Desjardin auto insurance policy, you can add optional enhancements and customize your coverage to suit all your unique needs.

Desjardins car insurance optional coverages

Aside from the mandatory car insurance coverage in your province, Desjardins also offers various optional enhancements, including:

Optional coverage



Covers you financially against vehicle damage due to non-collision related risks (e.g. theft, vandalism). 


Covers you financially against vehicle damage due to a collision. 

Family protection

Provides additional coverage for injury or death related expenses caused by an underinsured driver. 

5-year new vehicle protection

Ensures you’re paid out the replacement cost of your vehicle during a total loss claim in the first five years.

$0 deductible option

Waives your deductible in the event of theft, vandalism, or an at-fault accident.

Damage to non-owned vehicle 

Covers damage to short-term rented or borrowed vehicles in Canada and the US.

Transportation replacement 

Compensates the cost of temporary transit (e.g. rental car, taxi) while you’re waiting for your car to be fixed. 

Accident-free protection

Forgives your first at-fault accident, preventing your future rates from increasing.

Trouble-free option

A special package that includes three types of coverage: damage to non-owned vehicles, transportation replacement, and emergency road service. 

Compare car insurance quotes to find your lowest rate

In under five minutes, compare personalized auto insurance quotes from Canada’s top providers, free of charge.

Desjardins home insurance

With Desjardins Insurance, you can customize your home policy with optional enhancements to ensure you’re properly protected against all unique risks.

Desjardins home insurance optional coverages

On top of your basic home insurance policy, Desjardins also offers several unique coverage options, such as:

Optional coverage


Ground water/sewer back-up

Protects you financially against property damage due to leakage, overflow, or back-up from sewers and septics tanks.

Overland water (flood insurance)

Covers loss or damage due to overflowing water (e.g. dam break, rising sea level). 

Rain, snow, or sleet

Covers water damage to your property due to weather patterns of rain, snow, or sleet.


Provides additional coverage for your home in the event of an earthquake.

Home under construction

Insures your property for risks of vandalism and theft while it’s being renovated. 

Pool and spa

Protects you financially in the event your pool or hot tub is damaged due to cold weather risks (e.g. heavy ice). 

Home-based business/short-term rental

Covers you for at-home business activities and may insure your property while it’s rented out short-term. 

Fuel oil

Covers the cost of your contents and soil decontamination in the event of an oil spill.

Fuel oil liability 

Protects you if you’re held liable for an oil spill that damages another person’s property.

Compare home insurance quotes to find your lowest rate

In under five minutes, compare personalized home insurance quotes from Canada’s top providers, free of charge.

Frequently asked questions about Desjardins

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How do I submit a Desjardins Insurance claim?

Is Desjardins Insurance good?

Matt Hands, Business Director of Insurance

With 6+ years of experience at, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio

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