CAA Home Insurance Review (2026)
CAA home insurance: The basics
- Founded: 1974 (52 years in business)
- Parent company: Canadian Automobile Association
- Underwriting companies: CAA Insurance Company, BCAA Insurance Corporation, Alberta Motor Association Insurance Company (AMAIC)
- Website: www.caainsurancecompany.ca
- Phone number: Use your local broker’s contact information
- Availability: British Columbia, Manitoba, New Brunswick, Nova Scotia, Ontario, Prince Edward Island, Quebec, Saskatchewan
- Home insurance products: Home, condo, tenant, and cottage/seasonal home insurance
What does CAA home insurance cover?
CAA home insurance protects you in three key ways:
- It covers the structure of your home—think frame, foundation, walls, roof, and built-in features like cabinets and home systems (e.g., electrical, plumbing) if they’re damaged by a covered loss
- It pays to replace your belongings (e.g., clothing, furniture, electronics, and more) or pay out their cash value if they’re damaged by a covered loss
- It covers your legal liability and can pay for medical bills, replacement property, repairs, and your own legal costs if you unintentionally injure someone or damage their property anywhere in the world
CAA offers all-risk home insurance, which means that your policy covers all causes of loss except those explicitly listed as exclusions in your policy documents. Common exclusions may include earthquakes, flooding, war, terrorism, and wear and tear.
Standard coverage options
All CAA home insurance quotes include the following standard coverage options:
- Liability coverage: You can choose between $1 million and $2 million of personal liability protection for unintentional injury, property damage, and/or lawsuits. If you need additional liability coverage, call a CAA representative at 1-844-747-4518 to inquire.
- Policy deductible: CAA offers deductibles of $500, $1,000, and $2,000.
- Legal expense insurance: CAA’s legal expense product is always included in home insurance policies and offers up to $250,000 in legal assistance per policy term.
- Emergency travel medical insurance: Always included in CAA home insurance in Ontario, this product offers up to $5 million for eligible expenses.
Be sure to ask about dwelling coverage, private structures coverage, contents coverage, and additional living expenses coverage when purchasing home insurance through CAA. These coverage types are standard components of home insurance, but they’re not listed in CAA’s online quoting system, so you’ll need to speak with a broker to adjust and confirm your coverage.
Optional coverage and endorsements
In addition to core coverage always included in your policy, CAA home insurance can be customized with the following endorsements:
- CAA Water Coverage: This endorsement package includes coverage for sewer backup, overland flooding, heavy rainfall, groundwater, and the rising of the water table. Limits range from $10,000 to your full policy limit, but you can remove the coverage if you choose.
- Home equipment breakdown coverage: This add-on protects your electronics and appliances against certain electrical or mechanical breakdowns. It’s not available from every insurer, so this may be a valuable add-on for some homeowners, especially if you own a smart home or have high-value home equipment such as a wine cellar.
- Service line coverage: If a service line (e.g., water main, telecommunications line) breaks down on your property, a service line endorsement pays up to $10,000 to cover repairs.
- Claim forgiveness: You can preserve your claims-free discount and avoid a premium increase after your first home insurance claim if you add this endorsement.
When you get home insurance quotes from CAA Insurance, you’ll need to provide the following information:
- The address of the home you want to insure
- The year the home was built
- The total square footage of the home, excluding the basement, garage, and unheated areas
- The type of building you’re insuring (e.g., two-storey home, townhouse, log home)
- The primary and secondary (if applicable) heating source of the home
- Whether the home is equipped with a professionally installed backwater valve, sump pump, water detection sensors, or automatic water shut-off valve
- The age of the roof
- Whether the home has centrally monitored fire or burglar alarms
- The replacement cost to rebuild your home (note: CAA will fill this information in, but you can raise the estimate)
- Your personal information, including date of birth and property insurance history
CAA home insurance discounts
CAA Insurance offers at least seven distinct discounts for home insurance:
- Auto and home bundle discount: CAA customers who bundle home and car insurance could save up to 12.5% on home insurance premiums.
- CAA member discount: CAA offers a 10% discount on home insurance to active CAA members.
- Family discount: If you have a parent, spouse, or child with an existing property insurance policy (e.g., home, condo, or tenant) from CAA, you can earn a 5% discount on your new home policy.
- Mortgage-free discount: Homeowners who have fully paid off their mortgage may qualify for a 10% discount.
- Claims-free discount: If you haven’t filed a claim for at least 5 years, you may be eligible for a discount of 15% or more.
- Homeowner age discount: If you’re over age 45, you may be eligible for a 10% discount.
- Monitored alarm discount: If you have centrally-monitored fire and burglar alarms, you could save up to 15%.
This may not be an exhaustive list of all the home insurance discounts available from CAA, since many insurers offer more discounts than they advertise. Availability and eligibility requirements may also vary by province. Work with a broker to determine which CAA home insurance discounts may be best for you.
CAA membership costs range from $30–$154/year and include a wide range of service and discounts, including 24/7 roadside assistance and retail perks. For most members, the insurance savings from CAA’s 10% member discount will more than make up for the cost of the membership.
How much does CAA home insurance cost?
Homeowners in Ontario pay an average of $137/month for home insurance from CAA, with quotes as low as $106/month for a basic policy without water coverage and as high as $167/month or more for a comprehensive policy with all available endorsements.
CAA’s home insurance pricing is based on risk and may vary based on the following key factors:
- Province: Different provinces are subject to different levels of risk exposure. In British Columbia, wildfire risk may drive up costs, while homes along the St. Lawrence River corridor in Ontario could reflect higher water damage risk.
- Home location: Your property’s proximity to fire services can influence costs, as well as property crime rates and infrastructure risks in your area.
- Home age: Older homes may be at elevated risk of severe damage compared with newer, well-maintained homes.
- Roof age: Your roof is your home’s best defense against multiple forms of damage, so a new roof may lower costs considerably.
CAA home insurance rates in Ontario
* All quotes are for a 45-year-old male applicant with a detached or semi-detached two-storey home built between 2000 and 2015 with a roof upgraded in 2020.
CAA home insurance bundled rates
To determine how powerful CAA’s bundling discounts are, we requested bundled quotes for each property with a 2019 Honda Civic Sport.
* Recommended coverage tier.
On average, bundling home and auto insurance reduced CAA home quotes by 10–12%, slightly below the advertised bundling discount of 12.5%. That’s a savings of about $14–$17 per month.
Over the course of a 25-year mortgage, CAA’s bundling discounts could save you between $4,200 and $5,100 on home insurance premiums.
The CAA home insurance claims process
If you need to make a home insurance claim with CAA, you’ll follow the process outlined below:
- Document everything: The more information you submit with your claim, the smoother the process may be. Take photos and videos, record the date and time of the incident, and provide a police report if applicable. A detailed inventory of lost and damaged property can improve your claim experience and payout.
- Secure your property: It’s your responsibility to take any necessary steps to prevent further losses, such as covering up shattered windows or replacing broken locks.
- File your claim: Report the claim to CAA as soon as possible and work closely with your adjuster to document the loss, choose a contractor, and authorize repairs.
You can contact CAA’s claims team at 1-855-744-6208 to start a claim or file online. CAA advises filing by phone for emergency claims.
Is CAA good for claims?
To evaluate how well CAA meets its customers’ needs during the claims process, we reviewed Reddit threads discussing CAA home insurance claims. Most Redditors focused on CAA’s low rates rather than their claims experience.
How CAA home insurance compares to other providers
Here’s how CAA compares to two other popular Canadian home insurance companies.
* Average monthly cost of comprehensive coverage.
** Online quoting currently unavailable in Alberta.
Is CAA home insurance right for you?
Budget-conscious shoppers and anyone looking for robust water coverage may find their best home insurance options with CAA.
Generous discounts and rates below the industry average make CAA a competitive option across Canada. Customer reports also suggest that CAA is generally good at handling property insurance claims. That said, understanding CAA’s coverage may be difficult if it’s your first time buying home insurance or you’re not familiar with the industry terminology. Work closely with your broker when considering this coverage to make sure you have the protection you need.
FAQ: CAA home insurance
This article is for general information only and is not insurance or legal advice. Examples and any sample quotes or rate ranges are illustrative and do not constitute an offer or guarantee of coverage, price, or eligibility. Actual coverage, discounts, and premiums depend on your individual circumstances and the insurer provider; if there is any discrepancy, your policy and insurer documentation govern. For advice about your situation, speak with one of our licensed insurance professionals.