Co-operators Home Insurance in ON (2026)
ON provincial championSatisfaction leader with the best bundling savings
Co-operators is a ON provincial champion: Satisfaction leader with the best bundling savings. Co-operators is Canada’s co-operative insurer and the only carrier in PolicyMe’s 2026 bundle analysis to offer identical home-and-auto bundling discounts, delivering the highest per-month savings ($71/month). It is frequently ranked #1 for customer satisfaction and claims service.
Co-operators Home Insurance estimates
Key discounts
- +#1 customer satisfaction & claims experience (barhoot 2026)
- +Highest bundling savings in PolicyMe’s 2026 Ontario analysis
- +Co-op profits reinvested in communities
- −Best rates usually need home + auto bundling
- −Fewer offices in Quebec; ON offices concentrated in major cities
- −FSRA-approved ON rate change is 0% (2026-09), so not a price-cutter for single lines
What the data says
FAQ
Is Co-operators cheaper than Desjardins in Ontario?
For bundled home+auto it can be — PolicyMe measured the highest savings among Ontario insurers. For a single auto line our estimate places it mid-pack; bundling is the way to unlock its best price.
Does Co-operators sell through brokers?
Yes — through its own advisors and independent brokers across ON/AB/SK/MB.
Price ranges are rate-table estimates based on public industry data and regulatory approval trends; final premiums are subject to carrier underwriting.