Home > Products > Home and Property SHARE
in less than 5 minutes
to speak with an OTIP broker
Receive a $25 Amazon.ca or WINNERS | HomeSense | Marshalls Gift Card* if your insurance policy is expiring in the next 60 days and you get an auto or home insurance quote from OTIP.
As an education employee, you’re entitled to exclusive savings on home and property insurance from OTIP, with competitive rates and special discounts.
Free Benefits
Most home and property policies include the following benefits:
Guaranteed Claims Service Satisfaction If you’re not completely satisfied with our claims service and we can’t resolve your issue, we’ll refund your premium.*
*You must insure your primary residence with OTIP to qualify for this benefit
Free Assistance Program Our free Halo Assistance Program gives you unlimited telephone access to qualified lawyers, health professionals and housing specialists.
Claims Counselling Wondering how a claim might affect your premiums? Call us to find out.
24/7 Claims Service Accidents don’t always happen during standard working hours. That’s why our expert claims representatives are here to help you at any time of the day or night, seven days a week. They can guide you through the process for making a claim, replacing contents and initiating home repairs.
Add Ons
Enhance your protection with additional optional coverage.
Worry-Free Bundle The Worry-Free Bundle combines the Personal Property Claim Protector and the Disappearing Deductible into one endorsement for premium savings.
Disappearing Deductible Every year you don’t have a claim, your deductible goes down by 20%. After five years it disappears entirely!
Personal Property Claims Protector This protects your Claims Free Discount following the first claim on the protected location in a three-year period. After one claim, the Personal Property Protector endorsement must remain in place to keep your Claims Free Discount in the following term.
Identity Theft Expense Endorsement* Protect your most valuable possession – your identity. For $30 a year, you’ll receive:
READ MORE
High-Value Homes Own a higher-valued property? Get the extra protection you need, including:
Education Extra Package For $35 a year, you will receive:
Personal Umbrella† Peace of mind in case of a lawsuit — increase your liability protection up to an additional $5 million and extend coverage to include your involvement as an officer of a non-profit group. Personal Umbrella also provides additional coverage for automobiles driven outside of Canada or the U.S. Home Business Protector Your regular property insurance policy may not cover items you use to run a home business. OTIP's Home Business Protector offers coverage for:
Sewer Back-Up/Water Endorsement Coverage for sewer back-up/water varies depending on where you live. Contact an OTIP customer service representative at 1-866-561-5559 for information on different coverage levels and rates in your area. Overland Water Protection If you have sewer back-up protection, you can also purchase overland water protection. This protects your property from loss or damages should water enter your property as a result of heavy rains, spring run-off or overflowing lakes or rivers. Bylaw Coverage Municipalities sometimes enact bylaws that mandate certain rebuilding or repairs. All of our dwelling policies exclude loss or increased repair costs arising as a result. The bylaw coverage extension overrides the bylaw exclusion, up to a maximum of $100,000 and may be added to all residential policy types except Tenant insurance. Specialized Coverage for Special Needs At OTIP, we recognize certain items and situations fall outside a standard home insurance policy. That’s why our dedicated team of experts offer a wide variety of solutions to meet any need, from short-term storage and buildings under construction to vacant homes and special event requirements.
† You must insure your primary residence with OTIP to qualify for this benefit.
Discounts
Save on home insurance when you qualify for discounts.
Newer Home You may qualify for a discount if your home is less than 30 years old.
Mortgage-Free If there are no mortgages or liens on your property, a discounted rate may apply.
Claims-Free With an exemplary claims history, you’ll pay less.
Insight is our quarterly e-newsletter, bringing you special offers from OTIP along with insurance tips and features on health, education, travel, financial and lifestyle.