Home insurance in Ontario through CUMIS
Through CUMIS, YNCU members can get home insurance that helps protect their home, belongings, and everyday peace of mind.
Preferred rates for credit union members- Various coverage options for your home and belongings
Trusted by 65K+ members
75+ years in business
What is home insurance?
Home insurance helps protect your home, belongings, and finances if something unexpected happens. Depending on your coverage, it can help with things like damage to your home, damage or loss of belongings, certain personal liability claims, and additional living costs if you cannot stay in your home after an insured event. Through CUMIS, YNCU members can explore home insurance options designed for credit union members.
Home insurance benefits through CUMIS
Through CUMIS, YNCU members can explore home insurance that helps protect the home they love and the things that make it theirs. With options for bundled home and auto savings, claims-free savings, home claims forgiveness, and identity theft protection, there is the coverage a features that you'll love.
Home claims forgiveness
Eligible policies may include forgiveness for a qualifying first home claim, subject to the insurer’s terms and conditions.
Bundled savings
You may qualify for savings when you bundle home and auto insurance with CUMIS. Applicable eligibility conditions apply.
Claims-free savings
You may qualify for a discount based on your home claims history, subject to the insurer’s eligibility requirements.
Identity theft protection
Eligible policies include coverage for identity fraud recovery expenses at no extra cost. Policy limits and exclusions apply.
Coverage, discounts and claims forgiveness are subject to eligibility and policy conditions. Limits, exclusions and applicable deductibles apply. Savings vary and are not guaranteed.
Get a home insurance quote without a long wait
You can request a home insurance quote online through CUMIS and see what coverage could cost and look like for your home. Call us at 1-844-444-0411
Coverage for the place you call home
Home insurance can look different depending on where and how you live. Through CUMIS, YNCU members can explore home, condo, and tenant insurance options in Ontario that may help protect belongings, personal liability, improvements, and additional costs after an insured event.
House insurance
Coverage for your home, belongings, personal liability, and additional living costs if an insured event means you cannot stay at home
Condo insurance
Coverage for your belongings, unit improvements, personal liability, and costs not covered by your condo corporation’s policy.Tenant insurance
Coverage for your belongings and personal liability when you rent, even if you do not own the home you live in.
Wait, is my stuff covered too?
Commonly asked questions
Some water damage may be covered, and some may not. It depends on the cause of the damage and the coverage you choose. Ask about sewer backup, overland water, and other water coverage options when getting a quote.
Yes, bundling home and auto insurance through CUMIS may help you save, depending on your coverage and eligibility.
The cost can depend on your home, location, coverage amount, deductible, claims history, property type, and optional coverages.
A deductible is the amount you pay toward a claim before insurance helps cover the rest. A higher deductible may lower your premium, but it also means you pay more if you make a claim.
Renovations can affect your coverage, especially if they change your home’s value, layout, or risk. It is a good idea to update your insurer before starting a major renovation.
You can get a home insurance quote online through CUMIS. You may need details about your home, address, property type, current insurance, and coverage needs.
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Home insurance is underwritten by CUMIS General Insurance Company and administered by Co-operators General Insurance Company. YNCU is not the insurer.
This page provides general information only. Insurance is subject to eligibility, underwriting approval and availability. Coverage depends on the policy purchased and is subject to terms, conditions, exclusions, coverage limits and applicable deductibles. Not all losses, belongings or types of damage are covered. Optional coverage may require an additional premium.
Preferred member rates, bundled savings and claims-free discounts are subject to eligibility and insurer rules. Savings vary and are not guaranteed. A discount does not guarantee that your total premium will decrease at renewal.
Home claims forgiveness is subject to availability and the policy’s eligibility requirements and conditions. Where applicable, it may protect against a premium increase attributable to a qualifying claim. It does not guarantee that your premium will remain unchanged for other reasons.
Identity fraud coverage applies only to eligible recovery expenses, subject to the policy’s limits and exclusions. Any no-deductible feature applies only to that coverage and does not remove deductibles for other claims.
Water damage coverage varies by policy and cause of loss. Sewer backup, overland water and other water-related risks may require additional coverage or may be excluded. Confirm the protection included in your policy.
A quote does not confirm that coverage is in force. Coverage begins in accordance with the insurer’s confirmation and the policy’s effective date and conditions. Review your policy documents for complete details and contact a licensed insurance representative for advice about your coverage needs.
CUMIS® is a registered trademark of The CUMIS Group Limited.