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ON Renters Insurance/Co-operators

Co-operators Renters Insurance in ON (2026)

ON provincial champion

Satisfaction 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.

Estimated Renters Insurance range with Co-operators (ON)
$231 / year
Estimated range: $231–$231/yr · ≈ $19.25–$19.25/mo
Get your personalized estimate →
Type
Co-operative insurer
Channel
Advisors & brokers
Founded
1945
AM Best
AM Best A

Co-operators Renters Insurance estimates

By coverage
$25k$133–$133/yr
$50k$231–$231/yr
$100k$415–$415/yr
Insurance pricing depends heavily on underwriting details (health, driving record, property specifics), so your actual premium usually lands within this estimated range.

Where Co-operators sits in the ON Renters Insurance market

#5 cheapest of 9 quoting carriers
$231
Level with the market median
Market median
$231
Full spread
$217–$274

Compared at $50,000, taking each carrier lowest quote. Figures come from this site rate engine and move with the rate tables.

Key discounts

✓Multi-line bundle: up to 15–20% (home + auto)
✓Switch-and-save promotions (CUMIS up to 55% marketing)
✓Claims-free & loyalty discounts
✓Winter tire & driver education discounts (auto)
Pros
  • +#1 customer satisfaction & claims experience (barhoot 2026)
  • +Highest bundling savings in PolicyMe’s 2026 Ontario analysis
  • +Co-op profits reinvested in communities
Things to consider
  • −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

Highest per-month bundling savings in analysis ($71/month)
PolicyMe best home+auto bundles ON · 2026-05
Frequently ranked #1 for customer satisfaction
barhoot best car insurance ON · 2026-01
ON auto rate approval 0% (effective 2026-09-11)
FSRA rate approvals · 2026-09

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.

Other ON provincial champions
CAA InsuranceEconomical / SonnetDesjardins InsuranceIntact InsuranceAviva CanadaTD InsuranceAllstate Canada
Other lines from Co-operators
Auto InsuranceHome InsuranceCondo Insurance

Canadian insurance carriers →

Price ranges are rate-table estimates based on public industry data and regulatory approval trends; final premiums are subject to carrier underwriting.