In 1974, fifty years ago, CAA expanded its services beyond advocacy and roadside assistance to include insurance options for Canadians. Today, those renters have CAA tenant insurance. Does that mean you should? The answer is it depends.
So, before you go ahead and purchase a policy, it’s important that you weigh the potential pros and cons of CAA tenant insurance so that you can decide whether an alternative provider, like YouSet, might be a better match for your needs.
Pros of CAA Tenant Insurance
As you explore your insurance options as a renter, consider what each company has to offer you, for example, you will find some of the potential advantages of choosing CAA tenant insurance. The one you end up going with should ultimately align with your specific needs and provide you with the peace of mind you seek in protecting your belongings and living space.
- Well-Known Provider: CAA is a household name in Canada and is well-known for its extensive range of services, including roadside assistance, travel planning, insurance, and advocacy for motorists and travelers.
- Membership Discount: Canadians who are already CAA members are eligible for discounted rates when purchasing CAA tenant insurance.
- Diverse Product Offering: CAA offers a range of insurance products beyond just tenant insurance, including travel, life, health and dental, property, and car insurance, making it a one-stop solution.
Cons of CAA Tenant Insurance
Despite its popularity and discounted rates for members, CAA Insurance, like any provider, has its drawbacks. Depending on your needs and preferences, you may see those drawbacks as either not a big deal or as a dealbreaker. That’s why it’s important to carefully weigh the pros and cons of CAA tenant insurance before you sign on the dotted line.
- Limited Online Checkout: Although getting a quote online is possible in some regions, you will likely need to call CAA and speak to a sales representative to purchase a policy.
- Decentralized Structure: CAA Insurance consists of regional clubs, such as South Central and North & East in Ontario. As a result of this decentralized structure, the range of products and discounts available may differ depending on your location.
- Poor Reviews: CAA Insurance’s customer satisfaction ratings indicate that there is room for improvement. As of May 2024, they had a customer review rating of just 1 out of 5 stars on Better Business Bureau and 1.4 out of 5 on Finder. This rating reflects a general customer sentiment, which you may want to factor into the decision-making process.
- Inconsistent Customer Service: In their Google reviews, some customers express frustration with the response times and procedural inefficiencies of CAA’s customer service team.
CAA vs. YouSet Tenant Insurance
If the disadvantages listed above have you reconsidering your options, rest assured that there are alternatives to CAA tenant insurance.
Take YouSet as an example. Our mission is to make it easier than ever for you to find the best tenant insurance, at the cheapest price. Our technology does all the work of comparing rates from multiple insurance companies and finding exclusive discounts for you, all in less than four minutes. If you’re happy with the quote you receive, you can then checkout, modify your policy, ask questions about it, and even renew it 100% online.
If that’s not enough, here are a few noteworthy benefits of YouSet tenant insurance.
The Benefits of YouSet Tenant Insurance
Highly Reviewed by Canadians: With an outstanding rating of 4.8 out of 5 stars on Google, YouSet is thankful for all the customers who have taken time out of their days to leave positive feedback. We invite you to explore these reviews firsthand, as there’s no greater reassurance than knowing you’re entrusting your insurance needs to a company that consistently exceeds expectations.
Affordable Rates: YouSet tenant insurance starts at just $12 a month, which means you can have the peace of mind of knowing you’re protected without breaking the bank.
Responsive Customer Support: Compared to larger insurance companies where customer support can feel bureaucratic and impersonal, YouSet’s dedicated and compassionate customer support team is just a click, email, text message, or phone call away when you need them.
Exclusive Discounts: YouSet unlocks access to exclusive discounts and rewards that no one else gets access to. In fact, on average, our customers save up to 29%!
Buy, Manage, and Renew Online: How much easier would it be if you could purchase a policy, personalize it to fit your needs, make modifications to it, and renew it, all without having to make any phone calls or sit on hold? So much easier. Fortunately, as a YouSet customer, you can do all that and more through your online account.
Complimentary Legal Support: If you ever need to file an insurance claim, our team of expert brokers will be by your side to navigate the complex claims resolution process. We even offer our customers a free 30-minute consultation with a lawyer during the claims process, should you need it.
Conclusion
Every insurance company has its advantages and disadvantages. Your goal is to choose the one that offers you the best coverage for the lowest price. While that might not be the same company your friends and family recommend, as long as you’re confident in the benefits they provide, it’s the right decision for you.