In 1974, 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.
As you explore your insurance options as a renter, consider what each company has to offer you. 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.
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.
❌ 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.
✅ 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 travellers.
❌ 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.
✅ Membership discount
Canadians who are already CAA members are eligible for discounted rates when purchasing CAA tenant insurance.
❌ Limited online reviews
Since CAA operates through a network of regional clubs, online reviews can vary widely. For example, CAA South Central Ontario has a rating of 1.9 out of 5 stars on TrustPilot, which might inform your decision if you’re buying from that specific club, but not necessarily if you’re located in another part of the country.
✅ Diverse product offering
CAA offers a range of insurance products beyond just tenant insurance, including travel, life, health and dental, homeowners, and car insurance, making it a one-stop solution.
❌ 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.
Since 2017, YouSet has been making it easier for Canadians to buy home and car insurance online. Why spend hours manually comparing quotes when our proprietary technology can do it all for you in less than 4 minutes? Not only that, but we’ll also have Canada’s top insurance providers competing for your business, ensuring you get the best price year after year. With over 300,000 users and an average online review rating of 4.9 stars, YouSet is a broker well worth considering.
Best price year-after-year
YouSet’s algorithms are designed to do one thing - find you the best price. Not just the first time you buy, either. If your price increases at renewal, we’ll alert you and even help you re-shop with another carrier.
Highly reviewed by Canadians
With an overall rating of 4.8 out of 5 stars on Google, the general consensus among YouSet users is that YouSet is making it easier to find affordable insurance and buy it online at the best price year after year.
Transparent renewals
Anytime a YouSet insurance policy comes up for renewal, our team will make sure you’re paying the best price possible for your policy. If that’s no longer working, we’ll help you re-shop another carrier for a better deal.
Buy, manage, and renew your policy 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 wait on hold? With YouSet, you can do all that and more with our self-serve features.
Mix-and-match approach to bundling
YouSet is the only digital broker in Canada that automatically compares the cost of bundling home and car insurance from a single carrier against the cost of mix-and-matching home and car carriers. Whichever option offers the maximum savings is the one we present to you.
Next steps
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.