Founded by Saskatchewan farmers in 1945, Co-operators has grown into a well-known Canadian insurance provider offering homeowners, condominium, tenant, and cottage insurance to suit a variety of living situations.
If you’re currently shopping around and Co-operators homeowners insurance seems like a viable option, it’s important to carefully weigh the pros and cons before making a final decision—just as you should with any provider.
By doing your own research and exploring alternative providers, you can find a policy that fits not only your budget but also your unique needs, giving you the peace of mind you need as a homeowner.
| Pros | Cons |
| Decreasing deductible | Restricted to Co-operators products |
| In-person service | Difficult to gauge overall customer sentiment |
| Co-operative model | Limited in-person claims |
| Free legal assistance | Inconsistent customer service |
✅ Decreasing deductible
Do you have a history of few or no home insurance claims? If so, Co-Operators will reward you each year at renewal for remaining claims-free by reducing deductibles of $1,000 or more by $100. For example, if your deductible starts at $1,000, it would drop to $900 after one claim-free year, and continue to decrease with each claim-free renewal.
❌ Restricted to Co-operators products and pricing
If you buy car insurance from Co-operators, your policy will be underwritten by Co-operators General Insurance Company — meaning you’re limited to their coverage options, pricing, and discount structure. Unlike a digital broker like YouSet, which compares quotes across multiple insurers to help you find the best deal, Co-operators can only offer what’s in their own lineup.
✅ In-person service
It is becoming increasingly rare to find in-person service, and yet Co-Operators continues to offer face-to-face services for those who prefer a traditional approach. Bear in mind, though, that the representatives at these locations only sell Co-Operators products, so it will be entirely up to you to do your due diligence and ensure you’re getting the best value.
❌ Difficult to gauge overall customer sentiment
Given that Co-operators insurance can be bought online or through local representatives, reviews may focus on individual agents or offices rather than the company as a whole. Unfortunately, this can make it tricky for you to assess the overall customer experience outside of aggregate sites like TrustPilot.
✅ Co-operative model
Co-operators operates as a co-operative, meaning it’s owned by its policyholders rather than external shareholders. This approach, with its emphasis on mutual benefits and member control, may appeal to those who value these principles in their insurance provider.
❌ Limited in-person claims
Although Co-operators advertises claims offices across Canada where you can go in person for assistance and support, the actual number of physical locations appears to be limited. In fact, as of July 2025, there is only one office in Quebec, six concentrated in major cities in Ontario, two in Alberta, and just one in New Brunswick listed on their website.
✅ Free legal assistance
With Co-operators home insurance, you get access to a free legal helpline for general advice on issues like employment, family law, and contracts. While it may be a helpful resource, it’s limited to phone consultations and isn’t a substitute for full legal representation.
❌ Inconsistent customer service
Some Co-operators customers voice their frustration online with the procedural inefficiencies of the customer service team and the varying quality of support between agents and offices.
Co-Operators vs. YouSet Home Insurance
While getting a homeowners insurance quote from Co-operators is a good starting point, the only way to know for sure if it’s the best possible price out there is to compare it with quotes from other providers, like YouSet.
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.
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.
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.
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.
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.
We do the searching, you get the savings
