Known for its longstanding presence in the Canadian grocery industry, President’s Choice ventured into the banking industry in 1998 and later into personal insurance in the early 2000s with the launch of PC Insurance.

Today, PC Insurance offers condo, tenant, and home insurance across much of Canada. But in today’s competitive insurance market, is it the right provider for you? That’s a decision only you can make. 

In this article, you’ll learn more about PC Insurance for your home, the potential pros and cons to consider, and how it’s different from an insurance broker like YouSet. That way, you can make the most informed decision and choose a provider that matches your needs and expectations.

How is YouSet different from PC Insurance?

YouSet combines the convenience of an online platform with the advantages of a licensed insurance broker, while PC Insurance is an insurance agent that sells home, tenant, and condo insurance policies underwritten by Aviva. 

As such, there are key differences between YouSet and PC Insurance to consider, which you can see outlined clearly in the table below.

	YouSet	PC Insurance
Type of provider	Digital insurance broker	Insurance agency
Products	Home, tenant, condo, and car	Home, tenant, condo, and car
Number of insurers	18 insurers (Full list of YouSet insurers)	1 insurer (Aviva)
Price comparison	Side-by-side comparison, shows multiple quotes	Side-by-side quotes from one insurer (Aviva)
Underwriting	Does not underwrite policies	Underwritten by Aviva
Checkout	Online checkout or by phone	Online checkout or by phone
Claims	Claims handled by the insurer, additional support from YouSet, as needed	Claims started by PC Insurance, handled by Aviva

PC home insurance pros and cons

Whether you’re a homeowner, renter, or condo owner, if you’re considering PC home insurance, then it’s important to understand what it offers and what it doesn’t. This is key to helping you determine if it aligns with what you’re looking for in a home insurance provider.

Familiar brand

President’s Choice is a Canadian brand that offers services in banking and insurance alongside its grocery operations. Its banking and insurance arms are currently being acquired by EQB Inc., a Canadian financial services company, from Loblaw Companies Ltd.

Restricted to Aviva products and pricing

As of January 2025, all PC car insurance policies are underwritten by Aviva General Insurance Company. This means you are limited to the products, pricing, and discounts offered by this single insurer. Unlike brokers such as YouSet, which compare multiple insurers to help you find the best price, PC Insurance offers only Aviva’s products and discounts.

Perks for PC Optimum Members

PC Optimum members receive several benefits from PC Insurance. These include a discount on home insurance, double points on annual premiums with an eligible card, and possibly lower fees on monthly payments.

Select offering of personal insurance products

PC Insurance offers a select range of products, including car, home, motorcycle, and recreational vehicle insurance. While these cover the basic needs of most Canadians, availability can vary by province, and not all products may be offered everywhere.

Available everywhere except Quebec 

As of March 2026, PC home insurance is available across Canada, with one exception. It is not available to homeowners, tenants, or condo owners in Quebec. 

Bundling is not available everywhere

Bundling home and car insurance is a well-known way to get cheaper home insurance. Unfortunately, since PC car insurance is not available in Quebec, Manitoba, Saskatchewan, or British Columbia, you will not be able to bundle or receive a bundling discount if you live in these provinces.

Offers cyber insurance

With PC home insurance, there is optional coverage for loss or damage caused by a cyber-related event. This may interest those who conduct personal or financial activities online and want protection against computer attacks, cyber extortion, data breaches, and other digital risks.

Bundling savings may be limited

Bundling home and car insurance with PC Insurance can save you money, as advertised. However, bundling with a single carrier doesn’t always offer the most savings possible. Rather, a mix-and-match approach to bundling, where products and pricing from multiple carriers are considered and combined, can help you maximize your savings and find the most cost-effective solution.

Get the best price on insurance year-after-year

Get a quote

PC vs. YouSet home insurance

After getting a home insurance quote from PC Insurance, it’s wise to compare quotes from an alternative provider, such as YouSet, to see if that’s truly the best price you can get or if there’s a better deal available.

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.