YouSet vs Desjardins : Finding the best home insurance in (2023)
Desjardins, a prominent player in the Canadian insurance market, understands the importance of adapting and maintaining competitiveness. However, is prominence and adaptability sufficient when selecting a good insurance company? As the demand for affordable home insurance and convenient, easy-to-use online insurance shopping services grows, Desjardins is faced with the challenge of keeping up with these evolving consumer needs.
With rising interest rates, increasing costs of living, and busy lifestyles, it’s clear that many people are looking for insurance companies that provide cost-effective insurance policies, offer user-friendly customer support, and maintain excellent online platforms for purchasing and managing policies. Customers want affordable home insurance online without compromising quality.
That’s where YouSet insurance comes in. This innovative company has quickly become a favorite among Canadians. Thanks to YouSet’s advanced tools, people can easily find budget-friendly home insurance while maintaining high-quality coverage
- Quickly compare home insurance prices online;
- Unlock exclusive rates and discounts from top insurance companies;
- 100% user-friendly online experience;
- Save time and money;
- Get the best coverage for your needs, fast.
If you’re reading this, you might be in the process of looking for insurance for homeowners or tenants from Desjardins, or at least looking for some alternatives. Let us help you compare services, and weigh the pros and cons.
YouSet vs Desjardins at a glance
Desjardins Insurance, a renowned insurance provider, offers a variety of insurance policies including vehicle, tenant, condo, home, recreational vehicle and commercial insurance. YouSet, on the other hand, stands out as a young and innovative insurance platform, focused on finding the most cost-effective insurance solutions for its customers.
YouSet: Tenant and home insurance review
YouSet is a Canadian brokerage platform that works closely with verified insurers to simplify your shopping experience by comparing multiple insurance policies in less than 4 minutes. As insurance brokers, we’re experts in the insurance market and only work with companies that carry an excellent reputation. After a careful screening process, we give these companies an opportunity to compete for your business.
We’ll help you save up to 29% on your insurance policy and you only need to share your information once: our algorithm will study the market and match you with the best insurance policies from top insurers, helping you save on your home and tenant insurance rate.
- Access exclusive rates and discounts
We’re different, and here’s why: we unlock special access to exclusive rates and extra savings just for you! You won’t find these offers anywhere else. How do we do it? After years of crafting unique tech magic and partnering with awesome insurance companies, we’re bringing you these unbeatable offers.
- Never shop for insurance again
When it’s time to renew your policy, if your premium goes up, you can easily use our platform to find a better offer and switch in just a few clicks. Buying directly from an insurance company means facing potential price increases at policy renewal time. You’ll either have to accept higher premiums or repeat the entire process: market shopping, finding a better insurance quote, canceling, and purchasing a new policy.
- Outstanding customer reviews
If you’re serious about getting the best insurance policy for your money, don’t forget to read the customer reviews, as they provide a genuine perspective on what you’ll really be buying. YouSet boasts a rating of 4.9/5, among the highest in the entire Canadian insurance market.
- Less known by the public: as YouSet is a relatively new company, not everyone is familiar with the brand.
- Availability: YouSet is currently only available in Ontario and Quebec, but there are plans to expand to other provinces and territories in the near future..
Desjardins: Tenant and home insurance review
Desjardins Insurance is a part of the Desjardins Group, Canada’s largest cooperative financial group.
They offer standard insurance to homeowners, condo owners, and renters, covering typical incidents like fire and theft, and includes protection against water damage, a common feature in home insurance. Their cooperative model emphasizes a community-focused approach to insurance.
Their water damage protection is tiered, offering four levels of optional coverage. This customization is useful, but similar options are increasingly common in the industry.
Desjardins’ claims process is user-friendly, available online, through an app, and over the phone 24/7. They also provide an online portal and app for policy management, meeting the digital expectations of modern customers. Their Radar™ tool helps monitor weather-related risks.
Overall, while Desjardins provides essential coverage and digital management tools, they offer some unique features that set them significantly apart from other competitors in the insurance market.
- Credit score discount
Desjardins offers a discount on insurance premiums to customers who agree to a credit report review. This can be advantageous for those seeking personalized rates, as it allows pricing based on individual financial responsibility. This policy is especially attractive to customers with a good credit record who are looking for competitive insurance costs.
- Mobile app
The company has developed mobile apps that offer real-time threat assessments to alert users about potential weather-related hazards. These apps provide notifications for a variety of threats, including flooding, freezing temperatures, thunderstorms, strong winds, hail and forest fires. The goal is to help customers take preventive measures to reduce potential damage.
- Offer pet insurance
Desjardins offers a wide range of insurance coverage options, extending to various aspects of a customer’s life, including pet coverage, which caters to the growing number of people who view their pets as integral members of their family and want to ensure their wellbeing is protected.
Desjardins Insurance may be more expensive for those who are not clients of their banking services
- Low customer satisfaction score
The company’s customer satisfaction score, only 1.5 out of 5 stars on Trustpilot’“, suggests potential shortcomings in meeting policyholder expectations. This indicates a significant area where the company could improve.
- Unexpected rate hikes during policy renewals
Desjardins Insurance policyholders have raised concerns about the company’s customer service and unexpected rate hikes during policy renewals. At policy renewal, you’ll have to decide whether to accept a higher premium or look for a better quote elsewhere. If you choose to switch, you’ll need to cancel your Desjardins policy and purchase a new one. Be aware that a complicated cancellation process can further add to customer frustration.
YouSet vs Desjardins: Which home insurance should you choose?
Every insurance company has a unique strategy in terms of its business focus and underwriting criteria, often targeting different types of customers. This means that different insurers will charge different prices for the same product. They usually offer better prices to certain groups of people. So, if you’re not in their target group, you might get a higher price quote. It’s essential to explore all your options if you want a really good deal.
Get insurance quotes from different providers before making a decision. However, if you’re short on time and don’t want to fill out multiple home insurance quote forms or call several companies, our platform can do the heavy lifting for you.
Last but not least, if you ever need to make a claim and end up disagreeing with Desjardins, you will have to deal with a huge corporation that will have its own interests at heart. With YouSet, it’s different: we’ll work on your behalf, step in to communicate with the insurance company and help you get things sorted out as quickly as possible. Our team of expert brokers knows the claims process inside out, and will help you navigate the complex claims resolution process effortlessly. We’ll even offer you a free 30-minute consultation with a lawyer during your claims process, should you need it.
Have a look at our prices. Get a free quote here and a first-hand impression of what we can do for you.
More about home insurance: