{"id":14936,"date":"2026-06-16T05:01:02","date_gmt":"2026-06-16T05:01:02","guid":{"rendered":"https:\/\/youset.ca\/?p=14936"},"modified":"2026-07-21T13:48:23","modified_gmt":"2026-07-21T13:48:23","slug":"pc-home-insurance-vs-youset","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/pc-home-insurance-vs-youset\/","title":{"rendered":"PC Home Insurance vs. YouSet: Pros and Cons [2026]"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Known for its longstanding presence in the Canadian grocery industry, President\u2019s Choice ventured into the banking industry in 1998 and later into personal insurance in the early 2000s with the launch of PC Insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Today, PC Insurance offers condo, tenant, and <a href=\"https:\/\/youset.ca\/en\/home-insurance\/\">home insurance<\/a> across much of Canada. But in today\u2019s competitive insurance market, is it the right provider for you? That\u2019s a decision only you can make.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this article, you\u2019ll learn more about PC Insurance for your home, the potential pros and cons to consider, and how it\u2019s different from an <a href=\"https:\/\/www.app.youset.ca\/start?lng=en&amp;externalId=blog\">insurance broker like YouSet<\/a>. That way, you can make the most informed decision and choose a provider that matches your needs and expectations.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 id=\"h-how-is-youset-different-from-pc-insurance\" class=\"wp-block-heading\">How is YouSet different from PC Insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">YouSet combines the convenience of an online platform with the advantages of a <a href=\"https:\/\/youset.ca\/en\/blog\/perks-of-an-insurance-broker\/\">licensed insurance broker<\/a>, while PC Insurance is an insurance agent that sells home, tenant, and condo insurance policies underwritten by Aviva.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As such, there are key differences between YouSet and PC Insurance to consider, which you can see outlined clearly in the table below.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>YouSet<\/strong><\/td><td><strong>PC Insurance<\/strong><\/td><\/tr><tr><td><em>Type of provider<\/em><\/td><td>Digital insurance broker<\/td><td>Insurance agency<\/td><\/tr><tr><td><em>Products<\/em><\/td><td>Home, tenant, condo, and car<\/td><td>Home, tenant, condo, and car<\/td><\/tr><tr><td><em>Number of insurers<\/em><\/td><td>20+ insurers (<a href=\"https:\/\/youset.ca\/en\/claims\/\">Full list of YouSet insurers<\/a>)<\/td><td>1 insurer (Aviva)<\/td><\/tr><tr><td><em>Price comparison<\/em><\/td><td>Side-by-side comparison, shows multiple quotes<\/td><td>Side-by-side quotes from one insurer (Aviva)<\/td><\/tr><tr><td><em>Underwriting<\/em><\/td><td>Does not underwrite policies<\/td><td>Underwritten by Aviva<\/td><\/tr><tr><td><em>Checkout<\/em><\/td><td>Online checkout or by phone<\/td><td>Online checkout or by phone<\/td><\/tr><tr><td><em>Claims<\/em><\/td><td>Claims handled by the insurer, additional support from YouSet, as needed<\/td><td>Claims started by PC Insurance, handled by Aviva<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 id=\"h-pc-home-insurance-pros-and-cons\" class=\"wp-block-heading\">PC home insurance pros and cons<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you\u2019re a homeowner, renter, or condo owner, if you\u2019re considering PC home insurance, then it\u2019s important to understand what it offers and what it doesn\u2019t. This is key to helping you determine if it aligns with what you\u2019re looking for in a home insurance provider.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Familiar brand<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">President\u2019s Choice is a Canadian brand that offers services in banking and insurance alongside its grocery operations. Its banking and insurance arms are <a href=\"https:\/\/www.wealthprofessional.ca\/news\/industry-news\/eqb-nears-takeover-of-pc-financial-arm-after-competition-bureau-approval\/391801\">currently being acquired by EQB Inc.<\/a>, a Canadian financial services company, from Loblaw Companies Ltd.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Restricted to Aviva products and pricing<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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\u2019s products and discounts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Perks for PC Optimum Members<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Select offering of personal insurance products<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Available everywhere except Quebec&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bundling is not available everywhere<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bundling home and car insurance is a well-known way to get <a href=\"https:\/\/youset.ca\/en\/blog\/how-to-get-cheap-home-insurance\/\">cheaper home insurance<\/a>. 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.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Offers cyber insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bundling savings may be limited<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bundling home and car insurance with PC Insurance can save you money, as advertised. However, bundling with a single carrier doesn\u2019t always offer the most savings possible. Rather, a <a href=\"https:\/\/youset.ca\/en\/blog\/does-bundling-insurance-save-money\/\">mix-and-match approach to bundling<\/a>, where products and pricing from multiple carriers are considered and combined, can help you maximize your savings and find the most cost-effective solution.<\/p>\n\n\n\n\t<section id=\"post-cta-block_9ef600a383ec8cb9f71f1e6c1ef4ba68\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between items-center gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Get the best price on insurance year-after-year<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=en&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Get a quote<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\">PC vs. YouSet home insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">After getting a home insurance quote from PC Insurance, it\u2019s wise to compare quotes from an alternative provider, such as YouSet, to see if that\u2019s truly the best price you can get or if there\u2019s a better deal available.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Since 2017, YouSet has been making it easier for Canadians to <a href=\"https:\/\/www.app.youset.ca\/start?lng=en&amp;externalId=blog\">buy home and car insurance online<\/a>. 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\u2019ll also have Canada\u2019s 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.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-best-price-year-after-year\">Best price year-after-year<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">YouSet\u2019s algorithms are designed to do one thing &#8211; find you the best price. Not just the first time you buy, either. If your price increases at renewal, we\u2019ll alert you and even help you re-shop with another carrier.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-transparent-renewals\">Transparent renewals<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Anytime a YouSet&nbsp;insurance policy comes up for renewal, our team will make sure you\u2019re paying the best price possible for your policy. If that\u2019s no longer working, we\u2019ll help you re-shop another carrier for a better deal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-mix-and-match-approach-to-bundling\">Mix-and-match approach to bundling<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-1024x682.webp\" alt=\"YouSet Home and Car Insurance Bundle\" class=\"wp-image-9293\" srcset=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-1024x682.webp 1024w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-300x200.webp 300w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-768x512.webp 768w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-50x33.webp 50w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-1536x1023.webp 1536w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN-600x400.webp 600w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/YouSet-Home-and-Car-Insurance-Bundle-EN.webp 1981w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-buy-manage-and-renew-your-policy-online\">Buy, manage, and renew your policy online<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-highly-reviewed-by-canadians\">Highly reviewed by Canadians<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">With an overall <a href=\"https:\/\/www.google.com\/search?q=youset+google+reviews&amp;rlz=1C1VDKB_enCA1096CA1096&amp;oq=youset+google+reviews&amp;gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yCggCEAAYgAQYogQyCggDEAAYgAQYogTSAQg0MjEyajBqN6gCALACAA&amp;sourceid=chrome&amp;ie=UTF-8#lrd=0x4cc91be2cf84ad7b:0x343519cea81a6cc2,1,,,,\">rating of 4.8 out of 5 stars on Google<\/a>, 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.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Known for its longstanding presence in the Canadian grocery industry, President\u2019s 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\u2019s&#8230;<\/p>\n","protected":false},"author":11,"featured_media":14937,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[467,453,463],"tags":[],"class_list":["post-14936","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-condo-insurance","category-home-insurance","category-tenant-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>PC Home Insurance vs. YouSet [2026]<\/title>\n<meta name=\"description\" content=\"Considering buying PC home, condo, or tenant insurance? 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