{"id":8746,"date":"2025-12-03T05:01:34","date_gmt":"2025-12-03T05:01:34","guid":{"rendered":"https:\/\/youset.ca\/?p=8746"},"modified":"2026-05-08T13:47:42","modified_gmt":"2026-05-08T13:47:42","slug":"desjardins-home-insurance-vs-youset","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/desjardins-home-insurance-vs-youset\/","title":{"rendered":"Desjardins Home Insurance vs. YouSet: Pros and Cons [2026]"},"content":{"rendered":"\n

Desjardins Insurance, part of the Desjardins Group, is the second-largest general insurer in Canada. Underwritten in Quebec by Desjardins General Insurance Inc. and in Ontario, Alberta, and New Brunswick by Certas Home & Auto, Desjardins offers <\/span>insurance for homeowners<\/span><\/a>, <\/span>condo unit owners<\/span><\/a>, and <\/span>tenants<\/span><\/a>, along with car insurance<\/a> and a wide array of financial services and products.<\/span><\/p>\n\n\n\n

But is popularity and size enough when choosing the company that will protect what, for many, is the largest investment of their life? That\u2019s a decision only you can make.<\/span> <\/p>\n\n\n\n

That\u2019s why it\u2019s essential to do your research (as you\u2019re already doing by reading this article!) and weigh both the advantages and potential drawbacks before choosing a <\/span>home insurance provider<\/span><\/a>. <\/span><\/p>\n\n\n\n\n\n\n\n

How is YouSet different from Desjardins?<\/h2>\n\n\n\n

YouSet combines the convenience of an online platform with the advantages of a licensed insurance broker, while Desjardins is a direct-to-consumer insurer that underwrites and sells its own policies.<\/span> <\/p>\n\n\n\n

As such, there are key differences between YouSet and Desjardins to consider, which you can see outlined clearly in the table below.<\/span><\/p>\n\n\n\n

<\/td>YouSet<\/strong><\/td>Desjardins<\/strong><\/td><\/tr>
Type of provider<\/em><\/td>Digital insurance broker<\/td>Direct-to-consumer (D2C) insurer<\/td><\/tr>
Products<\/em><\/td>Home, tenant, condo, and car<\/td>Home, tenant, condo, car, recreational vehicle, travel, pet, and health<\/td><\/tr>
Number of insurers<\/em><\/td>18 insurers (Full list of YouSet insurers<\/a>)<\/td>1 insurer (themselves)<\/td><\/tr>
Price comparison<\/em><\/td>Side-by-side comparison, shows multiple quotes<\/td>No comparison, only shows one quote (their own)<\/td><\/tr>
Underwriting<\/em><\/td>Does not underwrite policies<\/td>Direct writer (underwrites its own policies)<\/td><\/tr>
Checkout<\/em><\/td>Online checkout or by phone<\/td>Online checkout or by phone<\/td><\/tr>
Claims<\/em><\/td>Claims handled by the insurer, additional support from YouSet, as needed<\/td>Claims handled directly by Desjardins<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t

Get the best price on insurance year-after-year<\/h3>\n\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\tGet 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

Desjardins home insurance pros and cons<\/h2>\n\n\n\n

Whether you\u2019re a homeowner, renter, or condo owner, if you\u2019re considering Desjardins for 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.<\/span><\/p>\n\n\n\n

Trusted name in the finance industry<\/h3>\n\n\n\n

As part of the largest cooperative financial group in Canada, Desjardins Insurance benefits from the financial stability and resources of a large and established financial institution, ensuring they can fulfill their obligations to policyholders.<\/span>\n\n <\/p>\n\n\n\n

Online checkout might be limited<\/h3>\n\n\n\n

Desjardins allows you to get a quote and, for many, to purchase home insurance online. However, a fully digital checkout isn\u2019t guaranteed. If you don\u2019t meet certain criteria, you may be prompted to call and speak with a sales representative to complete your purchase. <\/span>\n\n <\/p>\n\n\n\n

Bundle and pay one deductible<\/h3>\n\n\n\n

If you insure both your car and home with Desjardins, you’ll only pay one deductible (the higher one) if both are damaged in the same event.<\/span>\n\n <\/p>\n\n\n\n

Restricted to Desjardins products and pricing<\/h3>\n\n\n\n

Desjardins home insurance is underwritten by Certas Home and Auto in Ontario, Alberta, and New Brunswick, and Desjardins General Insurance Inc. in Quebec. <\/span><\/p>\n\n\n\n

Given that both underwriters are part of the Desjardins Group, you are confined to their products, pricing, and discounts. On the other hand, when you shop with a broker like YouSet, multiple carriers are considered, maximizing your chances of finding the best possible price.<\/span><\/p>\n\n\n\n

In-person service<\/h3>\n\n\n\n

It is becoming increasingly rare to find in-person service, and yet Desjardins continues to offer face-to-face services for those who prefer a traditional approach. Bear in mind, though, that the agents at these locations only sell Desjardins products, so it will be entirely up to you to do your due diligence and ensure you’re getting the best value.<\/span>\n\n <\/p>\n\n\n\n

Only available in a few provinces<\/h3>\n\n\n\n

Desjardins home insurance is available in some provinces but not all. As of December 2025, coverage is available to residents in Alberta, New Brunswick, Ontario, and Quebec, but not in British Columbia, Prince Edward Island, Manitoba, Nova Scotia, Nunavut, Saskatchewan, Newfoundland and Labrador, Northwest Territories, or Yukon.<\/span>\n\n <\/p>\n\n\n\n

Range of financial services and products<\/h3>\n\n\n\n

In addition to home and car insurance, Desjardins offers a range of other personal financial services, including credit cards, mortgages, loans and credit, wealth management, and group retirement savings. While the convenience of having everything with one provider can be appealing, it might not always outweigh the potential cost savings and flexibility you could find by exploring other options.<\/span>\n\n <\/p>\n\n\n\n

Bundling savings may be limited<\/h3>\n\n\n\n

Bundling home and car insurance with Desjardins can save you money, as advertised. However, bundling with a single carrier doesn\u2019t always offer the most savings possible. Rather, a <\/span>mix-and-match approach to bundling<\/span><\/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.<\/span>\n\n <\/p>\n\n\n\n

Desjardins vs. YouSet home insurance<\/h2>\n\n\n\n

After getting a home insurance quote from Desjardins, 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.<\/span><\/p>\n\n\n\n

Since 2017, YouSet has been making it easier for Canadians to 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. <\/p>\n\n\n\n

Best price year-after-year<\/h3>\n\n\n\n

YouSet\u2019s 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\u2019ll alert you and even help you re-shop with another carrier.<\/p>\n\n\n\n

Transparent renewals<\/h3>\n\n\n\n

Anytime a YouSet 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

Mix-and-match approach to bundling<\/h3>\n\n\n\n

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

\n
\"YouSet<\/figure>\n<\/div>\n\n\n

Buy, manage, and renew your policy online<\/h3>\n\n\n\n

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

Highly reviewed by Canadians<\/h3>\n\n\n\n

With an overall 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. <\/p>\n","protected":false},"excerpt":{"rendered":"

Desjardins Insurance, part of the Desjardins Group, is the second-largest general insurer in Canada. Underwritten in Quebec by Desjardins General Insurance Inc. and in Ontario, Alberta, and New Brunswick by Certas Home & Auto, Desjardins offers insurance for homeowners, condo unit owners, and tenants, along with car insurance and a…<\/p>\n","protected":false},"author":11,"featured_media":8747,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[467,453,463],"tags":[],"class_list":["post-8746","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-condo-insurance","category-home-insurance","category-tenant-insurance"],"acf":[],"yoast_head":"\nDesjardins Home Insurance vs. YouSet [2026]<\/title>\n<meta name=\"description\" content=\"Before buying Desjardins home insurance, check out this list of the potential advantages and drawbacks first.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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