Co-operators General Insurance
Co-operators Insurance, Co-operators, Co-op Insurance, The Co-operators Still Paying Less Than Co-operators Wanted To Charge Me in 2004

In Toronto, you basically get the house for free when you buy the land. The difference is that most houses are very small, so the rebuilding cost is lower than the price of the land.

I pay a total of $632 for $246, 000 rebuilding costs (our modest city 1 1/2 storey home is about 1000 sq ft), $210, 000 personal possession, $2 million liability and sewer backup. I had to claim on the sewer backup last year and was pleasantly surprised that the $500 deductible was waived. My coverage is up 17% and premium is up 16% from last year; lower than I expected since I lost the 5% discount for a claims free history. In the previous year, my premium had decreased by 10% for no reason that I could fathom. When I switched to from Cooperators, I saved more than 20%.

I am still paying less than Cooperators wanted to charge me on renewal in 2004.