Home & Auto Insurance

Save time and money on your home and auto insurance.

Having the right protection for your home or car is essential. CDSPI Home & Auto Insurance* provides solid protection at preferred group rates for dental professionals, their spouses and dependents—with exclusive group rates not offered to the public.


The CDSPI Home & Auto Insurance Program is underwritten by The Personal Insurance Company.

Get a Quick Quote & Lock-In a Great Rate

Even if your current home and/or auto insurance isn’t expiring soon, you can lock-in a great rate right now! Get an insurance quote and, if you agree to purchase the coverage, you can lock-in this quoted rate for when your current insurance expires—up to 12 months away (certain conditions apply).

Mowing The Lawn

Use the dropdown to select one of the following quote types: auto - quick quote, auto - detailed quote, home insurance quote, tenant insurance quote, or condo insurance quote.

Home Insurance


CDSPI Home Insurance provides coverage for:

  • Homeowners
  • Condominium owners
  • Tenants
  • Seasonal dwellings
  • Rental dwellings.

We know that each home is unique, which is why we offer customized coverage with optional protection. Along with protection from fire, theft, and liability, you can customize your coverage with optional protection, such as for swimming pools, personal watercraft, jewelry, and other valuables.

Additional savings on your home insurance if you:

  • Have been claims-free for several years
  • Have a centrally monitored alarm system installed


Plus, you’ll also receive our Identity Theft Assistance free when you insure your home with us. So, if your identity is ever stolen or you suspect that it may have been, you can access legal and psychological support to: get advice on how to prevent identity theft, ask questions about identity theft, and get help to recover your identity1.

Additional Coverage:

To meet your unique needs, you can add additional protection to your policies for:


Water damage

Our standard home policies provide basic water damage coverage for leaks from appliances, sinks, toilets and pipes – but you can add additional coverage to protect you against water infiltration through the roof, walls, windows, and foundation, as well as sewer backup.


Boats, canoes or kayaks

You can add watercraft coverage onto your home insurance policy. From motorboats to rowboats, we’ve got comprehensive coverage to protect your investment.


Jewelry and other valuables

Our standard home policies provide coverage for your furniture and belongings – but if the value of your more expensive items exceeds the standard policy limits, you can add additional coverage.

Auto Insurance


CDSPI Auto Insurance provides coverage for:

  • Cars / Light trucks
  • Motorcycles
  • Motor homes
  • Snowmobiles
  • Recreational vehicles.

Additional savings on your car insurance if you:

  • Insure more than one vehicle with us
  • Are an experienced driver with a clean driving record
  • Equip your vehicle with four winter tires

Plus, if you live in Ontario, you can enjoy a more personalized auto insurance premium when you track your safe driving habits and behaviours with Ajusto®.

How it works? Ajusto uses your smartphone's sensors to analyze your driving behaviour and habits to offer you a more personalized premium. Ajusto is available free in The Personal app.


Additional Coverage:

Accident-free Protection

If approved for this option, your first at-fault accident will be treated as though it never occurred (Certain conditions apply. This option is not available in NB, NFLD, AB and the Territories.)

$0 Deductible Option

With this option, you pay no deductible when making a claim - even if you are at fault.

Extra Benefits


Protect yourself with umbrella liability

You can purchase umbrella coverage from The Personal which provides you with up to $5 million in additional liability coverage beyond your standard home or auto policy limits – and it applies to claims arising from your car, home, cottage, seasonal property and recreational vehicles – so you’re covered from every angle.

For more information on Personal Umbrella Liability Protection and risk, please talk to an agent at The Personal about protecting yourself.


24/7 claims assistance

Both home and auto coverage provide 24/7 claims assistance. If you have a vehicle accident, you can call from the scene anywhere in North America and assistance will be provided to arrange transportation, repairs and emergency lodging. If your vehicle is repaired at an approved facility, the repairs will be guaranteed for as long as you own the vehicle.

Should you have a fire or other home disaster, immediate assistance will be provided as needed (i.e. get you to a hotel or dispatch contractors for emergency repairs to secure your property).


bundle & save

You could save up to 35% when you bundle your home and auto insurance policies with us! Get a quote to see how much you could save!

Prefer to speak with a licensed advisor? Call 1.877.277.7230.

*Restrictions may apply to advisory services in certain jurisdictions.

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To be eligible for CDSPI Home & Auto Insurance and our exclusive group rates, you must be:

  • A resident of Canada who is either practicing or retired from practicing or is eligible to be licensed to practice as a dentist in one or more provinces or territories of Canada.
  • A dental student enrolled in a recognized dental school at a Canadian university.
  • Employees and staff of an eligible dentist
  • A member or employee of a specified group within organized dentistry. Please contact CDSPI Advisory Services Inc. for more details.
  • A family member (spouse or dependant) of any person described above living in the same household as such person.

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* The CDSPI Home & Auto Insurance Program is underwritten by The Personal Insurance Company and distributed by CDSPI Advisory Services Inc.

The CDSPI Home & Auto Insurance Program is subject to certain conditions, limitations and exclusions. Products, services, savings and discounts are subject to eligibility conditions and may vary by jurisdiction. Rates and discounts are subject to change without notice. The CDSPI Home & Auto Insurance Program is not available to residents of Quebec. Auto insurance is not available to residents of Manitoba, Saskatchewan and British Columbia due to government-run plans. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails.

Ajusto is underwritten by The Personal. AJUSTO® is a registered trademark of Desjardins General Insurance Inc., used under license. The discount and the personalized premium do not apply to certain endorsements or additional coverages.

¹ Identity Theft Assistance provides a service only; it does not cover any financial losses.