Home Insurance: feel secure at home
With a monthly payment of 355 CAD/month over 72 months, Marc and Christine were able to borrow 20,500 CAD at 7.69% for a total amount due of 25,500 CAD and complete their master bedroom suite.
Whether you own or rent your home, for your primary or secondary residence, with the Commasotto
Personal Renovation Loan, you can finance the decoration or improvement projects you desire. Count on
our personal financing expertise to help you bring your vision to life with complete peace of mind.
Already have an idea of the amount you need for your upcoming project? Unlocking the necessary funds
(1) has never been easier! Simulate your loan now and get an immediate preliminary response. Discover
all the advantages of the Commasotto Renovation Loan!
Your home is ready – but is it protected?
Owning a home is exciting, but life can be unpredictable. Protect your investment and your loved ones with comprehensive home insurance in Canada, covering your property and belongings in CAD against unexpected events like fire, theft, or water damage. Choose a plan that suits your needs and enjoy peace of mind knowing your home is secure. Ready to safeguard your home today?
The Benefits of Our Home Insurance
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Personal home improvement loan from CAD 7,500 to CAD 80,000
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Repayment period from 12 to 120 months
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Funds received within 48 hours(1) directly to your bank account
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Fixed interest rate for the entire duration of your loan
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100% online loan with no administrative fees
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Monthly payments adaptable to your needs, adjustable on request
Practical Tips for Protecting Your Home
For Projects as Unique as You
No matter your situation—whether you live in a house or an apartment—Commasotto Home Insurance helps you safeguard your home while undertaking improvements or renovations. Benefit from coverage that protects your property and your investment: upgrade insulation, install new windows to brighten your rooms, renovate the kitchen or living areas, or even modernize your heating system. Know your budget? Curious about the coverage you could secure? Explore our insurance options and get started with peace of mind.
It’s About Time You Took Action!
Commasotto offers flexible home insurance plans to match your project needs. Whether it's home renovations, installing solar panels, adding a wood-burning stove, insulating your attic, or replacing your roof, every project is unique. Choosing the right contractor, company, and coverage is essential. Before you begin, check our practical information to make informed decisions.
A Clear Example of Home Insurance Coverage
Insured Property Value
15,000 CAD
Coverage for 72 months
- Annual Premium Rate7.69 %
- Monthly Premium258.84 CAD
- Total Premium Cost3,636.48 CAD
- Total Amount Payable18,636.48 CAD
Your Questions About Home Insurance Commasotto
How long does it take for the funds to be available?
Once I finalize my home insurance application, how soon will the coverage be effective?
After selecting the coverage that suits your home and family, you probably want to know how quickly your protection begins. Being well-informed ensures peace of mind with no surprises, so here’s what you need to know:
Your Home Insurance policy will be active within 48 hours on business days after your application is approved. (This is subject to acceptance of your application by Commasotto and the submission of any required documentation.)
How can I apply for Home Insurance online?
Complete your Home Insurance application in just a few minutes!
Step 1: Use the Insurance Simulator
Start by selecting the type of coverage you need for your home. Specify the value of your property, preferred deductible, and coverage options. The simulator will give you an instant estimate of your premium in CAD.
Step 2: Fill Out Your Application
Once you’ve reviewed your personalized insurance quote, complete the online application form. This takes just a few minutes. You can also choose optional additional coverage, such as protection against natural disasters or theft. We analyze your information carefully to ensure the policy meets your needs.
Step 3: Review and Sign
After submitting your form, access your secure personal account to finalize your application. You’ll receive a unique login via email. Once logged in, follow these steps:
Verify your property details: Confirm the information about your home, its location, and features to ensure accurate coverage.
Upload required documents: Depending on your policy, you may need to provide proof of ownership, identification, and any supporting documents for optional coverage.
Sign electronically: Carefully review your policy terms and confirm your acceptance with an electronic signature.
And that’s it! Once your application is approved by Commasotto, your Home Insurance coverage will be active within 48 hours on business days. No need to visit an office—everything is handled securely online.
What does the annual premium rate include?
Understanding your Home Insurance annual premium
The annual premium represents the total cost of your Home Insurance coverage for one year.
This amount includes the base premium for your chosen coverage, plus any optional add-ons such as protection against natural disasters, theft, or liability coverage.
Additional costs can include administrative fees, brokerage fees if a broker is involved, and optional endorsements you select to enhance your policy.
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Policy administration fees
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Broker or agent commissions
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Optional coverage add-ons
All other mandatory fees related to your policy, such as government taxes or inspection fees, are also included in the annual premium.
The premium is expressed as a yearly amount in CAD and helps you plan your budget accurately.
Knowing the annual premium allows you to compare different insurance offers to ensure you are getting the best coverage at a fair cost.
You can estimate your annual premium instantly using our online simulator.
Remember, insurance rates may vary depending on property value, location, and coverage options selected.
Why get your Home Insurance with Commasotto online?
Discover the benefits and enjoy peace of mind
Getting your Home Insurance online with Commasotto means convenience, speed, and security:
Convenient
Complete your insurance application from the comfort of your home. No need to print or submit documents physically. Everything is handled digitally, saving you time and effort.
Fast
In just a few clicks, submit your insurance request and get a preliminary confirmation. Once approved, your coverage is active immediately, so your home is protected without delay.
Efficient
After submitting your online application, you can access your policy documents in PDF directly from your Secure Personal Space. All details are clearly presented and easy to download.
Secure
Commasotto ensures a highly secure environment for your data. Our system meets strict Canadian security standards, giving you confidence that your personal information is protected.
Supportive
We value transparency, honesty, and trust. Our team is ready to guide you through your insurance journey, offering expert advice tailored to your unique home and coverage needs. With Commasotto, you’re never alone in protecting what matters most.
(1) Coverage is active immediately upon approval of your online application, subject to submission of required documents and final validation by Commasotto.
View Policy Terms
Example of a Personal Insurance-Linked Loan (excluding optional insurance): for a total credit
amount of CAD 14,500, repayable over 60 monthly installments of CAD
289.50 (excluding optional insurance). Fixed Annual Percentage
Rate (APR): 7.60% (excluding optional insurance). Fixed debtor rate: 7.35%. One-time fees:
CAD 0.00. Total credit cost: CAD 2,867.00. Total amount payable by
the borrower: CAD 17,367.00. First installment due in 30 days. Effective loan term: 60
months. You have a right of withdrawal. Annual Insurance Percentage Rate (AIPR) for a single
insured (excluding any additional premiums) covered at 100% based on the Comfort coverage
(including Death, Total and Irreversible Disability, and Temporary Total Incapacity) under the
"My Personal Insurance" policy no. 5035: 2.91%, representing a monthly insurance cost of CAD
18.85, added to the monthly installment indicated above. The total insurance cost over the full
loan term is CAD 1,131.00. Optional group borrower insurance "My Personal Insurance" policy no.
5035 is underwritten by Arkéa Financements & Services with Suravenir and Suravenir Assurances,
companies regulated by the French Insurance Code. Offer available for loans ranging from CAD
7,975 to CAD 87,000, with repayment periods from 12 to 120 months. Fixed APR: 7.60%.
Subject to acceptance of your application by Arkéa Financements & Services, expiration of the
legal withdrawal period, submission of required documents, and unchanged personal and financial
circumstances at the time of signing your loan agreement.
Conditions effective as of 07/09/2025.
Commasotto offers a range of insurance-linked financing solutions developed by Arkéa
Financements & Services.
Lender: Arkéa Financements & Services – Headquarters: 335, rue Antoine de Saint-Exupéry, 29490
GUIPAVAS - Public Limited Company with Management Board and Supervisory Board, share capital CAD
304,500,000 – RCS Brest B 338 138 795. Insurance brokerage company, ORIAS registration no. 07
019 193 (verifiable at www.orias.fr).
Advertising document for informational purposes only and non-binding.
* The borrowable amount depends on the type of project you wish to finance. For example, for home renovations with insurance coverage, you can borrow from CAD 7,975 to CAD 87,000 over repayment periods ranging from 12 to 120 months.
** Fixed APR of 4.90% for an energy-efficiency Renovation Loan of CAD 17,400 over a 12-month repayment period.
(1) Bank transfer within 48 business hours after processing your request. Subject to acceptance of your credit file by Arkéa Financements & Services, expiration of the legal withdrawal period, and submission of required documents.