Same Insurance Products.
Simply Better Rates.

Home & Auto Insurance from 

Insurance Points Earned¹ Hudson’s Bay Gift Card Value
Renewal date provided 1,000 n/a
Home & auto insurance quote 2,000 $10
Home & auto renewal (annual) 5,000 $25


Optima Insurance Group compares the rates of up to eight leading home and auto insurance companies to offer individualized coverage at the best rates possible. For more information, call us at 1-877-940-5503


Optima Insurance offers:

  • Canadian-based customer service.
  • Multi-policy, multi-vehicle and anti-theft device discounts can save you up to 17.5%.
  • 10% off homeowners policies.
  • Hudson’s Bay Rewards points¹.

For your convenience, our Personal Shopper Claims Replacement service is available at Hudson’s Bay and Home Outfitters stores.


Optima Insurance Group is a licensed Canadian home and auto insurance broker. Optima works with some of the biggest brands in Canadian insurance including: Aviva, Intact Insurance, Travelers and Economical Insurance.

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  • This program is only available to residents in Ontario & Alberta.



You can save up to 17.5% on your combined home and auto insurance costs when bundling both policies with the same insurance provider. For many, this means savings of $400 or more!

Our latest articles on Home and Auto Insurance

Driving Tips to Stay Safe This Long Weekend

  • Posted by hbfs
  • On June 27, 2018
Long weekends in the summer are synonymous with road trips. Many Canadians are packing up their cars and getting ready to celebrate Canada Day. Whether you’re heading to the nearest beach or across the country, make sure you’re driving safely this long weekend.
Read More

Summer Tips to Protect Your Home

  • Posted by hbfs
  • On May 9, 2018
The summer season is just around the corner, which means backyard get-togethers, outdoor renovations and travelling with friends and family. No matter what you have planned, make sure to protect your home so everyone has a safe and enjoyable experience.
Read More

Planning a Home Renovation? Have You Notified Your Insurance Provider?

  • Posted by hbfs
  • On April 11, 2018
With the worst of winter behind us, many Canadians are thinking about home improvement and starting home renovation plans. Maybe you’re looking to upgrade the kitchen, install a pool or re-purpose an existing space for a home office. While upgrades can be exciting, did you know that renovations can affect your insurance? Before you start […]
Read More

Auto Insurance 101

  • Posted by hbfs
  • On January 18, 2018
Do I need auto insurance? If you own a vehicle in Canada, you need insurance — it’s the law. At a minimum, you need to have third-party liability coverage, which protects you from claims others may make against you if you cause damage to their vehicles or injure them in an accident. If you lease […]
Read More

Questions to Ask When Shopping for Home Insurance

  • Posted by hbfs
  • On January 11, 2018
Your house is likely your most valuable asset, but making sure you’re protected with adequate home insurance can often seem like a daunting task. In addition to comparing rates, it’s important to know what questions to ask your insurance provider to secure the coverage you need should the worst ever happen.
Read More

Holiday Safety Tips to Protect Your Home

  • Posted by hbfs
  • On November 15, 2017
The holiday season is fast approaching, and while it’s a wonderful time of year to celebrate with friends and family, it’s also a time when your home and possessions are at a greater risk. Gifts piled under the tree are an attractive target for theft, and candles, decorative lights and cozy fires present a fire […]
Read More

Your Home’s Fall Preparation Checklist

  • Posted by hbfs
  • On September 28, 2017
Fall is a beautiful time of year — the air is cooling and the leaves are changing colour — but in Canada, it’s also a warning that freezing temperatures and snow could be upon us before we know it. Beat Jack Frost to the punch — and possibly save yourself from aggravation and costly repairs […]
Read More

Tenant Insurance for Students

  • Posted by hbfs
  • On August 31, 2017
As summer draws to a close, many students will be leaving home to attend college or university. Amid all the packing and preparations, there’s one often overlooked question: How can you make sure that your belongings are protected?
Read More
¹Earn 1,250 Hudson’s Bay Rewards points when you obtain an auto insurance quote, and 750 points for a home insurance quote; earn 1,000 points when you provide your expiry date; and earn 5,000 points when you renew your combined home and auto insurance policy and use a valid Canadian-issued credit card to pay for your premiums. Each Hudson’s Bay Rewards points offer is limited to one Hudson’s Bay Rewards account per household. Unless otherwise stated, these Hudson’s Bay Rewards point offers cannot be combined with other offers and may change without notice. All Hudson’s Bay Rewards points will be awarded within 4 to 6 weeks.
Home and Auto Insurance for Hudson’s Bay customers is brokered by Optima Insurance Group and underwritten by a number of Canadian insurers.
Home and Auto insurance products are currently available in Ontario and Alberta only.

This page is also available in: FR