Home Insurance in Ontario
Your home is your most valuable asset. Whether you own a house, condo, or rent, we help you find the right coverage from 10+ insurers to protect what matters most.
Quick Quote - Have Ready:
- Property address and type
- Year built and square footage
- Heating type (furnace, boiler, electric)
- Roof age and material
- Any renovations (electrical, plumbing, roof)
- Mortgage details if applicable
- Current policy (if switching)
For general guidance only. Coverage details vary by insurer and policy. Always review your specific policy documents or contact your broker for advice on your situation.
What Home Insurance Covers
Structure of your home including walls, roof, floors, and built-in appliances.
Garages, sheds, fences, gazebos, and other structures on your property.
Furniture, electronics, clothing, and belongings inside your home.
Covers legal costs if someone is injured on your property or you damage someone else's property.
Temporary housing and living costs if your home becomes uninhabitable due to a covered loss.
Sewer backup, overland flooding, and water damage. Coverage varies -- check your policy carefully.
Damage from severe weather events including wind, hail, and fallen trees.
Full coverage for fire, smoke, and explosion damage to your home and contents.
What Affects Your Home Insurance Rate
Water damage is the #1 home insurance claim in Ontario.
Many standard policies do NOT include sewer backup or overland water coverage. These are optional endorsements that must be added to your policy. With increasing severe weather, this coverage is more important than ever. Ask your broker or provider to confirm your water damage coverage.
Water Damage: Know the Difference
Not all water damage is covered the same way. Most standard policies do NOT include sewer backup or overland water -- these must be added separately.
Water backing up through drains or sump pump. Must be added as endorsement.
Flooding from rain, snowmelt, or river overflow entering from outside.
Water rising through basement floor from underground. Most policies exclude this.
Sudden pipe burst or appliance leak. Included, but conditions apply (e.g. heating requirements).
Common Questions
Get Your Home Quote
We compare 10+ insurers to find you the best rate and coverage.
Property Types We Cover
- Detached homes
- Semi-detached & townhouses
- Condominiums
- Rental properties / landlord
- Vacant & seasonal homes
- High-value homes
- Multi-unit residential
- Student housing
- Short-term rentals (Airbnb)
Ways to Save
- Bundle home + auto for multi-line discount
- Claims-free discount (3-5+ years)
- Monitored alarm / security system
- New home discount
- Mortgage-free discount
- Loyalty / renewal discount
- Upgraded electrical, plumbing, roof
Why Use a Broker?
- We work for you, not the insurance company
- Compare rates from 10+ insurers
- Find coverage others may miss
- Help with claims advocacy
- Annual policy reviews at no cost
Did You Know?
Home insurance has a 3% service fee for monthly payments, plus 8% provincial tax on your premium.
Pay your policy in full to avoid the financing fee and keep more money in your pocket.
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Get a free home insurance quote in minutes. We compare 10+ insurers to find you the best coverage at the best price.