Home Insurance

Home Insurance Quotes for Free

Get a free home insurance quote in under 3 minutes and save 20% Protect your home and belongings from the unexpected and find the right coverage for your needs.

Start your Home insurance quote and see how much you can save.

What type of home do you have? *

What is your address? *

City*

State*

Postal Code *

Do you have a basement apartment or in-law suite? *

Do you rent out any part of your home for any period of time? *

Is your home vacant or under construction? *

What is the construction type?

What year was your roof last updated? *

Square Footage of Basement *

What is the primary heating source? *

Distance from nearest fire hydrant? *

Distance from nearest fire hall? *

Email address*

In order to obtain a potential discount on your insurance premium, do you consent to a soft credit check?

Yes No

If you buy a policy, your consent will remain valid while you remain a customer with the insurer. You can withdraw your consent at any time; however, you may not benefit from certain discounts if you do. Answering "yes", authorizes the insurers to collect your credit score from consumer reporting agencies for the purpose of this quote. A soft credit check means there is no effect on your credit. We're just taking a peek at your credit score.

Your date of birth *

Why choose us

How to save on home insurance?

As part of your quote, we work with you to find all the ways you can save. Out of our 30, here’s just a few.

1

Increase Your Deductibles

If you increase the amount you pay on claims, your premiums will go down.

2

Claims-Free

You can save on your home insurance by having no claims previously.

3

Security Alarm and Monitoring System

Install a centrally monitored alarm system to take precautions against fire or theft.

4

Mortgage Free

You can save by not having mortgage on the property.

5

Update Policy Coverage and Limits

Review your policy regularly to ensure you have the right coverages and amounts.

6

Newer Builds

Insurers usually consider newer homes less likely to have issues.

How your home is protected

Home Insurance Coverage

As part of your quote, we work with you to find all the ways you can save. Out of our 30, here’s just a few.

Liability Insurance

Protect yourself and the people in your home in case you’resued. With personal liability coverage, you’re covered if someone gets hurt while visiting or for damage you may unintentionally cause.

Dwelling and detached structures

If something happens to your home, we’ll help pay to repair or rebuild it. Also, because your home isn’t just four walls, we also cover things like your detached garage and shed.

Personal belongings

Often called contents insurance, this protects property you own that you could pack in a bag or put in a moving truck. Personal property like your clothing, electronics and furniture are covered while they’re on your property or temporarily removed (like when you’re travelling to work or out of the country).

Extra expenses

In case something happens and you can’t live in your home – you’re covered while your house is being repaired. Choose to stay in a hotel or with friends and family, we’ll help cover your extra living expenses either way. Renting out part of your home at the time of loss? You’ll also be covered for your net rental income until your tenants can move back in.

Sewer Backup

This coverage can help in some smelly situations. If water backs up or escapes into your home through a sewer, sump, septic tank or floor drain, this will cover you for the damage caused. Coverage offered depends on eligibility.

Overland Water

You’re covered for damage to your home caused by fresh water, such as excessive rain, spring run-off and melting snow, coming in at ground level through windows and doors. Coverage offered depends on eligibility.

Hail Coverage

Hail damage can be costly. Having hail coverage on your policy means your home and belongings will be repaired or replaced if a hailstorm happens. Hail coverage is automatically included in our home insurance policies (unless you live in Alberta, where it’s optional but highly recommended).

Earthquake Coverage

This optional coverage covers you in the event of loss or damage arising directly or indirectly from an earthquake. If a snowslide, a landslide or other earth movements cause damage to your property because of an earthquake, you’re also protected.

Identity Theft

This covers you and anyone else on your policy in case your identity is stolen. We’ll reimburse you for legal fees as well as certain other costs, up to a limit. These could include lost wages if you have to take time off work to sort it out, and payment for services that help you restore your identity.

no-obligation quote

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Looking for the best rates on home insurance? We’ll help you compare quotes from 20 of Ontario’s top home insurance companies.

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We’ve got the lowest rates for home insurance in Ontario

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Get a home insurance quote in minutes using our secure online quoter.

Speak to an advisor

One of our licensed advisors would be happy to guide you through the options.

Faqs

Answers to Your Questions

How much does home insurance cost in Ontario?

The average cost ranges from $800 to $1,200 annually, depending on factors like your location, home value, and coverage needs.

How can I get the cheapest home insurance?

The easiest way to save is by comparing quotes from multiple providers. You can also save by bundling policies, upgrading your home’s security, or increasing your deductible.

Why should I compare home insurance quotes?

Home insurance rates vary between providers, and your personal circumstances can affect the quote you receive. Comparing quotes ensures you get the best rate for your situation.

Will my credit score affect my home insurance rate?

In some cases, insurers may request a credit check. A good credit score can help lower your premium. Rest assured, at Ontario Insurance Quotes, your information is kept secure.