Home insurance in Ontario.

Relax. We'll help you protect the things that matter most.

There's no place like home.

Your home is your haven and whether you rent or own, we'll make sure that you have the right coverage to safeguard you and your belongings.

Having a home is one of the largest investments you will ever make. With any investment comes risk, such as water damage, fire, theft, vandalism, or wind damage. Ensure that you have the best coverage to fit your needs and make sure you’re loved ones and the lifestyle you value will be taken care of if anything should happen.
Two kids running into the house with mom in the background

Let’s get you the right home insurance.

Your home is likely your most valuable asset.

Having a home is one of the largest investments you will ever make. With any investment comes risk, such as water damage, fire, theft, vandalism, or wind damage. Ensure that you have the best coverage to fit your needs and make sure you’re loved ones and the lifestyle you value will be taken care of if anything should happen.
What's covered?

Home insurance covers the replacement or repair of your home and belongings. It also covers your extra living expenses, so you can stay somewhere comfortable if you can’t stay in your home while it’s being repaired. Most standard policies include:

Covers property damage to your dwelling that occurs from an insured incident and covers anything attached to your house or home, including outdoor decks.
Covers many common household belongings that you and your family own, such as furniture, clothing, electronics, and appliances but there are limits on certain items. Additional coverage may be required for jewelry, computers, cash, musical instruments, art, or stamp/coin/card collections and more. These items are also usually covered when you are temporarily away from your home, such as on a trip.
Helps to cover any necessary increase in your living expenses should your home become damaged or destroyed due to an insurance loss. If you must move out of your home due to an insurance loss, your policy will also cover hotel bills, restaurant meals, rent, storage, and event pet boarding until you can move back.
Covers any additional buildings or detached structure on your property, which could be a garden, tool or pool shed, as well as detached garages, boat houses and gazebos.
Covers your responsibility associated with Injuries to others or property damage to others. If someone gets injured on your property and you become responsible for their injuries, this covers that exposure. This can include medical fees, expenses, or lawsuits. This coverage also protects you if ever you accidentally hurt someone anywhere in the world. This coverage also extends to any dependants in your household under the age of 18 and dependants under the age of 21 who are away at school or otherwise temporarily living away from your home.

Additional options

There are many coverage options available - we’ll go over them with you so that you can make an informed choice.

Water damage to your property caused by water accidentally backing up from the sewer system and flowing into your home, could be covered under this coverage.
Water damage to your property caused by a pipe bursting due to cooler weather or a washing machine breaking down mid-wash, could be covered under this coverage.
Water damage to your property caused by water suddenly and accidentally entering your home through a basement wall, the foundation or floors could be covered under this coverage. You must qualify for this coverage.
Water damage to your property cased by the overflowing from a lake, river, heavy rain, or rapid snowmelt that enters your home from above ground could be covered under this coverage. You must qualify for this coverage.
Extra coverage for valuable items, such as jewelry, computers, cash, musical instruments, art, or stamp/coin/card collections and more.
Coverage to help you recover your stolen identity up to the limit of coverage provided.
Extended liability coverage with increased limits to your home and car policies.
Coverage for the additional costs to repair or rebuild your home to code up to the amount of coverage.
You can obtain protection for parents living in nursing homes.

Relax. We’ll find you the best insurance coverage so you’re protected.

How to lower your premiums.

Is your home new? Are you a non-smoker?  You may be eligible for one of these discounts:

Talk to one of our insurance experts today.

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Such factors as where you live, your distance from a fire hydrant/fire station, the cost to rebuild your home on the existing spot, the age of your home, the age and condition of your roof, heating system, plumbing and electrical system, the type of home policy and coverage that you select, and your claims history all play important part in determining your home insurance rates.
There is coverage under a standard home insurance policy for jewelry and artwork up to a limit. Therefore, additional coverage may be required for jewelry, computers, cash, musical instruments, art, or stamp/coin/card collections and more.
Most insurance policies will cover the damage caused by a healthy tree falling on your home or contents, regardless of whether it’s your tree or your neighbour’s tree. Some policies may allow for a healthy tree to be replaced. However, most policies will not cover the cost of removing the tree from your property.
Depending on your improvements, they can increase or decrease your insurance rates. The improvements that you make on your home ultimately affects its insured value. If certain upgrades or renovations that you have made that would increase the value of your home, you may need to increase your coverage limits which may increase your insurance rate. However, if you have updated your alarm system, heating system, roof, electrical, plumbing system, hot water tank, you may qualify for lower insurance rates or discounts.
Your home insurance policy extends coverage to your spouse and your relatives who are living with you in the same household. It may also cover parents in a nursing home up to a limit and children away at school up to a certain limit.
No. Home insurance is designed to cover the cost of repairing or rebuilding your home after a disaster, but the cost of regular home maintenance is the responsibility of the homeowner.
Unlike car insurance, home insurance is not mandatory. However, if you have a mortgage, it may be a requirement of the lender. Whatever your situation is, we do recommend that you have home insurance to protect your home, personal belongings, and your liability exposures, in case someone accidentally injures themselves.

You may lose a claims-free discount (if applicable) which will impact the premium on your next renewal. Some insurers offer a claims protection endorsement which allows you to file a claim without seeing your premium increase.

Many insurers provide coverage under the parents’ homeowners policy for a student away at school. Please check with your broker to see what the conditions and limitations are of your individual policy.