Ontario Home Insurance

Home, Condo & Rental Property Insurance Ontario — Get the Coverage You Deserve

Whether you own a house, a condo, a townhome or a property you rent out — we'll connect you with a licensed Ontario advisor who will find you the right coverage at the right rate.

  • Homeowners, condos & townhomes
  • Rental property & landlord insurance
  • Cottage & seasonal property coverage
  • Licensed advisors — free, no-obligation quote

Get Your Free Home Insurance Quote

100% Free No Obligation Same-Day Response

Fill in the form and a licensed advisor will be in touch shortly.

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★ Licensed Ontario Advisors
✓ Bundle & Save
⚡ Quotes From Multiple Insurers
🔒 Serving All of Ontario
Simple Process

Get Your Home Covered in 3 Easy Steps

1

Tell Us About Your Home

Fill out the short form above. Takes less than 60 seconds — just the basics about you and your property.

2

Advisor Reaches Out

A licensed Ontario advisor contacts you — usually the same day — with coverage options tailored to your home and personal situation.

3

Get Covered & Relax

Choose the policy that fits your needs and budget. No pressure — just honest advice from someone who understands Ontario homeowners.

What We Cover

Coverage for Every Ontario Home

From downtown condos to lakeside cottages — whatever you call home, we'll find you the right policy.

Detached house

Home Insurance for Houses & Detached Homes

Comprehensive dwelling, contents, and liability coverage for single-family homes — including replacement cost options.

Condo building

Condo Insurance & Townhomes

Unit-owner policies covering your unit improvements, contents, and personal liability — filling the gaps your condo corporation's policy doesn't.

Rental unit interior

Rental Property & Landlord Insurance

Landlord insurance for houses, condos, duplexes and basement units you rent out — covering the building, your liability as an owner, and options for loss of rental income.

Cottage by a lake

Cottages & Seasonal Properties

Year-round or seasonal coverage for cottages, cabins, and vacation properties — including watercraft and outbuilding add-ons.

Why Insurance Ontario

We Make Home Insurance Simple

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Licensed Ontario Advisors

Every advisor is fully licensed in Ontario and understands local risks like ice damage, basement flooding, and regional rebuilding costs — no call centres, no generic advice.

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Personalized Coverage

We don't offer cookie-cutter policies. Your advisor will take the time to understand your home, your belongings, and your situation to recommend the right coverage.

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Competitive Rates

We shop multiple Ontario insurers on your behalf to find you the best rate — and can often save you more by bundling home with auto or other policies.

Common Questions

Frequently Asked Questions

What does home insurance typically cover in Ontario? +
A standard homeowner's policy covers your dwelling, detached structures (like a garage or shed), personal contents, additional living expenses if you're displaced, and personal liability. Your advisor will help you understand what's included and whether you need add-ons like overland water, sewer backup, or earthquake coverage. If you rent your property out to tenants, ask about landlord (rental property) coverage — a standard homeowner's policy usually doesn't cover a rented home.
How much does home insurance cost in Ontario? +
Costs vary based on your home's value, location, age, construction type, and the coverage you choose. Your claims history, credit, and bundling with other policies can also affect your premium. The best way to know your rate is to get a free quote.
Do you insure rental properties and landlords? +
Yes. If you rent out a house, condo, duplex or basement unit, a standard home policy usually isn't enough. A licensed Ontario advisor can arrange landlord (rental property) insurance that covers the building, your liability as an owner, and options such as loss of rental income.
Can I bundle home and auto insurance to save money? +
Absolutely. Most Ontario insurers offer multi-policy discounts when you bundle home and auto together. Your advisor can compare bundled vs. standalone options to find you the best overall rate.
Is there any obligation to purchase after I submit the form? +
None whatsoever. This is a completely free, no-obligation quote. We'll present your options and let you decide — no pressure, no pushy follow-ups.
How quickly will I hear back after submitting? +
In most cases you'll hear from a licensed advisor the same business day. During busy periods it may be the next morning — but we always follow up promptly.

Your Home Deserves the Right Protection

It takes less than 60 seconds. Free quote, no obligation — just honest advice from a licensed Ontario advisor who understands homeowners.

Get My Free Home Insurance Quote →
Get My Free Home Insurance Quote →