Homeowner's Insurance

Full protection for your house, your belongings, and your liability.

Homeowner's insurance protects the structure of your home, your personal property, and your liability if someone is injured on your property. A standard policy also covers additional living expenses if you're temporarily displaced by a covered loss.

We help Ontario homeowners right-size their coverage — enough to rebuild and replace, without paying for protection you don't need.

What's covered

Dwelling and attached structures at replacement cost
Personal belongings, including high-value items with scheduled coverage
Personal liability and legal defence costs
Additional living expenses if your home is uninhabitable
Optional add-ons: overland water, sewer backup, and earthquake

Good to know

Frequently asked questions

Is overland flood coverage included?: Overland water is usually an optional endorsement, not part of a base policy. We'll review your property's flood risk and recommend whether to add it.
How much coverage do I need?: Your dwelling limit should reflect the cost to rebuild, which is different from market value. We help you set an accurate replacement-cost figure.
Will bundling really save money?: Most insurers offer meaningful multi-policy discounts when you combine home and auto. We compare bundled and standalone quotes so you see the real difference.

Insurer partners

Insurers we compare for homeowner's insurance

We shop these partners to find the right coverage and price for you.

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Frequently asked questions

Is overland flood coverage included?

Overland water is usually an optional endorsement, not part of a base policy. We'll review your property's flood risk and recommend whether to add it.

How much coverage do I need?

Your dwelling limit should reflect the cost to rebuild, which is different from market value. We help you set an accurate replacement-cost figure.

Will bundling really save money?

Most insurers offer meaningful multi-policy discounts when you combine home and auto. We compare bundled and standalone quotes so you see the real difference.