Protect Your Home with the Right Insurance
Compare quotes from Canada's leading home insurance providers and find the perfect coverage for your needs
Why Home Insurance Matters
Safeguard your biggest investment from unexpected events
Sleep soundly knowing your home is protected
Required by mortgage lenders and essential for homeowners
What Does Home Insurance Cover?
Comprehensive protection for your home and belongings
Protects the physical structure of your home from fire, wind, hail, and other covered perils
Includes: Attached structures like garages
Covers your belongings including furniture, electronics, clothing, and appliances
Includes: Off-premises coverage for items taken with you
Protects you from lawsuits if someone is injured on your property or you damage their property
Includes: Legal defense costs and medical payments
Covers temporary housing and living costs if your home becomes uninhabitable
Includes: Hotel stays, meals, and other necessary expenses
Protection against sudden and accidental water damage from burst pipes and plumbing issues
Optional: Sewer backup and overland flooding
Additional protection for valuable items like jewelry, art, and electronics
Optional: Earthquake, flood, and identity theft coverage
- Home replacement cost (not market value)
- Value of personal belongings
- Outstanding mortgage balance
- Desired liability limits
- Special items requiring additional coverage
What Affects Your Home Insurance Rate?
- Proximity to fire hydrants and fire stations
- Crime rates in your neighborhood
- Weather risk (flood zones, wildfire areas)
- Distance from bodies of water
- Age and condition of your home
- Building materials and construction type
- Security systems and fire alarms
- Claims history
- Deductible amount selected
Smart Ways to Save on Home Insurance
Combine home and auto insurance for multi-policy discounts
Higher deductibles mean lower monthly premiums
Burglar alarms and smart home devices can reduce rates
Fire alarms, sprinklers, and updated electrical/plumbing
Better credit scores often mean better rates
Shop around each year to ensure competitive pricing
Common Questions
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