Home insurance that protects what matters
From hail to sewer backup, Canadian homes face real risks. We compare home, condo and tenant insurance from multiple insurers so your house, belongings and liability are protected properly.
What does home insurance cover?
Home insurance protects the building you live in, the belongings inside it and your personal liability if someone is injured on your property. It is not required by law, but almost every mortgage lender requires it.
Policies range from comprehensive coverage that insures against all risks except those excluded, to more basic named-perils policies. Condo owners and renters have their own policy types. We compare options and explain what is and is not covered, before you need to claim.
Who it’s for
- Homeowners with or without a mortgage
- Condo and townhouse owners
- Renters and tenants
- Landlords renting out a property
- Owners of seasonal or recreational homes
What your policy can include
The main coverages we review with every client. We’ll explain each one and help you choose the right limits.
Dwelling
Repairs or rebuilds your home after a covered loss such as fire, wind or hail.
Detached structures
Garages, sheds and fences on your property.
Personal property
Your furniture, electronics, clothing and other belongings, at home or while travelling.
Additional living expenses
Hotel, meals and extra costs if you cannot live at home during repairs.
Personal liability
Legal costs and damages if you accidentally injure someone or damage their property.
Water damage options
Sewer backup and overland water coverage for basement and flood losses.
Home insurance: what to know
Practical points we walk every client through before they choose a policy.
Hail and windstorms are among the most common home claims in Canada. Make sure your roof, siding and windows are covered, and ask whether your insurer uses a separate wind and hail deductible.
Basement flooding from a sewer backup usually needs to be added to your policy. If you have a finished basement, this is one of the most important add-ons.
Water entering your home from rivers or heavy rain at ground level is overland flooding. It is a separate option and depends on your location.
Your dwelling limit should match the cost to rebuild your home, not its market value. Construction costs have risen, so review it at every renewal.
Popular add-ons
Extras worth considering, depending on your situation.
What affects your premium
Insurers look at these factors. Knowing them helps you keep your premium in check.
Covered in three steps
No long calls and no pressure. Most clients are done in one conversation.
Tell us what you need
Complete our online quote form, or call or WhatsApp a broker.
We compare insurers
We shop your coverage across multiple insurers and shortlist the best fit.
Choose and you’re covered
Pick your option. We handle the paperwork and send your documents.
Home insurance questions
Can’t find your answer? A licensed broker can help in a few minutes.
Ask on WhatsAppIt is not required by law, but nearly every lender requires it as a condition of your mortgage. Even without a mortgage, it protects what is usually your largest asset.
Most home policies cover hail damage to your roof, siding and windows. Some insurers apply a separate deductible for wind and hail, so it is worth checking before a storm.
Sewer backup is water coming up through drains or sewer lines. Overland flood is water entering at ground level from rivers, lakes or heavy rainfall. They are separate coverages.
Your landlord’s policy does not cover your belongings or your liability. Tenant insurance is affordable and many landlords require it in the lease.
Yes. You must tell your insurer if you rent out part of your home, because it changes the risk and the coverage you need. Undisclosed rentals can lead to a denied claim.
Get your home insurance quote
Free, no-obligation quotes from a licensed broker who compares multiple insurers for you.