Save an average of 30% on home insurance in just three minutes.

Our brokers will find you the best home insurance by comparing quotes from the top 10+ companies in Canada.

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We compare rates from Canada's top providers, including:

Home insurance in Canada.

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How much does your home insurance cost? We'll help you do better.

Our licensed brokers have expert knowledge of the insurance industry and the range of products available to help you protect your home.

By consulting insurance companies across the country, we’ll make sure you get the best available home insurance quote.

We’ll customize a policy for you and answer any of your questions.

Best of all, our recommendations are 100% free.


How does it work?

Enter your information – it takes less than three minutes.
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Get 10+ home insurance quotes from insurers competing for your business.
Secure your rate by talking to a licensed broker.

How free, online home insurance quote tools in Canada work.

Our free, online quote tool takes less than three minutes to help you find the cheapest home insurance in Canada.

You’ll need:

The postal code for the home you’d like to insure.

A few basic details about the home, property and amount of insurance required.

A phone to connect with one of our licensed brokers. We'll help you customize a policy so you’re only paying for the coverages you need, nothing more.

To avoid cancelation fees from your current home insurance provider, call us up to 90 days before your renewal: 1-855-754-0350.

Often your savings on a new home insurance policy will outweigh any cancellation fee from your previous insurance company.


Why use

We’ll find you the best home insurance at the cheapest rate.

It’s a fast and easy process that could save you hundreds of dollars each year.

We'll confirm who has the best rates on homeowner’s insurance and help you secure it.


Get a free quote today.

It’s fast, free, and help is just a call away.

Call us – we’re ready to help.

Types of home insurance coverage.

To find the best home insurance in Canada at the lowest rate, learn more about the types of available coverage.

Comprehensive is the most common type of home insurance, covering you against all perils to your home and its contents.

Comprehensive home insurance policies are also known as 'all-peril' or 'all-risk' policies.

Comprehensive insurance covers you against all perils to your home and your contents.

Broad insurance covers you against all perils to your home and against specified perils for your contents.

Basic insurance covers you against specified perils for your home and for specified perils against its contents.

Insurance type Home/building Contents
Comprehensive All-perils All-perils
Broad All-perils Specified perils
Basic Specified perils Specified perils

How to make a home insurance claim in Canada.

This checklist answers the question: how do home insurance claims work?

Time is of the essence. In the event of a problem, immediately review your policy for information on who to call. 

If it’s not obvious, call 1-855-754-0350.

Once the emergency is under control, carefully review the details of your policy. It will be important to determine if:

Your loss is covered. Or, was your loss named as an exclusion in your policy?

There are any specific steps you must take as part of the claims procedure.

You need to collect any documents such as an accident or police reports and any medical records.

There are any deadlines associated with making a claim.

Next, submit relevant paperwork. Retain any receipts for out of pocket expenses as you may need to submit them when a claim is being processed.

Is it worth claiming on home insurance?

There are many considerations. Our licensed brokers will advise and guide you through the process.

Some ideas to discuss further with a broker:

Is there a deductible or minimum amount you must pay, before coverage kicks in? Sometimes, making a claim can increase your home insurance premium.

For example, if an item of $700 value is damaged and your deductible is $500, your policy will only reimburse you for $200. Is that worth claiming on home insurance if it means your premiums may increase?

Are there other savings you may be eligible for?

Can you receive a discount for not having made any claims over an extended period?

If you can’t connect with your insurance company, call 1-855-754-0350. We’ll guide you through the claims process.


Frequently Asked Questions about home insurance in Canada.

What exactly is home insurance?

Home insurance is a means of protecting your home, its contents and your property against damage, loss or theft.

If a loss occurs, home insurance will put you back in the same financial position you were in before the loss.

Home insurance policies often include liability coverage which protects if you are sued for being legally liable for other peoples’ injuries or property damage anywhere in North America.

Why do I need home insurance?

Home insurance will protect your home, which is likely one of your largest assets, against a range of events causing loss or damage to an insured property.

Homeowners insurance will also give you peace of mind, knowing that you have liability insurance that comes with many policies.

If you can’t afford to replace your home, its contents, and/or to repair your property, we recommend that you seriously consider purchasing home insurance.

Many lenders will only mortgage a home if it’s insured.

Is home insurance mandatory in Canada?

Unlike car insurance, home insurance in Canada is not a legal requirement.

However, most lenders won’t provide funds for an uninsured home. They often require proof of an active home insurance policy.

How much does house insurance cost?

House insurance rates vary depending on:

The house insurance company that holds the policy.

The cost of rebuilding the home.

Where the home is located.

The policy holder’s financial profile and insurance claims history. In some provinces, your credit rating may be considered.

To ensure you get the cheapest home insurance in Canada, we compare prices from a range of insurance companies.

Our licensed brokers are also available by phone to customize a policy so that you’re only paying for coverage you need, nothing more.

Get a quote and give us a call: 1-855-754-0350.

How much is the average home insurance per month?

The cost of insurance for homeowners is calculated on an annual basis and charged to the policy holder in equal payments – also known as home insurance premiums or rates.

The annual cost of any policy depends on the type of coverage purchased, among other things.

Most often, home insurance premiums are due monthly.

If desired, they can also be paid in full.

One of our licensed brokers will advise you of additional payment options and schedules that may be available from different home insurance companies.

What’s a home insurance premium?

A home insurance premium is the recurring cost for an active insurance policy over a fixed amount of time, usually one year.

Your premiums are typically due monthly, though, you can also choose to pay one full, annual payment.

Ask one of our licensed brokers if additional payment plans are available for your policy.

As part of our commitment to delivering great service, we’ll make sure that your policy has a payment schedule that works well for you.

What’s an insurance deductible?

A deductible is an amount, agreed upon in advance, which a policy holder is responsible to pay, following a loss.

An insurance company will only respond to a loss that exceeds the amount of the deductible.

What’s included in my home insurance coverage?

Carefully review your policy to figure out: What events does my home insurance cover?

Home insurance policies protect against a loss or damage caused by:

Broken windows

Electrical current


Falling objects (depending on cause)




Smoke damage (except from your fireplace)



Wind damage

By speaking with one of our licensed brokers, you can quickly determine what coverages are best for your circumstance.

Most house insurance companies include in their policies additional living expenses which cover the cost of moving or staying at a hotel, if you’re unable to stay in your home due to damages from an insured loss being repaired.

What’s not included in my home insurance coverage?

Some home insurance policies name certain perils as ‘exclusions’.

For example, your policy may protect your home against fire, but may name earthquake as an exclusion. This means that you won’t be covered for damage caused by an earthquake.

It’s important to know what exclusions are named in your policy.

Common exclusions include, but are not limited to:

Absence from home: If you’ve been away from the home for an extended period of time, damage, loss or theft may not be covered.

Existing damage: Home insurance policies are unlikely to cover property damage that existed before the policy was taken out.

Flooding: Many policies don’t cover damage caused by flooding from a storm surge. If your home is in an area prone to flooding, you may need additional coverage.

Renters: Damage or loss caused by people staying in the home, other than those listed on the policy, may not be covered.

How much home insurance coverage do I really need?

Your policy should cover, at least, the cost of replacing your home, its contents and repair for your property, in the event of damage, loss or theft.

Depending on where you live, replacement costs are not necessarily equal to the actual cash value of your home.

Our brokers use industry accepted replacement cost calculators which use your address to quickly determine how much coverage your home insurance policy makes you eligible for.

Are there different types of home insurance coverage?

There are three main types, or forms, of home insurance in Canada: Comprehensive, Broad and Basic.

While each is distinct, their premiums are calculated in the same way.

Comprehensive is the most common type of home insurance, covering you against all perils to your home and its contents.

Comprehensive home insurance policies are also known as all-peril or all-risk policies.

What’s the difference between a property insurance quote and a home insurance estimate?

The terms are often used interchangeably in the insurance industry.

A property insurance quote or estimate reflects the potential cost of a policy based on a specific set of criteria.

To get a home insurance quote in Canada, take three minutes to use our free, online quote tool.

Next, connect with one of our licensed brokers to review your options and customize a policy so that you’re getting the coverages you need, nothing more.

What’s home contents insurance?

Home contents insurance is part of an insurance policy that will cover the cost of replacing your belongings against damage, loss or theft.

To ensure your most treasured possessions are covered, carefully review your house and contents insurance policy.

While many policies cover the cost of replacing everything – from appliances, to furniture to some electronics as well as the food in your fridge – some high-value individual items, such as jewellery, high-end sports equipment or fine art may not be covered and, in fact, could require additional coverage.

You can buy a ‘personal articles floater’ which will list additional items on your policy and their value. You may be required to provide appraisals for some items.

I’m happy with my quote. How do I buy the home insurance recommended?

Use one of the best online home insurance tools in Canada for quotes from 10+ companies.

Then, give us a call: 1-855-754-0350.

What provider has the best home insurance in Canada?

We work with the best insurance companies in Canada.

We also work only with licensed insurance brokers who are registered to do business in the provinces and territories where the policy is held.

Be sure you’re getting home insurance through a licensed broker and company.

We’ll help you find a home insurance policy at a price that’s right for you.

There are three main types, or forms, of homeowners insurance in Canada: Comprehensive, Broad and Basic.

Connect with a broker to review which best suits your circumstances: 1-855-754-0350.

An insurer that’s best for one home may be insufficient for another.

Will show me how to get better home insurance?

Yes. We offer a fast and easy way to find the cheapest home insurance.

We’ll connect you with a licensed broker who will share their expert knowledge of the best house insurance companies and policies.

With access to the best insurance companies from across Canada, we'll find you the cheapest home insurance best suited to your circumstances.

To save you money, we customize your policy so that you’re paying for the coverages you need, nothing more.

We’ll also review with you tactics for reducing your rate, looking at each variable in your application and passing on our knowledge to you.