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

Use our home insurance calculator to find out how much you'll pay each month.

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

How to save on your home insurance.

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Start saving by getting a homeowners insurance estimate with’s calculator.

Armed with free quotes from 10+ leading insurance providers in Canada, you can then work directly with one of our licensed brokers to secure an even better rate.

You’ll gain valuable insight about which home insurance savings make the most sense for you and your lifestyle.

The tool and our recommendations are free.

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


How does our homeowners insurance calculator work?

Enter your information – it takes less than three minutes.
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You’ll get free quotes from the 10+ leading insurance companies in Canada.
Secure your rate by talking to a licensed broker.

Why work with

We’ve helped thousands of Canadians save millions of dollars on their insurance costs.

Our licensed brokers work one-on-one with you to customize a policy so that you’re only paying for the home insurance coverage you need, nothing more.

We’ll make sure you get the best coverage at the lowest rate.


Get a free quote today.

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

Call us – we’re ready to help.

How to estimate your homeowners insurance premiums with our calculator.

In less than three minutes, our free, online calculator will produce free quotes for property insurance.

Here’s a play-by-play on how to use the tool.

Step 1:

  • Start by deciding what kind of coverage you want. The type of policy you choose will play a big role in how much you will pay for homeowners insurance.
  • The most common options are:
    1. Comprehensive:

      • Sometimes called an All perils policy, this provides the greatest protection for a homeowner.
      • With the exception of anything specifically excluded, this policy covers you against all perils to your home and its contents.
      • Depending on the insurance provider and other factors, exclusions may include events such as floods or sewer backups.
      • Comprehensive policies tend to mean higher monthly cost, but our home insurance calculator will show you exactly how much it will cost so you can decide if it’s worth it.
    2. Basic coverage or Named perils:

      • This is a standard policy. It provides less protection than a comprehensive policy, but also costs less.
      • With this option, you will be covered only for perils specifically named in the policy.
      • Use our home insurance calculator to gauge annual costs with this policy.
    3. Broad coverage:

      • A mix of Comprehensive and Basic policies. It protects you against all perils to the structure of your home, except for anything specifically excluded. But, coverage for the contents is limited to specifically named perils.

Step 2:

  • After you've input some personal information about your insurance history, it will be time to provide a few details about the property you’d like to insure. The information our home insurance estimator will ask you for includes details such as your home's:
  • Age.
  • Details about the contents.
  • Exterior finish such as stucco, siding, brick.
  • How close it is to a fire hydrant or fire station.
  • If you rent out the property.
  • If you work from home.
  • Location.
  • What condition it’s in. For example, what is the condition of the roof?
  • What style of house it is, including number of storeys, semi-detached, detached.
  • What kind of heating system it has.
  • With this information the house insurance calculator will provide you with  quotes from the 10+ leading providers in Canada.

Step 3:

  • Next, you’ll have an opportunity to select additional coverage, such as:
  • Additional coverage for your possessions if they’re more valuable than the limit that comes with the policy you’ve chosen.
  • A guaranteed replacement cost provision that means that even as construction costs rise – and they are rising in Canada – you will be covered for the full cost of rebuilding your home in the event it is destroyed by fire or other calamity.
  • Protection for events such as roofs damaged by ice, backed up sewers and even earthquakes.

Step 4:

  • Finally, here’s a chance to see if you can lower the cost of your premiums. You may be eligible for attractive discounts if you:
  • Bundle the coverage for your home with other policies, such as your car insurance, so one insurance company handles all of your policies.
  • Have made no, or few, claims in the past.
  • Increase your deductible.
  • Protect your home against theft, fire and water damage by installing a security system, a fire alarm and a backflow valve or sump pump.
  • Upgrade your roof with materials such as asphalt shingles or slate tiles that are more weather-resistant.

Once you’ve provided this information, our homeowners insurance rate calculator gets to work to quickly match what you need with what 10+ leading insurance companies in Canada are offering.

You’ll wait less than three minutes to get your quotes.

After you get the rates that the house insurance calculator produces, you can secure additional savings by working one-on-one with one of our licensed brokers.

Whether it’s British Columbia, Quebec, the Maritimes, Alberta or Ontario, anywhere you live in Canada our home insurance calculator and licensed brokers will help get you the lowest rate available and the protection that best fits your needs.


Frequently Asked Questions about how to calculate home insurance costs.

Do I need home insurance?

While home insurance is not a legal requirement in Canada, if you have a mortgage, your lender will likely require it.

And even if you don’t have a mortgage, you’ll probably want home insurance. For most people, a home is their most important and most valuable asset so it only makes sense to protect it.

As always, though, you will want to get the best coverage at the best price. Our home insurance calculator can help you get a good sense of what you need and what you can expect to pay.

Armed with attractive free quotes, work one-on-one with one of our licensed brokers.

At, our recommendations are free. Give us a call today to start saving: 1-855-754-0350.

How do insurers calculate the cost of home insurance in Canada?

Because the insurance premiums for your home are dependent on so many variables, there can be big differences between what different insurers will charge you.

So, it pays to do some research with our homeowners insurance cost calculator.

The variables that will determine what you will pay to insure your property include:

What coverage you want to buy:

This means not only deciding what kind of policy you want, but what coverage you want to add to it. Many homeowners opt for additional coverage to cover events such as earthquakes, backed up sewers and roofs damaged by ice.

How much it would cost to rebuild your home:

This may seem simple enough, but building costs are rising in Canada. One way to protect yourself is to make sure your policy includes a guaranteed replacement cost provision to your policy.

Connect with a licensed broker to discuss whether or not, this security will mean higher premiums.

The value of your home’s content:

Basic home insurance usually puts a limit on the coverage for the contents of your house. If your possessions are worth more than that limit, consider buying additional coverage to make sure you’re fully protected. This is especially important if you own valuable art, collectibles or other valuable items.

In addition, your mortgage lender may require you to buy additional coverage, which will increase the cost of your premiums.

Speak with a licensed broker at to find out what sort of coverage makes sense for you and your lifestyle. Our recommendations are free and you’re under no obligation to follow them.

Connect with a licensed broker at: 1-855-754-0350.

How can I lower my premiums?

There are many ways to lower your premiums. Here are a few suggestions:

Bundle your policies – When one company handles your house insurance and, say, your car insurance, you’ll likely receive an attractive discount.

Have a good claims history.

Increase your deductible.

Make sure your home is protected against theft, fire and water damage. The installation of devices such as security systems, fire alarms and backflow valves or sump pumps can result in discounts.

Make your roof more weather-resistant with upgraded materials such as asphalt shingles or slate tiles.

A licensed broker at will be happy to work with you to help you identify a range of discounts that apply to you and secure them for you.

Will my house insurance cost less if I increase the deductible?

The deductible is the amount you will pay in the event of a claim.

Let’s say the deductible on your policy is $500 and thieves steal $3,000 worth of technology and other items from your home. In that case, your insurance company will reimburse you $2,500.

You can lower your premiums by increasing your deductible. Before you commit to an increase, closely consider if you’re likely to have cashflow available to pay a deductible in the event of a claim.

Also, keep in mind that you can’t make a claim if the loss is less than the deductible.

Use our free home insurance estimator to see how much you can save with a higher deductible.

What’s the catch? Do I have to pay to use the home insurance calculator?

There’s no catch.’s home insurance calculator is not just fast, it’s free.

In less than three minutes, you will get no-obligation quotes from 10+ leading Canadian insurance companies.

You don’t have to accept the quotes or any of the recommendations you receive when you work one-on-one with one of our licensed brokers.

If you do accept a quote and buy a policy, your insurance company may pay a small, contingent commission.

Who can use’s homeowners insurance calculator?

If you're a property owner in Alberta or Ontario use our home insurance calculator to find the best insurance at the best rate.

It’s a free, no-obligation tool that has helped many property owners get the best coverage at the lowest price.

Is it safe to buy home insurance online?

Buying property insurance online is a safe and convenient way to buy home insurance.

Many homeowners have discovered that there’s no better way to buy insurance for their homes.

Take advantage of our free, online home insurance calculator to generate the best quotes from the 10+ leading insurance companies in Canada.

Then, connect with one of our licensed brokers to customize your coverage and see if you qualify for additional savings: 1-855-754-0350.

How will working with a licensed broker help me get a better rate?

Once our home insurance calculator has produced free quotes, the best thing to do is to work with one of our licensed brokers to get even more savings.

A broker will make sure you’ve selected the right policy for your home and lifestyle. That way, you will get the protection you really need, nothing more.

But that’s not all. Our licensed brokers have the experience and expertise to help you save money on your property insurance by connecting you with additional discounts.

They can also advise you on how you can lower your rate even further with actions such as:

Bundling your policies – If you have more than one policy–homeowners insurance and car insurance, for example–with one insurance company, you are likely to get an attractive discount. One of our licensed brokers can tell you how much you’ll save and secure them on your behalf.

Having a good claims record.

Home improvements such as making your roof more weather-resistant by replacing it with superior materials such as asphalt shingles or slate tiles. This is another decision a licence broker can help you with.

Increasing your deductible – A higher deductible will mean lower premiums, but more money out of your pocket if you do have to make a claim. A licensed broker can help you decide if the trade-off is worth it.

Protecting your home against theft, fire and water damage. You will save money if you install a security system, a fire alarm and a backflow valve or sump pump. A licensed broker can help you determine if these upgrades are worth it.