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

Get the best home insurance in Toronto at the lowest rate.

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

 

Home insurance in Toronto.

 
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To better manage your expenses while living in Toronto, lower your property insurance costs finding a better rate.

Many people don’t realize they can get new rates and wind up spending more by sticking with what they’ve always had, regardless of expense.

Use DirectRate.ca’s free, online quote tool to compare Toronto home insurance rates from 10+ companies.

Our brokers will review your application and help you customize a policy so that you’re only paying for the coverages you need.

We’ve helped thousands of Canadians save millions of dollars. Become one of them today and start saving.

 
 

How does it work?

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Enter your information – it takes less than three minutes.
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Get 10+ quotes for house insurance in Toronto.
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Secure your rate by talking to a licenced broker.
 
 

Types of property insurance in Toronto.

Like all Canadians, Toronto homeowners can choose from three types of home insurance: comprehensive, basic or no-frills.

In recent years, parts of the city have been more vulnerable to flooding. So, when you’re selecting a policy, find out from a broker at DirectRate.ca if you need coverages for the following perils:

Basement flooding – When water comes up from under the home, entering through the foundation and any openings within it.

Overland flooding – Water that overflows from a creek, river or lake near and damages your property.

Sewage backup – When you have a sewage back-up at your house, due to overland flooding.

 

With their expert knowledge of Canada’s insurance industry and products, our licenced brokers are available to answer any of your questions about a policy that’s best for your home.

 
 

Why use DirectRate.ca?

If you’re in the market for cheap insurance for your Toronto, Ontario home, look no further.

By consulting our network of insurance company partners across Canada and by customizing your policy to your lifestyle, we’re confident we can find you the best home insurance coverage for the lowest rate.

Best of all, our online quote tool and recommendations are 100% free.

 
 
 

Start your free quote now.

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

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Frequently Asked Questions about homeowners insurance in Toronto.

My quote for house insurance in Toronto seems high, how can DirectRate.ca help me reduce it?

There are a number of ways that DirectRate.ca can help you reduce your home insurance costs.

The crucial first step is comparing rates. Our online tool will help you do that, for free. After you’ve input a few details about the house you’d like to insure, it will produce quotes from 10+ companies.

Our brokers work with you to customize insurance for your Toronto home. We tailor the policy to your needs, making sure that you’re only paying for coverages you need.

Finally, we advise on a number of general tactics for reducing your rates. For example:

Eliminate fire hazards such as smoking.

Limit your claims.

Maintain a good credit score.

Mitigate potential risks by installing a sump pump, a smoke detector, CO2 monitor and sprinkler system.

Pay your premiums and do so in full and on time.

Purchase each of your insurance policies from a single company.

Is it safe for homeowners in Toronto to buy insurance online?

Yes, it’s absolutely safe to buy insurance for a Toronto home online.

It’s also convenient, fast and free.

We’ve helped thousands of Canadians save millions of dollars. Become one of them today and start saving.