Getting Cheap Ontario Home Insurance Quotes Is Easy!


Compare Ontario's Cheapest House Insurance Rates And Coverage

Home Insurance Ontario

Home Insurance QuotesWe have over 45 years of experience helping homeowners save with the cheapest home insurance quotes in Ontario. We are experts in home and property insurance and work closely with homeowners to make sure you get the best coverage and price for your home insurance needs.

We can help you save on Alberta Home Insurance coverage also!


Why Get Home Insurance Quotes With ThinkInsure?

We can get you the best home insurance coverage for home and property. Ontario Homeowners choose us to get house insurance quotes because we offer :

  • Expert Savings Advice : We are highly trained in home insurance coverage and products. They will make sure you get the best coverage for your needs and provide advice on things you can do to save on home insurance like bundling it with your car insurance.
  • Compare The Cheapest Quotes : We partner with over 40 insurance companies that offer a variety of house insurance products. We quickly shop and compare the best home quotes to get you the cheapest price for the coverage you need.
  • One Stop For Home Insurance : We provide one stop shopping for home insurance. We provide expert advice, shop for the best quotes and get you the coverage that makes sense for you, as an owner or renter. We’re here for you to take care of all your home insurance needs, from making a claim to answering insurance questions regarding your home, and much more.
  • Personal Service For Homeowners Insurance : Customer service and satisfaction is a top priority for ThinkInsure. Each customer gets a dedicated personal service representative to take care of all their home insurance matters, including helping you get cheap house insurance quotes. We want know our customers names and we want them to know ours.

Learn more about the reasons to choose ThinkInsure for your Ontario home insurance.

Compare home insurance quotes online OR call us toll-free 1-855-550-5515 and a ThinkInsure home insurance expert will be happy to help you.


Get The Lowest House Insurance Quotes in Ontario

Shopping for home insurance is worth your time. The simple act of filling out your information on the ThinkInsure website opens up the door to multiple home insurance coverage options.

When you shop online for home insurance quotes in Ontario, you will not only save time, you will also have more insurance quotes to compare, helping you get the cheapest rates.

Home insurance quotes vary based on the insurance company, meaning that if you want to get the coverage you need for your home and at a price that fits within your budget, comparing home insurance online is your best option.

If you need home insurance in Ontario, our experts can help you get the best rates.


How Do I Compare Ontario Home Insurance Quotes?

Cheap Home Insurance Ontario

Comparing home insurance quotes is easier than you think. At ThinkInsure, we make the process as simple and as intuitive as possible. All you need to do is fill out the home insurance quote form with the information about your home, and we will help you find the cheapest house insurance rates, given the information you provide.

Comparing home quotes has never been easier. All it takes is a few minutes of your time to save money.

Compare home insurance quotes online OR call us toll-free 1-855-550-5515 and a ThinkInsure home insurance expert will be happy to help you.


How Much Does Home Insurance Cost In Ontario?

One of the main reasons you get home quotes is to compare costs and explore your options. So, how much does home insurance cost? As you may suspect, the cost of home insurance varies from home to home.

In general, Ontario homeowners can expect to pay anywhere from $700 to $2000 annually for home insurance coverage.

Naturally, this number is based on the value of your home and many other factors that can influence the cost of home insurance.


What Is The Typical Home Insurance Cost In Ontario?

There is no one size fits all formula for determining home insurance costs. Home insurance costs increase as home value increases. For example, you will pay less for home insurance on a $300,000 home than a $500,000 home.

In this sense, there is no typical home insurance cost in Ontario. Home insurance rates are determined on a home by home basis.


Home Insurance In Ontario Average Cost

What Is The Average Cost For Home Insurance In Ontario?

Based on the average home prices in Ontario, the average homeowner can expect to pay between $800 and $1200 annually for home insurance. Additional coverage, location, and other factors can increase costs.

Average homeowners insurance costs in Ontario vary greatly by many other factors in addition to home value and coverage. Location, types of risks, contents, and more are all factored into the determining the average home insurance rates. Compare home insurance quotes in Ontario to get an accurate assessment of insurance costs for your home.


Home Insurance Quotes in Ontario Made Easy!

Get Home Insurance Quotes In Ontario Online

Step 1 - Click To Start : Click here to begin first step in getting online home insurance quotes.

Step 2 - Enter Your Information : Enter applicant and dwelling information in our online insurance quote tool.

Step 3 - Choose The Cheapest Quote : Select the best coverage and cheapest rate from the online home insurance quotes generated.

Get The Best Home Insurance In Ontario For You!

No two homes are the same. We understand that each homeowner who comes to us for home insurance quotes has unique coverage needs. Our dedicated team will provide you with the service and assistance you need to find the right home insurance policy for YOU!

Whether you are getting home insurance for the first time, renewing your policy, need to add a policy endorsement, want to add extra water damage coverage, or simply have questions about your coverage options, we’ll make sure you get the best home insurance for you.


Find Cheap Home Insurance In Ontario With Us!

We know you want the best coverage AND you want the cheapest home insurance too! Our team of insurance experts will shop for quotes, compare rates, and find you the cheapest rates for your coverage needs. We’ve partnered with the top home insurance companies in Ontario to give you more options. This means greater cost saving potential for you!


Get More Than Average Home Insurance In Ontario

Get The Coverage You Need To Protect Your Home

An average home insurance policy just won’t do when it comes to protecting your home. This is why our team takes a personalized approach to helping you with your home insurance needs. We know your home is unique and this is why we take the time to not only find affordable rates, but also the policy and types of coverage you need.


Compare Home Insurance In Ontario And Save

Helping Homeowners Find The Right Coverage And Rates

The best way to save on Ontario home insurance is to compare quotes. We’re experts at helping homeowners in Ontario compare quotes and coverage. You provide us with your information and we’ll do the comparison shopping for you. Saving on home insurance is quick and easy with ThinkInsure.

Compare home insurance quotes online OR call us toll-free 1-855-550-5515 and a ThinkInsure home insurance expert will be happy to help you.


What Is Home Insurance?

Home or homeowners insurance provides you with protection. It helps you financially cover losses and damages to your house, property and assets. It also provides liability coverage for accidents that occur on your property. The scope of your coverage is based on the defined coverage limits, policy type, policy endorsements and you needs.


Why Is Home Insurance Coverage Important?

Home Insurance Quotes Ontario

Your home is your castle. It’s also most people’s biggest asset and the biggest investment you will make in your life, so it's important to make you sure you properly protect it and your property.

Our insurance experts will work with you to understand your home & property insurance needs. Then they will get you the best coverage from our large insurance partner network. We’ll ensure you get the best home insurance quotes and coverage that will put your mind at ease.

Getting a quote for home insurance coverage is important for a number of reasons :


Your Home And Property Is Most People’s Biggest Asset

You’ve probably heard it before. Your home is the biggest financial investment you’ll make. For most people, that’s totally true. And in what has become a period of growing property values in much of Ontario, it’s especially important you think of how you’re protecting your valuable home and property. Protecting your investment starts by getting a house insurance quote.


Home Insurance Can Help If Something Happens

What if your home was suddenly ravaged by fire? Or perhaps totally destroyed? What if you were burglarized and the thieves made off with more than you could imagine? Or some other extensive damage was to occur – such as a tree falling on your home?

Now, we don’t want to appear negative – the worst is unlikely to happen – but that doesn’t mean you shouldn’t be doing the most you can to prepare yourself for any eventuality. That includes getting the proper insurance coverage for your home, property and contents. Home insurance provides you with the protection you need when the unthinkable happens. Make sure you have the right coverage by comparing home insurance quotes.


If You Have A Mortgage, You Need Home Insurance In Ontario

If you have a mortgage, your financial institution or mortgage company will require your home to be properly insured. They want to be protected in the event that something happens. Talk to your financial institution or mortgage company about their requirements for home insurance coverage.


Ontario Home Insurance Claims Are On The Rise

Best Home Insurance Ontario

According to the Insurance Bureau of Canada, property claims as a percentage of total claims have risen significantly over the last decade – from 24.4% to 33.1%.

Whether you’ve seen your home insurance rates go up because of multiple claims or you want to make sure you are getting the cheapest rates, our experts can help you compare house insurance quotes and save.


Tips For Shopping For Home Insurance Quotes

When shopping for home insurance quotes, it’s important to get the most out of your experience so you can get the coverage you need at the best price possible. It’s also important to get a clear understanding of what you are getting a quote for and what is included in your home insurance quote.

Here are some tips for shopping for the cheapest home insurance rates :

  • Prepare all necessary documents and information ahead of time.
  • Get a home insurance quote annually.
  • If you have questions, ask your home insurance provider – never make assumptions about your coverage.
  • Compare home insurance quotes before choosing a policy.
  • Look for additional ways to save.
  • Stay up to date with the current news about home insurance in Ontario.

Following these tips will put you in a great position to get cheap home insurance quotes and coverage.


Compare Ontario Home Insurance Quotes Online

Click below to save on your home insurance.

Compare Quotes


  • Compare quotes from 40+ insurance companies.
  • You could save $400 or more!
  • It's quick, easy and free.

Aviva Home Insurance Quotes
Economical Home Insurance Quotes
Intact Home Insurance Quotes
Pembridge Home Insurance Quotes
Travelers Home Insurance Quote
Wawanesa Home Insurance Quotes

Savings Tip - Call Us

Call to get additional home insurance discounts and expert savings advice. A quick call could save you a lot more!


How Do I Get A Discount On Homeowners Insurance Quotes?

Getting cheap homeowners insurance quotes is important to many property owners. Whether you own a house, condo, or townhome you want to get the best coverage at the lowest rates.

There are plenty of ways you can get discount homeowners insurance quotes. Combining your home and auto coverage, investing in home security, having a claims free record, and increasing your deductible are a few easy ways to get cheaper quotes.


What Does Home Insurance Cover In Ontario?

House Insurance Ontario

Your homeowners insurance policy covers you for damage that is caused by perils such as fire, theft, vandalism, storm damage and more. In general, your home insurance policy provides coverage in four areas :

  • Building & Detached Structures : This includes the actual structure of your home and any other structures on your property such as your garage, shed, and deck.
  • Personal Property :This includes your personal contents and the items that are in your home such as your furniture, electronics, jewellery, and other personal items.
  • Additional Living Expenses : If your home was damaged due to fire, water damage or other peril and you cannot live in your home, you will be provided with living expenses while living outside of your home during repairs.
  • Legal Liability : This protects you against lawsuits as a result of your actions or being owner of the property. It protects you against events such as slip-and-falls and other accidents that occur on your property.

Some Things Not Covered By Home Insurance

Homeowners also need to be aware of things that are NOT covered under their home insurance policy, including :

  • Home-based business.
  • Ownership and use of watercrafts and recreational vehicles.
  • Damage or injuries that are intended by the home insurance policy owner.

Learn more about what is and is not covered under your home insurance policy or learn more about how to get the cheapest home insurance quotes in Ontario. Call us today!


Factors That Can Impact Your Ontario Home Insurance Quote

What Affects The Cost of Home Insurance In Ontario?

Best Home Insurance Companies Ontario

When getting a home insurance quote, it’s important to be aware of the many factors that could have an impact on the quoted rate for your policy. Common factors include :

  • Home value, age, and location (for example, home insurance in is more expensive in a big city than in a smaller Ontario town).
  • Insurance company providing the quote.
  • Home features – pools, old wiring, finished/unfinished basement, age of roof.
  • Your house insurance and claims history.
  • Other bundled insurance products.
  • If you use your home for business or have a rental unit.
  • Security and fire prevention features.

These are some of the many factors that could play a role in determining your house insurance rates. Talk to one of our experts if you have questions about how these factors will impact your home insurance quotes.


How Do I Save Money On Home Insurance?

Tips To Get The Best Home Insurance Rates In Ontario

Whether you are a homeowner or renter, we know that you want to save money on your home insurance policy. No one wants to pay more for coverage than they have to, right? Here are a number of effective ways to get the best home insurance rates :

Compare Home Insurance Quotes Online : Taking the time to compare home insurance quotes online will give you options and allow you to see what the insurance market has to offer. We can help you explore your options, helping you to get the cheapest rates without sacrificing coverage.

Increase Your Home Insurance Deductible : Increasing the deductible on your home insurance policy will help to lower your insurance rates. While this does mean you will pay more out of pocket when you make a claim, raising your home insurance deductible will lower your monthly or annual insurance costs. If you maintain a claims free record for a number of years, you will more than make your money back if you eventually have to file a claim and pay the higher deductible.

Get The Right Amount Of Home Insurance Coverage : There is such a thing as having too much coverage, and too much coverage will cost you more money. Ideally, you want to have the perfect amount of property insurance for your home and belongings. Talk with your insurance provider to make sure to have the right amount of coverage when comparing home insurance quotes.

Increase Your Home Security : Installing motion sensors, burglar alarms and taking other security measures could qualify you for a discount. It will also help protect your home and give you the peace of mind in knowing your home is protected. Plus, insurance companies love when you add extra security features.

Ask About Home Insurance Discounts : Talk with your home insurance provider to see if you qualify for any home insurance discounts. Things change over time, and you could qualify for a discount without realizing it. You could qualify for discounts for being claims free, bundling your home and car insurance, or being old than 50. Discounts offered will depend on your insurance provider.

Quit Smoking : Many insurance companies will offer a lower rate corresponding to the lower risk of fire loss by removing the threat of fire from careless smoking. Talk with our house insurance experts when getting a quote.

Build A Claim-free Record : Fewer claims is always a good thing. Having a clean claims record will help you keep your home insurance costs down. This is always why it’s a good idea to think twice and consider the insurance repercussions and compare costs before deciding to file a home insurance claim.

Talk with our home insurance professionals if you are not sure whether or not to file a claim. We can also help you with the claims process if you decide to move forward.


Bundle Home And Auto Insurance Coverage And Save Even More!

Home Insurance Ontario Average Cost

Combining home and auto insurance under one policy just makes sense, and it will save you dollars! Plus, it will simplify the process when getting insurance quotes, having to file a claim, or managing your insurance coverage.

Combining your home and auto insurance rates will automatically qualify you for an insurance discount. Talk with our insurance professionals today about your bundling options.


Do I Need A Credit Check For Home Insurance?

The short answer is no! While a credit check is a common part of the mortgage application process, it is not required for home insurance. However, if you know you have a decent credit score and perform a soft credit check, you could save money on your property insurance rates by having a good credit rating. Just another possible way for you to save on your home insurance coverage.


Compare Quotes With An Ontario Home Insurance Calculator

A home insurance calculator is an important tool that you can use when getting home insurance quotes. In addition to working with a house insurance expert, they can provide you with an additional option to compare quotes and coverage before making a decision.


How Does Homeowners Insurance Work?

Homeowners insurance works similarly to any other insurance product. You purchase a policy to protect your dwelling, property, and personal belongings in the event it is damaged or you suffer a loss.

Choose a policy and coverage that meets your specific needs. If you experience damage or loss, file a home insurance claim and your insurer will provide you with the funds needed to repair and replace the damaged and lost belongings.


How Do I Know If I Have Enough Home Insurance Coverage In Ontario?

Starting with the basic notion that all Ontario homeowners should insure their houses according to the cost of rebuilding the house in the event it was destroyed, there are three ways of determining adequate home insurance coverage.

1. Home Information : Know your home including the year it was built and how it is built. Helpful home assessment checklists can be found online.

2. Go To A Pro : your insurance professional – to help calculate the proper rebuilding value based on your home details.

3. What Do You Own : Take stock of what you own and create a complete room-by-room inventory of your belongings. It'll help you get the right coverage and make it easier filing a claim.

These three tips will help ensure you have the right amount of insurance to cover your home and your personal belongings.


Understanding The Main Types Home Insurance Coverage Ontario

What's The Difference Between Comprehensive, Basic / Named Perils, Broad And No Frills Insurance Coverage?

Homeowners coverage is broken down into a number of main types. They are comprehensive, basic (named perils), broad, and no frills coverage. Personal liability coverage is also included. The specifics of what is covered vary based on your coverage type and insurer.

Online Home Insurance Quote Ontario

While these are general terms that may not coincide with the specific wording your insurance company uses, they do highlight the fact there are different types of insurance policies you can buy. What follows is a brief overview of four basic types :

Comprehensive Coverage

The most inclusive home insurance policy, a comprehensive policy covers both the building and its contents for all risks – except for those specifically excluded. Two types of insurance risks not normally included are those for which you can buy insurance (often deemed "optional coverage") and those for which insurance is not available ("uninsurable perils").

Basic / Named Perils Coverage

By carrying the financial risk of some losses yourself, you can choose a policy that covers only the perils specifically stated in your policy. This type of policy naturally costs less than a comprehensive policy.

Broad Coverage

If a named perils policy seems too risky and a comprehensive policy costs more than you want to pay, the broad insurance policy is a mid-priced alternative. It typically provides comprehensive coverage on the building and named perils coverage on contents.

No Frills Coverage

Some insurance companies will offer very basic "no frills" coverage for properties that don't meet their normal standards. However, you might save money in the long run by correcting the problems that keep your property from meeting insurers' standards, thus qualifying you for better coverage.


What About Getting Extra Home Insurance Coverage For My Home?

Additional protection, also known as optional coverage, can be purchased to provide greater peace of mind. Earthquake coverage, for example, covers loss or damage to your property caused by the actual shaking of the earth.

Sewer back-up coverage, especially if your home is in a low-lying area or is in an area where storm and sanitary sewers are combined, can provide vital coverage. It's important to recognize that these perils are not automatically included in home insurance policies.


How Does Unoccupied Home Insurance In Ontario Work?

Whether you are planning a house renovation, travelling for an extended period of time, are a snowbird, or just bought a new home and don’t plan to move in immediately, you need proper coverage for your vacant home.

Most don’t realize your policy will not cover you for certain perils if you leave your property unoccupied for an extended period of time.

At ThinkInsure, we can help get unoccupied home insurance for these situations. Also known as vacant home insurance or uninhabited home insurance, this type of policy ensures you’re covered when you’re not home.


When Should I Compare Home Insurance Quotes In Ontario?

Homeowners Insurance Ontario

An Ontario Home Insurance Comparison Is Always A Good Idea

  • Now : You can always get a home insurance online to compare quotes and look for cost savings.
  • Prior to purchasing a home : It’s a good idea to compare home insurance quotes of a home you are considering prior to purchase.
  • Policy renewal : Renewal time is a great opportunity to find cheaper rates and save.
  • Changes in coverage needs : A change in coverage can mean a change in rates and an opportunity to lower home insurance rates.

Ontario Home Insurance FAQs

We know you have questions about your homeowners insurance policy, coverage options and more. Here’s a list of the most commonly asked questions about home insurance :

Home insurance coverage is needed by homeowners to protect them against a variety of risks and liabilities. Without coverage, you would have to pay for damage out of pocket.

The Insurance Act outlines the rules and regulations for insurance in Ontario. All insurance policies must operate in accordance to this act.

High value home insurance refers to policies and coverage that is catered to property with higher than average values. Century and heritage homes and properties with unique and custom features would fall under this category.

Home insurance is not legally required in Ontario. However, you will need to show proof of insurance to secure a mortgage. Plus, you will have peace of mind knowing you are covered.

Yes. There is tax on your home insurance premium in Ontario. You pay HST at a rate of 8%

There are a number of insurers that offer mobile home insurance coverage. Contact us today to compare quotes for mobile homes in Ontario.

It depends on the situation. Not all basement leaks may or may not be covered based on the specifics of your coverage. If you’ve had a history of leaks and failed to repair the issue, your claim could get denied. Speak with your insurer to see if you are covered.

Earthquake insurance coverage is not typically covered in normal homeowners insurance policies. You can purchase coverage as an add-on policy.

It depends. Your fence is considered an extension of your property included in your policy. If your fence is damaged by weather events, is damaged by a third party, or is vandalized, then it will typically be covered. Damage as a result of wear and tear is not covered.

If your fence is blown down as a result of wind storm or weather related event, then it is typically covered under your homeowners policy. Some limitations may apply.

In most cases, your policy is covered for fallen tree damaged caused to your home. You will also be covered for additional living expenses (if applicable), and the cost of removing the tree.

If the tree falls onto your lawn and causes no damage, you will be responsible for removal. If tree damage is caused by a dead tree or branches, you may not be covered. It is a homeowners responsibility to properly maintain all trees on their property.

Many home insurance policies do extended coverage to children attending college. There are some policy limits. Coverage may be limited to on campus living in a student residence. Additional fees may also apply. If your policy does not cover your child, tenant insurance will provide adequate coverage.

No. Whether you rent out a room or your basement in your home, you will need to add additional rental property coverage to properly protect yourself. If you do not live in the home you are renting, you will need to get a landlord insurance policy.

No. A standard homeowners insurance policy doesn’t not coverage tenant damage. If you rent your property you require a landlord insurance policy.

Yes. Your policy will provide you with coverage for loss and damage as a result of a burglary or break in. You will receive compensation for your losses and the cost to repair your home.

You file a home theft claim the same as other house insurance claims. Once you file a police report, contact your insurer immediately to open your claim.

Most policies offer limited coverage for jewelry. An additional home insurance rider is required to coverage jewelry and other high ticket items. Most policies do not cover lost jewelry.

Similar to any other type of jewelry, your coverage is very limited. You can insure wedding rings through an additional policy rider.

Similar to damage caused by other types of animals, your policy may cover damaged caused to your home by squirrels if you have comprehensive coverage. Contact your insurance company to verify coverage

Property insurance is a broader type of coverage that can provide coverage for more than just homes. Property insurance policies are available for commercial buildings, businesses, condos, apartments and many other types of property.

While most home insurance policies share the same coverage elements they are often customized to meet your specific needs. Every home requires customized coverage based on their home location, risks, contents and needs.

Yes. You can arrange home insurance coverage for your new home. Mortgage lenders require proof of home insurance before closing can be finalized. Speak with your lender about specific policy requirements.

You are not required by law to purchase homeowners insurance. However, without coverage, you are increasing your financial risk

No. These are two separate types of insurance coverage. Mortgage insurance covers the value of your mortgage if you were to default on your mortgage loan. You are required to purchase this coverage if you put less than 25% down on your mortgage.


Ontario Home Insurance Blog

ThinkInsure takes pride in helping Ontario homeowners save on their home insurance and making sure they have proper coverage on their biggest asset. We update our site regularly with information and tips on insurance savings, safety, news and much more.

Home Insurance Claim Oct 5, 2018:   Filing a home insurance claim? Get answers to common questions about how it works, what to expect, and get great tips and advice for managing the house insurance claim process.  


Home Inventory List For Insurance Jun 4, 2018:   You never know when you could experience a loss or need to file an insurance claim. Do you have a home inventory list? Not sure where to start? Use our tips to help you build a thorough and trackable home inventory record.  


Theft And Homeowners Insurance Dec 5, 2017:   Learn how to prevent home theft. This blog provides you with some great information about home security, tips to protect your home from burglars, and answers some of the most common questions about home insurance and theft.  


What is a home insurance premium Oct 18, 2017:   What is a property insurance premium? Learn about the types of home insurance premiums, factors that can impact your house premiums, how to calculate property insurance premiums, as well as tips for how to lower home insurance premiums.  


Read more articles


Home Insurance Quotes No Matter What Type Of Home You Live In

We understand that people live in different types of homes and need different types of home insurance.With our large selection of home insurance companies we can get homeowners or renters the cheapest quotes for the coverage they need.


Home Insurance Quotes Coverage For All Of Ontario

We are a licensed Ontario home insurance provider, so if you own a home in Ontario we can get you coverage.

Since we work with so many insurance companies that offer coverage in Ontario, you'll be able to compare multiple home insurance quotes for your region and get the lowest rate. Find cheap home insurance rates in your area :

We can also get you coverage if you live in Alberta :


Best Home Insurance Companies In Ontario

We can get you coverage from the top home insurance companies in Ontario. With over 40 insurance partners we can compare the cheapest home insurance quotes to save you money. Here some of the home insurance companies we work with :


Additional Resources For Ontario Homeowners


Compare home insurance quotes online OR call us toll-free 1-855-550-5515 and a home insurance expert will be happy to help you.



ThinkInsure - Ontario Home Insurance