Home Insurance

Helping Homeowners Save On Home Insurance

We know you want to save on home insurance. Comparing home insurance quotes is the best way to find the right coverage and save. For over 45 years we’ve helped homeowners just like you get the coverage they need.

Buying a home is one of the biggest investments you’ll make in your life. Protect it with an effective home insurance policy. Whether you need to renew your current house insurance policy or you are comparing quotes for the first time, we have your back. Have comfort in knowing you have coverage that fits your lifestyle and budget.

Get the cheapest home insurance quotes Get the cheapest home insurance quotes

We’ll find you the cheapest quotes based on your policy needs. We’ll look for cost savings and discounts to help you save.

Expert home insurance advice Expert home insurance coverge advice

Have questions about your policy? Looking for new ways to save? We’re an independent brokerage. Get unbiased coverage advice.

Home insurance service Home insurance service you can count on

Get help you with all your home insurance needs. Call us to update your policy, get claims advice or compare quotes. We’re always here to help you.

Get A Customized Home Insurance Policy

Our home insurance experts will make sure you get the proper coverage.

Home insurance policies can take on many forms. The coverage you choose will depend on your location, type of home, coverage needs, and more.

Here are the main house insurance coverage options :

Get The Best Home Insurance Discounts

Bundle Home And Auto To Simplify and Save

Bundle home and auto insurance to simplify and save.

Want to save even more money? Make it easier to manage your insurance coverage. Combine your home and auto insurance coverage with the same insurance company and save on both policies. Get instant savings!

Good credit Good credit

Have good credit? Allow your insurer to do a credit check and it will reduce your insurance policy costs.

Home alarm Home alarm

Protect your home and insurance budget. Install a monitored security or fire alarm system in your home to qualify.

Claims free Claims free

It pays to be claims free. Stay claims free for a specified period of time and save. The longer you are claims free the more you’ll save.

Loyal customer Loyal customer

Renewing your policy and keeping your coverage with the same insurer can save you money. Get rewarded for your loyalty.

Mature homeowner Mature homeowner

Age is a factor when setting homeowners insurance rates. Get a discount for being a mature homeowner. Age qualification varies by insurer.

Water damage prevention Water damage prevention

Install water damage prevention measures such as a sump pump, backflow value, and other leak prevention steps to save.

Multiple policies Multiple policies

Own more than one property? Bundle them all with one insurer. Combine coverage for all types of properties – primary residence, condo, cottage, rental unit, more.

Mortgage free Mortgage free

Congratulations on paying off your mortgage! You’ll also qualify for a home insurance discount!

Brick house Brick house

Homes constructed with bricks are less prone to accidents and damage. If you own a brick home you could qualify for a policy discount.

New home discount New home discount

Buy a new home? Save money on your policy for owning a newer build because they are less likely have issues.

Quickly Compare Home Insurance Quotes And Save

Find the best coverage in minutes

We make it easy for you to compare home insurance quotes. It only takes a few minutes of your time to find coverage and save. Getting home property insurance is as easy as starting a quote, entering your information and choosing the cheapest quote and best coverage.

Quickly provide your details Quickly provide your home and property details

Tell us about yourself and your home or property insurance needs.

We will search for the best savings We’ll search for the best rates and coverage

We’ll find the best quotes and coverage from our large selection of home insurers.

You select lowest price and buy your policy You select the best price and get your policy.

Choose the best rate and then your home is insured. It’s that easy!

How Much Does Home Insurance Cost In Canada?

Home Insurance Costs In Canada

Determining an average cost for home insurance is challenging. Since there are so many factors used to set home insurance costs, rates can vary significantly. Where you live, risk factors, the size and type of home, replacement value and many additional factors impact policy costs.

Home insurance can range from as little as $800 or less per year to more than $2000, depending on your home and where you live. The average for Canadian homeowners is about $850 annually. Quebec residents tend to pay the cheapest rates, Ontario, BC and Alberta tend to have the highest home insurance rates.

Get Coverage From The Top Canadian Home Insurance Companies

Shop and save by comparing rates from the top home insurance brands.

We know you have specific coverage needs. Having more options is always better. We’ve partnered with the leading providers of home insurance coverage to ensure you get the best house insurance rates. Protect your home with the right policy. Get the best rates and save.

See all companies

Home Insurance Companies

Things You Need To Know About Home Insurance In Canada

You can legally own a home in Canada without home insurance coverage. However, not having house insurance is extremely risky. If your home was damaged, you would have to pay for repairs out of your pocket. Here’s why you should always have home insurance coverage :

  • Protect your investment : Insurance protects your home from a variety of risk and threats. It protects your investment in your property.
  • Reduce financial risk : Insurance reduces the risk of financial loss. Without coverage, a fire or flood could cripple you financially.
  • Proof of coverage to get a mortgage : Mortgage lenders require proof of house insurance in order for you to secure a mortgage.
  • Claims are on the rise : There has been an increase in flood, fire, and other weather related claim risks. Insurance protects you from these risks.
  • Peace of mind : Simply having peace of mind in knowing you are covered if your home is damaged is reassuring.

The amount of home insurance you need is unique to your situation. You need enough coverage to cover the cost to rebuild your home if it was damaged beyond repair. You need enough coverage to completely rebuild your home from the ground up after a loss due to fire and other significant sources of damage.

The replacement cost of your home is based on your property, home structure, and its features. To get a detailed assessment of the cost to replace your home, get it appraised by a professional.

Getting a house insurance quote is not the only way to save money. Here are some other ways to make home insurance more affordable:

  • Increase your home insurance deductible : This will lower your home insurance rates. The more you increase your deductible, the more you will save.
  • Don’t over insure : Protecting your property is important, but you can overdo it. Setting coverage limits too high and adding coverage you don’t need will only cost you more money.
  • Improve home security : Insurers like safe and secure properties. Adding security systems and taking precautions will quality you for insurance discounts.
  • Stay claims free : Too many claims will cause your home insurance rates to increase. Think twice before you open a claim. It could cost you. Not sure if you should file a claim? Speak with our insurance experts to explore your options.
  • Inquire about home insurance discounts : The type and amount of discounts insurers offer vary widely. Ask about insurance discounts you may qualify for.

There are four main types of coverage included in your home insurance policy:

  • Building and Detached Structures : This part of your policy covers the physical structure of your home. It also coveres detached structures such as your garage, deck, shed, and fence.
  • Personal Property : This provides coverage for your personal contents and the items in your home – clothing, furniture, electronics, and other personal belongings.
  • Additional Living Expenses : If your home was unfit to live in after damage caused by an insured peril, your policy will reimburse you for the cost of a hotel and other living expenses.
  • Legal Liability : This coverage provides protection from lawsuits as a result of personal injuries or negligent actions caused on your property.

Home insurance costs can vary greatly based on many factors, including:

  • Your location : City, neighborhood, proximity to fire hydrant, emergency services.
  • Size of your home : Larger homes cost more to insure.
  • Primary use of your home : Do you have a home business, rent out your basement?
  • Home type: Home, condo, townhome, duplex.
  • Age of your roof : An older roof is more likely to result in a claim.
  • Building materials and systems : Type of heating, electrical, plumbing.
  • Replacement cost : The more it costs to replace your home, the higher the rates.
  • Deductible : A higher deductible lowers insurance costs.
  • Claims history : Staying claims free will lower costs.
  • Type of coverage : The amount of coverage impacts rates.
  • Additional coverage : Policy add-ons increase your premiums.
  • Discounts : Bundling coverage and taking advantage of insurance discounts will help lower rates.
  • Quote frequency : The more often you get a quote, the more likely you’ll be in a position to get cheaper rates.

Our Customer Reviews

We take pride in helping you protect your home.

We’ve helped homeowners just like you find the right policy at the best price. Here is what some of our satisfied customers are saying about using ThinkInsure to get home insurance.

We Have Hundreds Of 5 Star Reviews!

Review Rating Review Rating

Average of 4.7 out of 5 stars in 653 Google reviews

Get 24/7 Home Insurance Claims Assistance

Quotes From 40+ Insurance Providers

We’re here when you need us the most.

You never know when something could go wrong at home. Whether is unpredictable. Break-ins happen. Water damage can occur in many ways. If you need to file a claim, we’re ready to help. Get claims advice, guidance and information. We advocate for you and we’ll help you throughout the claims process.

Get Your Home Insurance FAQs Answered

Here are some common questions we get :

No. House insurance in Canada is not legally required. You can own a home without coverage. But, you will need proof of house insurance to secure a mortgage loan. You cannot get a mortgage without a home insurance policy.

While home insurance covers many things, it typically does not cover home businesses, property wear and tear, property maintenance, flood damage, mold removal, earthquakes, and deliberate acts causing damage. It also does not cover high ticket items such as jewelry, art, and collectibles.

We all want to get the best home insurance quotes. We also want the best deal on our homeowners insurance policy. Here are some tips to get the best rates and coverage:

  • Use a broker : An insurance broker works for you. They can provide you with more coverage options. Since they can compare quotes from multiple insurance companies, they give you the best chance to save.
  • Provide accurate information : Provide as accurate information as possible when getting a quote. This will help you get the coverage you need to protect your property and contents.
  • Ask about discounts : There are a variety of insurance discounts available. Some you will qualify for, others you may not. Asking about them will help you capitalize on as many discounts as possible.
  • Make comparing quotes a habit : Every time your policy comes up for renewal is an opportunity to review your coverage, compare rates and find more ways to save.

The insurer who offers the cheapest insurance will vary based on your coverage needs, home location, type of property and many other factors. Home insurance rates change over time. One insurer may have the best rates today, but another company could offer better rates in the future. Comparing quotes helps you find who has the best rates when you need coverage.

To get an accurate home insurance quote you will need to provide :

  • Postal code
  • Policy type
  • Policy date
  • Personal contact information
  • Replacement cost
  • Distance from fire hall, hydrant
  • Building details (build and construction type, heat source, alarms)
  • Home insurance and claims history
  • Additional information may be required

Gather this information before starting a quote to speed up the quote comparison process.

A home insurance premium is the amount of money you pay to get home insurance coverage. The cost of your premium varies based on many factors. Get a quote to estimate your house insurance premiums.

While some water damage is covered, flood damage is typically not covered in standard home insurance policies. You can take out additional coverage for flood protection.

Home insurance deductibles typically range from $500 to $2500 or more. A good deductible is one you can afford to pay in the event you file a claim. For example, if your deductible is $1000, you should feel financially comfortable paying this amount out of your pocket when you file a claim.

You can cancel your insurance policy at any time. Depending on when you cancel and the details of the situation, you may be required to pay insurance cancellation fees.

Insurance Blog And News

Read our insurance blog get helpful tips, information and news.

2019-07-10

Ontario Home Insurance Average Cost

What is the average home insurance cost in Ontario? We’ll take a look at the average cost of homeowners insurance in Ontario and top factors that influence the average house insurance rates.

2018-10-05

Home Insurance Claim – House Insurance Claims Process Tips & Advice

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.

2017-06-12

Wiring And Electrical Insurance Considerations - Knob and Tube, Aluminum Wiring, 60 AMP Service

Electrical wiring and home insurance is just one of the many considerations if you are considering buying an older home in Ontario. Homes built prior to the 1980s can have wiring issues that impact home insurance rates.

2017-05-05

A Guide To Dealing With Mold Damage In Your Home

Do you own a home in Ontario? Do you have mold removal coverage as part of your water damage insurance coverage? Learn about your home insurance coverage options, the potential dangers of mold, where it grows, how to identify it, prevent it, and how to deal with mold water damage cleanup.