Save On The Home Insurance You Need
Compare the best quotes from the leading home insurance providers in Canada.
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.
We’ll find you the cheapest quotes based on your policy needs. We’ll look for cost savings and discounts to help you save.
Have questions about your policy? Looking for new ways to save? We’re an independent brokerage. Get unbiased coverage advice.
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.
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 :
This provides you with the greatest amount of coverage against the largest range of threats. It covers your building structure and its contents.
This policy provides comprehensive coverage on the building and named perils coverage on contents. It is a more affordable option.
This policy covers perils specifically stated in the policy. It’s an ideal policy for homeowners looking to save money on coverage.
This type of coverage is not offered by all insurers. It offers basic coverage for homes that are not typical properties.
Get coverage for damage from flooding caused by overflowing rivers, streams, lakes, and bodies of water. Not available in flood plain regions.
Provides coverage for damage caused by sewer back-ups. Also covers damage from backed up drains, showers, and toilets. Not included in standard policies.
Accidents happen. Get protected and maintain your claims free status after your first property claim.
Get protection if you unintentionally cause property damage or bodily injury to others.
Lower your deductible amount each consecutive year that you are claims free.
Get coverage for your valuables that are not included in a standard policy. This includes jewellery, art, collectibles, electronics, and other high ticket items.
Get the full amount of coverage you need to repair your property and replace contents. There is no deduction for depreciation.
This provides coverage for extra expenses that are not fully covered by your home insurance policy. Not all companies offer this coverage.
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!
Have good credit? Allow your insurer to do a credit check and it will reduce your insurance policy costs.
Protect your home and insurance budget. Install a monitored security or fire alarm system in your home to qualify.
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.
Renewing your policy and keeping your coverage with the same insurer can save you money. Get rewarded for your loyalty.
Age is a factor when setting homeowners insurance rates. Get a discount for being a mature homeowner. Age qualification varies by insurer.
Install water damage prevention measures such as a sump pump, backflow value, and other leak prevention steps to save.
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.
Congratulations on paying off your mortgage! You’ll also qualify for a home insurance discount!
Homes constructed with bricks are less prone to accidents and damage. If you own a brick home you could qualify for a policy discount.
Buy a new home? Save money on your policy for owning a newer build because they are less likely have issues.
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.
Tell us about yourself and your home or property insurance needs.
We’ll find the best quotes and coverage from our large selection of home insurers.
Choose the best rate and then your home is insured. It’s that easy!
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.
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.
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 :
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:
There are four main types of coverage included in your home insurance policy:
Home insurance costs can vary greatly based on many factors, including:
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!
Average of 4.7 out of 5 stars in 653 Google reviews
Robert Spadafora
2020-02-12 19:16:05
Sandy Kerr was excellent to work with! She was fun, prompt in answering any inquiries and contacted me frequently with updates throughout the process. She was very friendly and helpful explaining any questions I had. I recommend anyone stuck in an insurance situation to give her a call!
Brooke Boomhour
2020-02-12 15:36:13
I am so incredibly happy and impressed with the customer service I received from Sandy Kerr. She really did go above and beyond to help me find auto insurance. My circumstance was not ideal, (switching provinces, not the best driving record) and she went through every obstacle for me to get the most accurate quote. Would highly recommend ThinkInsure just because of Sandy being so wonderful!
Maddy R
2020-02-11 23:25:08
Rafael gave me a great quote on car insurance, saving me a large sum of money each year.
Andrew Morris
2020-02-11 19:36:25
Natalie was very help in assisting me with my car insurance package, would highly recommend.
Vicentiu Gabriel Bobarnac
2020-02-11 17:28:01
Exelent service, profesional .They deliver what they promise
Colin Stevenson
2020-02-10 02:49:49
The customer service i received form Sandy Kerr was exceptional and the best service you could possibly receive.Sandy was very professional and amazing to work with. Thanks Sandy for all your help with the insurance process.
Tara Walker
2020-02-09 17:45:15
really helpful.. I was insured that afternoon.
tick aeg
2020-02-08 21:25:46
Sandy Kerr explained all my insurance questions in very professional way. Thanks
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.
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:
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 :
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.
Read our insurance blog get helpful tips, information and news.
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.
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.
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.
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.
