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Helping Canadian homeowners find the best home insurance

Finding the best home insurance rates and coverage begins with a quote. With home insurance premiums on the rise and the increased frequency of property damage caused from climate change, it's essential for Canadian homeowners to have proper coverage without overpaying. Using a home insurance broker to compare quotes and coverage options from multiple providers is the easiest way to do this.

With ThinkInsure, you'll get expert home insurance advice, personalized coverage and affordable rates. We'll find you the best home insurance quote from our large selection of insurers to help you save and ensure your property and belongings are protected.

Get started by completing a home insurance quote online or speak with an advisor. Saving on home insurance is quick and easy with us. Keep reading to learn more about home insurance in Canada and how you can save on your policy.

Important things to know about home insurance in Canada

Home insurance is not mandatory in Canada. However, it's required by lenders to secure a mortgage.
Polices come in many shapes and sizes. A home insurance expert can help you choose a personalized plan to meet your unique needs.
Many things affect how much you pay for home insurance, such as location, home type and features, and your claims history. Comparing quotes from multiple providers is the best way to save.

How to get a home insurance quote

It's quick and easy to get a home insurance quote. Follow these steps to find the lowest rates from Canada's top insurers!

1) Start your quote

Enter some personal info to get started.

2) Enter your home details

Tell us about your home and property.

3) Compare rates

See the best rates from the leading home insurers.

Choose your policy

Select the lowest rate and speak with us to quickly get insured.

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What is home insurance coverage?

granddaughter with kids in Front of house

Safeguarding your home is a top priority for Canadian homeowners, and insurance is part of that protection. Home insurance protects your property, belongings, and assets against damage, liability or a significant financial loss.

Commonly referred to as homeowners or house insurance, it’s a type of property insurance for private dwellings. The purpose of home insurance is to protect you from having to pay a large sum of money after an unforeseen event (fire, water damage, etc.)

You typically buy standard home insurance in a package. This policy includes protection for your home structure and contents. It also protects you from personal liability (legal responsibility for events on your property). You can also add endorsements and additional coverage to customize your policy.

Your level of protection will depend on your plan details and limits. No two plans are the same, and coverage options, deductibles, and plan limits vary by provider. Home insurance is different from mortgage insurance or your home warranty. Those are separate products.

Plans are offered directly through insurance providers via insurance brokers. Comparing home insurance quotes allows you to assess your options and choose a plan that best addresses your individual needs.

Why do I need home insurance?

You can legally own a home in Canada without insurance. However, not having insurance is ill-advised. If your home is damaged, you would have to pay for repairs out of your pocket. You’d be liable if someone is injured on your property. You’d also be on the hook to replace lost or stolen items after a break-in. Here’s why you should shop around, compare quotes, and always be insured:

Protect your investment: Insurance protects your home from a variety of threats. It protects your investment.
Reduce financial loss: Insurance reduces the chance of financial loss. Without it, fire or flood could cripple you financially.
Legal protection: You have liability coverage if you were to be sued if someone is hurt on your property.
Proof of insurance to get a mortgage: Mortgage lenders require proof of insurance for you to secure a mortgage.
Claims are on the rise: There has been an increase in floods, fires, and other weather-related threats. Insurance protects you.
Peace of mind: Simply having peace of mind in knowing you are covered if your home is damaged is reassuring.

What does a home insurance policy cover?

woman working on laptop computer sitting at home with a pet

Multiple types of coverage are part of your plan. Most people know you have coverage for your things and to repair your home if it's damaged. But there is more to it than this. There are four main areas you should know about in your home insurance:

Building & detached structures

Your plan will cover your physical dwelling as well as detached structures. This includes your primary residence, garage, shed, garden, deck, and other structures on your land. Your coverage amount is based on the replacement value of your home.

Let’s say lightning struck a tree on your property. A large branch fell and caused damage to your shed, deck, and roof. Insurance will help pay for the repairs.

Personal contents and belongings

You are covered with contents insurance for the personal belongings and contents within your dwelling and property. You are protected against financially insured loss of these items because of damage, loss, or destruction. This includes personal items such as clothing, furniture, equipment, and electronics. It also includes appliances, décor, tools, and other items.

For example, you have a flood in your basement. All your personal belongings in the basement are waterlogged. You will receive compensation to replace these belongings.

Coverage also extends to when you carry personal items with you outside of the home. For example, if your bike is stolen while you’re at the park or your laptop is stolen while you are on vacation. You are subject to plan limits.

Liability

As a homeowner, you are legally responsible for ensuring people do not get injured on your property or have their personal belongings damaged.

Personal liability insurance will help protect you financially if you accidentally cause damage or injury to a third party. This can include actions taken by your children and pets to others. You will receive legal shelter if someone sues you. Liability coverage includes:

Personal liability: Coverage for lawsuits against you by people who have been injured on your property. For example, a delivery person slips and falls on your steps because they are icy. Your dog bites one of your neighbours. Up to $5 million.
Voluntary medical payments: You unintentionally injure someone on your property. Your insurer will cover medical expenses up to the defined plan limit. Up to $10,000.
Voluntary property damage: If you or your dependents accidentally cause damage to another property. For example, your child hits a baseball, and it smashes a neighbour's dining room window. Your insurer will help reimburse the owner. Up to $6,000.

Additional living expenses

Situations arise where you may lose access to your house. This is when additional living expenses can be very helpful.

For example, if your house was damaged and deemed unfit to live in. In these situations, you have coverage for additional living expenses, such as the cost of staying at a hotel. Knowing your policy will help with living expenses if you are ever in this situation gives you peace of mind. Coverages and packages can differ by province. Most will provide you with expenses up to 30% of replacement cost.

What threats (perils) are covered in a typical home insurance policy?

a house in the middle of autumn forest in Canada

Many things pose a risk to your property. These threats are called a home insurance peril - an event that causes damage or loss to your property. Home insurance policies are designed to protect you from most of them.

Standard insurance policies offer safety from the following risks:

Fire, lightning, and smoke damage (excluding fireplaces): Lightning strikes your house during a storm and causes a fire. Or you have a fire.
Theft: You come home from work to find that your home was compromised and your valuables were stolen.
Wind and hail: A wind and hail storm causes damage to your roof and siding. A large tree branch falls onto your home.
Electrical current: A power surge runs through your home, damaging your electronics or appliances.
Power outage: A storm causes an extensive power outage, which can spoil food and damage some home systems.
Explosion: An explosion from a gas leak, system failure, or external explosion from an unexpected source.
Vandalism: Some kids in your neighbourhood spray paint your garage and damage your landscaping.
Water damage: Your dishwasher or washer overflows, a water main breaks, and water leaks into your basement. Not all water damage is covered by standard policies.
Broken windows: A thunderstorm breaks a couple of windows. A tree branch falls and breaks your sliding glass door. Or kids accidentally hit a baseball through your living room window.
Falling objects: An electrical pole or street light falls and hits your house. Debris from a plane damages your property.
Property damage: Your property is damaged by the actions of a third party.
Forest fire: A forest fire breaks out, and fire damages your property. Additional insurance is required.

Exceptions may apply. Consult with your home insurance company or advisor for a more detailed understanding of what is included in your policy and how you can get additional coverage for what's not included.

What is not covered by home insurance?

All home insurance policies have exclusions. These are risks your insurance company will not cover. Pay attention to the policy wording and make note of exclusions and limitations. Never make assumptions about what is included. Here are some uninsured activities that are not covered:

Business use: You will not be covered for damage resulting from business activities your insurer is not aware of. You’ll need to add a home business policy or endorsement to protect your business and your home.
Pre-existing issues: When you purchase a new property, you will not be covered for damage that already exists. Insurers may require you to repair existing issues before they give you a policy.
Home-sharing: Leasing your home on short-term rental sites like Airbnb requires you to have a separate policy. Not all insurers offer Airbnb and home-sharing insurance.
Criminal acts: Damage, loss, or liability because of criminal activities is not included.
Fraud: Deliberately misleading or lying on your insurance application or during a claim will result in claim denial. It could lead to criminal charges.
Moral risk/neglect: Failure to care for your property or disregarding safety measures to protect your dwelling because you know insurance will cover it. For example, not installing a fire alarm because you know the insurer will cover fire damage.
Jewellery collections: You’ll have minimal coverage for things like jewellery in a standard plan. Take out a jewellery insurance policy to protect your keepsakes.
Cash: Large sums of cash are not covered.
Rare art, collectibles, and furs: You can get separate coverage for these items. Speak with your broker to ensure you have the right protection in place.
Some types of sporting equipment: Specialized equipment or expensive gear is not included in standard policies.
Frozen pipes: Damage from frozen pipes is not covered if you are away from home or fail to take preventative measures.
Vacant properties: Leaving a property vacant increases risk. Therefore, you’ll need to take out a vacant home insurance policy to protect your dwelling while it's uninhabited.
Damage from wear and tear: Homeowners have an inherent responsibility to maintain their property. Failure to do so is not a peril covered by insurance providers.
Damage by rodents, vermin, and insects: This is considered preventable damage. This is considered wear and tear.
War, terrorism, and nuclear events: These events are not covered by insurance.

Types of home insurance coverage in Canada

There are several types of home insurance coverage you can choose from. Each one adds more protection, but it will also cost more. You can choose a basic plan, get a comprehensive plan, and even customize it with endorsements. The type of policy you require will depend on your location, dwelling type, needs, and a variety of other personal factors. For example, whether your home is new or older, you have a swimming pool, or you are living in an area with greater flooding potential.

Most people opt for comprehensive coverage because it covers more expenses. However, all plans are subject to a deductible, which can vary depending on the plan type and your preference.

Here is an outline of the different types of protection available:

Basic coverage / named perils

Basic named home perils coverage includes everything explicitly stated in the policy. It is an ideal choice for people looking to save money. It is the cheapest option, providing the most savings but the least protection. It’s the least popular coverage option among our customers. About 6% of ThinkInsure policyholders have this protection.

You are only protected from what is listed. Here is a scenario to explain how this works:

You have a named perils plan. You choose not to include vandalism as a peril. You wake up one morning to find your garage door has graffiti on it. Your insurance will not cover the repair because your plan did not list vandalism.

Broad coverage

Broad coverage provides comprehensive protection on the building and named perils coverage on contents. It is a more affordable option. About 9% of our customers choose this coverage.

In this situation, you have coverage for most types of damage or loss to the structure of your home (some limitations may apply). However, you only have protection for belongings listed in your policy.

Comprehensive coverage

Comprehensive home insurance coverage provides you with the greatest amount of coverage against the largest range of threats. For this reason, it's the most popular among our policyholders. Based on quote data from our customers, 85% choose comprehensive coverage over other options.

It covers your structure and its contents. You will be insured unless a peril is specifically excluded.

This does have a few exclusions – sewer backup, overland flooding, and earthquake. These can be added as endorsements.

No frills coverage

All insurers do not offer this. It provides basic protection for homes that are not typical properties. This could include properties under construction, vacant properties, and other uncommon situations.

How much does home insurance cost in Canada?

Determining the average cost of home insurance is challenging. It varies significantly based on where you live in the country and the features of your property. It’s different for everyone.

Your premiums are based on multiple complex factors. Each insurance company uses a unique set of variables to assess your level of risk and assigns a rate accordingly. The size and type of construction, rebuild amount, weather conditions in your region, and many additional considerations are used.

Home insurance premiums can range from as little as $800 or less per year to more than $2,000, depending on where you live. For example, Quebec residents tend to pay the lowest. Home insurance in Ontario and Atlantic Canada tends to have the highest costs.

The average Canadian homeowners' insurance is about $1,200 annually, but it is going up due to more people doing renovations, the cost of materials, supply chain issues, and climate change. Home insurance rates are trending upward.

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Kevin St Clair

2024-11-28

Betsy was a genuine pleasure to deal with considering the circumstances. Thanks again for all your help

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2024-11-27

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2024-11-20

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2024-11-15

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2024-11-05

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2024-11-04

Great service! Prompt and very helpful! Thanks to Todd allan for really helping me out!

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2024-11-01

Great experience working with Sohel Rahman, appreciate his honest and can-do attitude. Highly recommend!

What factors impact your home insurance quote?

Many different things affect your home insurance quote and how much your premium will be. Your home's age, features, construction type, and cost to repair all affect how much you’ll pay for insurance. Insurers use various considerations to assess your unique details and level of risk.

Home insurance needs are diverse. The homeownership rate in Canada is 67.8%, and there are over 14 million private dwellings across the country. So, insurers use a variety of considerations to assess your unique details and level of risk.

You must provide your dwelling information so insurers will have a more accurate assessment of your level of risk. The greater the perceived threat for you, the more you will pay for premiums. Here are the top considerations insurance used to calculate your premiumswhen you get a home insurance quote:

Location (postal code and address)

Where you live is a significant consideration. There are many things related to your location that have an impact on premiums:

Your neighbourhood and postal code
The crime in your area(break-ins, vandalism, stolen property)
Proximity to water and flood plains
Proximity to a fire station and hydrant
Distance from emergency services
Distance from an airport
Weather conditions

Replacement cost (home value)

This is the amount it would be to rebuild your home to its current state. It is not the real estate value of your land. This amount is different for each dwelling. It includes things like building material, size, and key features. The larger and more valuable your home, the higher the value, and the more it will be to insure.

Property type and size

Your type of home will determine the type of coverage you need. The type of danger for a single-family home can be slightly different than that for a semi-detached, rowhouse, townhome, or condo.

Construction type

How your dwelling is built, and the materials used (brick, veneer, siding, wood, concrete) can have a big impact on its safety and risk of damage. Some insurers may require a home inspection as part of the application process.

Electrical wiring

Knob and tube and old aluminum wiring can be a serious fire threat. Make sure you have the proper amount of amperage based on your home size and power needs. When applying for coverage, your insurer may require you to upgrade your electrical system.

Plumbing system

Newer plumbing is more reliable. Insurers prefer copper piping, PVC, ABS or PEX piping over older galvanized steel, lead, clay pipes, or Kitec plumbing. If you have more modern plumbing systems, you will pay less.

Roof age and type

Your roof age and the materials used play a big role in protecting your home from weather damage. Modern roofing systems have better ventilation and use more durable materials. This prevents water and mould issues from developing. Get more information about roof insurance.

Heating source

A forced air furnace and HVAC system are most common and preferred because they pose less of a threat than alternatives. Electric baseboards, radiators, fireplaces, and wood-burning stoves pose a bigger hazard because they are a greater fire risk.

Special use for commerce

Running a business out of your home can increase your risk greatly. Speak with your advisor if you need home-based business insurance.

Claim history

Too many home insurance claims can work against you and cost you more money. Avoid filing for minor issues you can afford without affecting your budget. Generally, if the amount is less than or relative to your deductible amount it’s not worth it.

Pools and yard accessories

A pool automatically increases your liability. There is more chance of injury and drowning. Other items that can increase payments include trampolines, climbers, and other structures. Learn more about pools and insurance.

Security system

You will receive a discount by installing a centrally monitored security system. Door and window monitors and security cameras can help ward off potential intruders.

Renovations and home improvements

When you make changes to improve your home, it will likely increase your costs. Additions, upgrades, and structural changes will increase your home value (and its replacement value). Home renovations focused on safety and security can help lower your premiums.

Credit score

A strong credit score can work to your advantage. If you allow your insurer to run a soft credit check, you’ll be rewarded with lower premiums. If you have bad credit, they cannot increase your premiums. Insurers must get your approval before checking your credit score.

Pets

Having a pet can increase your liability. For example, if you have a dog breed that is known for aggressive behaviour, they are more likely to bite. The same applies to exotic pets, which are more likely to cause damage or injure someone.

Smoking

Having a household of non-smokers reduces the risk of a fire. If you do smoke, take additional fire safety precautions.

Ways to get cheap home insurance quotes

Here are some great tips you can use to get a cheaper home insurance quote:

Compare your options: Shop around and compare home insurance quotes from multiple insurers. See what is out there. Assess your needs. Eliminate the guessing game and find out for sure what your best options are for home insurance.
Bundle policies: You will automatically qualify for a discount by simply combining your home and auto insurance with the same provider. You will save on both. Combining them will simplify things.
Increase your deductible: Review your deductible amount. If it makes sense for you financially, increase it. Why? Insurers will lower your payments. When you increase it, you are agreeing to pay more yourself before the insurer covers the rest.
Pay annually: When you pay for insurance annually, rather than monthly, you will save on interest and administrative fees. You will also qualify for a small discount.
Renovations and home improvement: Have you taken steps to improve your home? Have the renovations improved safety? Then you could qualify for lower fees.
Ask about discounts: You never know unless you ask. A job change, life event, or new membership could qualify you for even more savings. Review annually to see what new discounts may be applicable.
Improve home security: Investing in securing your home by installing a monitored alarm system, sensors, cameras, and other measures can help you save. It will also help you sleep soundly at night knowing your home is safe and secure.
Stay loyal: The longer you stay with the same home insurance company, the greater they will reward you with savings.
Allow credit consent: A strong credit score can work to your advantage. By allowing your insurer to use your credit score, you can lower your payments. Make sure you make your payments on time and maintain your good credit rating.

Speak with a ThinkInsure advisor for more tips and advice on how to lower your home insurance premiums.

Home insurance trends in Canada

Home insurance rates are rising in 2024. Statistics Canada Consumer Price Index (CPI) estimates that home insurance has increased by 9.2% from June 2023 to June 2024. If your policy renewal is approaching, now is an ideal time to shop around for a better price.

The insurance industry faces major challenges due to factors like inflation, geopolitical conflicts, rising reinsurance costs, supply chain disruptions, and natural disasters. These factors directly impact insurance operations. To stay competitive, insurers are updating rates, and consumers should anticipate further rate increases throughout the year to adapt to the current economic conditions.

Why you may see home insurance rates increase in 2024

More severe weather: Claims are increasing as a result of severe weather. There are more instances of severe storms, flooding, and wildfires.
More catastrophic loss events: The number of catastrophic loss events is on the rise. The recent flooding in Toronto and across Ontario and Alberta wildfires in August 2024 are prime examples. Based on data from the IBC 2023 FACTS of the Property and Casualty Insurance Industry in Canada report, they have steadily increased since 1983. The Fort McMurray wildfires had the highest-ever loss amount for a single year - $5.6 billion in 2016. In 2022, there was $3.4 billion in damages.
Inflation: Due to increased building and material costs, insurers will pay more in damages after a loss. The good news is inflation appears to be slower. The Consumer Price Index (CPI) rose 2.7% on a year-over-year basis in June 2024, down from a 2.9% gain in May.
Supply chain slowdowns: Supply chain disruptions continue to persist. This creates complications when completing repairs and rebuilding homes after a loss. They are taking longer to complete, and delays are increasing claims costs.

Home insurance costs are on the rise in Canada

A big reason premiums are on the rise is the number and high dollar amount of claims in recent years. According to IBC, property claims as a percentage of total claims increased over the last decade, from 28.3% in 2010 to 39.3% in 2022. 55% of all revenue generated by insurers went to pay out claims to policyholders. Insured catastrophic losses in Canada reached 3.1 billion in 2023.

The type of dwelling and the common threats in your region have a big impact on how much you will pay for your insurance. Here is a breakdown of some Canadian home insurance claims data from 2019:

Number of claims: 210,000
Average cost: $14,340
Most common: Water (62%)
Most expensive: Fire ($70,722 average)

Your home is exposed to many potential threats. Water, fire, and break-ins are the most common (and expensive).

Flooding

Around 11% of all homes (over 1 million) are in danger

Wildfires

Average of 8,000 fires per year (1980-present)

Earthquakes

About 4,000 per year

Burglaries

161,291 in Canada (2019)

The following chart shows how much premiums have increased since 2010:

Year	Property premiums	Property claims
2022	$14.8B	$8.5B
2021	$14.4B	$7.1B
2020	$13.7B	$7.0B
2019	$12.4B	$7.2B
2018	$12B	$7.25B
2017	$11.2B	$6.5B
2016	$10.7B	$6.2B
2015	$10.1B	$5.5B
2014	$10B	$6B
2013	$9,024	$6,161
2012	$8.5B	$5B
2011	$8.2B	$5.3B
2010	$7.6B	$4.6B

Source: 2023 FACTS of the Property and Casualty Insurance Industry in Canada

Home insurance help when you need it

24/7 claims service for homeowners

Filing a home insurance claim can be a stressful time. You’re anxious, emotional, and frazzled by what just happened. This is a completely normal reaction. Your home has just been compromised. You may not be sure what to do next. Don't worry, we have your back!

We have 24/7 claims services, so you can contact us when needed. You can also get advice from our advisors before filing a claim with your insurance company. We'll advocate on your behalf and help you through the process. We’re here to answer your questions and give you advice on steps to take and we can work with your insurer to make sure you're cared for properly.

Saving starts wit a home insurance quote

Shopping around is the best way to find the most affordable home insurance quote. With ThinkInsure, it's easy to compare quotes and coverage from Canada's top providers. Get started with an online quote or speak with one of our home insurance experts. We make sure your home is protected properly for a great rate.

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Get a Home Insurance Quote & Start Saving

Find more affordable home insurance by comparing quotes online in a only couple of minutes.

Compare home insurance quotes from Canada's top providers

Helping Canadian homeowners find the best home insurance

Important things to know about home insurance in Canada

How to get a home insurance quote

1) Start your quote

2) Enter your home details

3) Compare rates

Choose your policy

What is home insurance coverage?

Why do I need home insurance?

What does a home insurance policy cover?

Building & detached structures

Personal contents and belongings

Liability

Additional living expenses

What threats (perils) are covered in a typical home insurance policy?

What is not covered by home insurance?

Types of home insurance coverage in Canada

Basic coverage / named perils

Broad coverage

Comprehensive coverage

No frills coverage

Optional home insurance protection with add-ons and endorsements

Overland water

Sewer backup

Guaranteed replacement cost

Scheduled personal articles

Claims forgiveness

Umbrella

Earthquake

Mass evacuation

Identity theft and fraud

Freezer foods

Lock repair

Rebuilding property to code

Eco-friendly rebuild

Enhanced limits

Riders

How much does home insurance cost in Canada?

5 star home insurance

What factors impact your home insurance quote?

Location (postal code and address)

Replacement cost (home value)

Property type and size

Construction type

Electrical wiring

Plumbing system

Roof age and type

Heating source

Special use for commerce

Claim history

Pools and yard accessories

Security system

Renovations and home improvements

Credit score

Pets

Smoking

Ways to get cheap home insurance quotes

Save more by comparing home insurance quotes

Home insurance trends in Canada

Why you may see home insurance rates increase in 2024

Home insurance costs are on the rise in Canada

Home insurance FAQs

Is home insurance mandatory in Canada?

How high do I need to set my home insurance limits?

Who has the best home insurance?

What information is needed to get a home insurance quote?

Is a credit check required to get home insurance?

What is a good deductible for home insurance?

What is the home replacement cost for home insurance?

What is the difference between actual cash value (ACV) vs replacement cost in a home insurance policy?

What is a home insurance endorsement?

Is home insurance required for Airbnb?

What is a home insurance peril?

How is overland water insurance different from flood insurance?

Is mortgage insurance the same as home insurance?

Can I cancel or switch home insurance coverage?

Home insurance help when you need it