Home insurance for Ontario homeowners
Protect your largest investment and get your quote for your Ontario home insurance coverage online, by phone or through your broker quickly.
- Why get house insurance in Ontario
One of the most significant investments you'll make is your home. And, with property values in Ontario skyrocketing, you'll want to safeguard your investment. If something unexpected happens to your home such as a fire, a windstorm, or flooding after a downpour, house insurance will help you restore or rebuild so you can go back to building memories in the place you love.
- Saving on home insurance in Ontario
Do yourself a favor and get the best price for your needs for your home insurance. Some ways to help lower your insurance premium are:
- Researching what type of insurance coverage works best for your needs
- Suiting your home with an alarm system
- Bundling your home insurance with auto insurance
- Speaking with your broker to get insight into potential discounts you may qualify for.
At Intact Insurance, we can help you get the most competitive price and the best coverage for your needs.
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Advice to help you to protect what you care about
When calculating your premium, various factors are taken into consideration. Some examples include:
- The location of your home
- The age and condition of your home
- The number of years you have lived in that home
- If your home is built for or used by more than one family
- How your home is heated
- Proximity to fire-fighting support
- The type of coverage you chose
- The number of claims you have made in the past
Get a quote now to get your homeowners insurance premium at a competitive price or reach out to your insurance broker if you have any questions about the cost of your house insurance premium.
In Ontario, home insurance isn’t mandatory. However, most banks and mortgage loaners will expect you have a house insurance policy as part of the financing agreement.
On a monthly basis, home insurance in Ontario is determined based on your home’s location and its value as well as numerous other factors. It can vary depending on the location of your home, its age and condition, and other factors. See the question above for more details on how your insurance premium is calculated.
Home insurance coverage options have generally increased by 5 percent as of 2022 in Ontario. One of the primary reasons for this is extreme weather conditions due to climate change, causing more homes to take weather-related damages.
Yes. The number of mortgages registered against the property is considered when defining your insurance premium, and there are savings for properties that are mortgage free. Read the questions above for further details, talk to your broker or get a home insurance quote today to get your house insurance premium.
It depends on your home insurance policy and other factors: the reasons why the fence was broken and if it is covered by an insured peril in your policy. If it is covered, outside structures can be claimed on your house insurance policy. You can submit a claim online using our online services, or by calling 1-866-464-2424. If you are unsure about your insurance coverage, call your broker.
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Your house is your home. Find the right coverage for your needs by contacting a broker, by calling us or by getting a house insurance quote online. Getting a house insurance quote is the first step to protecting your most important asset.