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Home Insurance in Ontario

Get peace of mind with tailored house insurance coverage to protect the place you call home.

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Your house is more than a home. Let our home insurance coverage safeguard your home with the right coverage for your needs.

Coverage

Home is where your heart is. Get homeowner's insurance coverage to protect what you value the most. With Intact Insurance, you will benefit from protections that fit your lifestyle. Make yourself at home!

Covers damages to your house itself and its attached structures as well as other permanently installed structures on your property.

Homeowner’s insurance covers damages to personal property such as:

Protecting your home means covering any additional buildings on the outside as well. Our home insurance covers buildings and structures detached from your primary living area. These detached structures can include:

Covers additional living expenses you incur if you cannot stay in your home during repairs while it is being repaired due to a covered loss as well as hotels and food that you'll need during that time. 

Protects you and your family members if sued and are legally liable for someone unintentional damage to the property of others or caused them bodily injury. Under this protection you’ll be able to cover potential: 

Home insurance for Ontario homeowners

Get house coverage in Ontario

Home is where you create our most treasured memories. Be it your first home in Toronto, Ottawa, Sudbury or a family home in Mississauga, or another suburb in the GTA, get a home insurance coverage designed just for you. Get tailored home insurance coverage for your home in Ontario, at a competitive price.

At Intact Insurance, we can help you get the most competitive price and the best coverage for your needs.

Programs and add-ons

If you have specific needs or want the most competitive offer, take advantage of our programs and endorsements. To learn more, ask your broker or get a get a house insurance quote.2

my identityTM

Get access to a 24-hour line to get advice from experts and personalized legal support if you need advice about identity theft, landlord-tenant disputes, family law, employment law and cyber security breaches. It also provides coverage for expenses incurred if you are victim of a cyber-attack and cyber extortion.

Enhanced water damage package

Water is the main threat to your home. Enhanced water damage package protects you if water enters your home: sewer back-up, water and sewer lines, overland water and ground water.

Lifestyle advantage

The choice is yours. With no obligation to rebuild, you have the freedom to change your lifestyle. You could rebuild or downsize and keep any leftover money.

Claims advantage

Benefit from a claims-free rating protection for your first loss and a deductible waiver up to $1,000 on your first eligible loss.

Travel insurance

You may be covered for certain emergencies when you’re away from your home. From medical bills to help with language barriers, have the coverage and support you need.

my Extras®

Enjoy additional coverage to protect your passions and valuable assets such as your garden, jewellery, bicycles, watercraft, securities and rental sports equipment. We protect what matters most to you!

Complementary liability umbrella insurance

Personal liability umbrella coverage will protect your assets against certain lawsuits and cover your legal expenses and loss of income while preparing your legal defence.

THE PERFECT MATCH BETWEEN YOUR HOME AND AUTO INSURANCE

Bundle and save in Ontario!

Bundle and save! Combine your home and auto insurance policies to save up to 650$3 on your insurance. Get a bundle insurance quote today.

MORE WAYS TO SAVE

Discover more coverage

Condo insurance

Protect the unit that you call home as a condo owner and get the right protection from unforeseen damage.

Car insurance

With us, you stay in the driver’s seat. Get the right car insurance for your vehicle with Intact Insurance.

Home-based business insurance

Is your house also your workplace? Extend your insurance policy to cover the equipment, and goods you store and keep for sale.

Advice to help you to protect what you care about

FAQ

How much does house insurance cost in Ontario?

When calculating your premium, various factors are taken into consideration. Some examples include: 

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.

Is it mandatory to have house insurance in Ontario?

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.

How much is house insurance in Ontario monthly?

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.

Are house insurance premiums going up in Ontario?

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.

Does house insurance cost more if you have a mortgage?

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.

Can I claim a broken fence on my homeowner's insurance?

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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Talk to a broker in Ontario

It can be a challenge to find the right type of coverage you need on your own. That’s why we have over 2,000 broker relationships across Canada. Insurance brokers are highly skilled in assessing your insurance needs and offer the right coverage for your situation and budget. Call a broker today to talk about your needs and get a quote.

Get a homeowner’s insurance quote

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.

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1Certain conditions, limitations, and exclusions apply to all offers. Offers may change without notice. The information that appears on this website is provided to you for informational purposes only. Your insurance contract always prevails; please consult it for a complete description of coverage and exclusions.

2Certain conditions apply. Verify your eligibility for endorsements (add-ons), programs and discounts with your insurance broker or agent.

3The savings amount is based on filed and approved discounts and rates. These amounts may vary based on each person’s individual insurance profile.

4To be eligible for the discount, the system must be approved by Intact Insurance meet a selection of criteria. Ask your broker or agent about water flow devices.

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