House insurance companies

Get the best rates on home insurance

Home is where the heart is – protect it with a great home insurance policy at We’ll bring you the cheapest rates on home insurance from all the top providers in your area.

Compare up to 10 home insurance quotes in just 3 minutes.

Why do I need home insurance?

If you’re like most Canadians, your house makes up a big portion of your net worth. That’s why home insurance is a must. A homeowners policy protects your house, its contents, and your other assets in the event of a fire, theft, storm, liability claim, or other unexpected peril.

If an unforeseen event causes damage to your home or property, with a good home insurance policy your insurer, not you, will pick up the tab. And since many lenders often make home insurance a mortgage requirement, you may as well get the best plan at the lowest rate, right?

Why compare with

Find the best rates from the top home insurance providers in your area. Simply enter a few quick details about your home and click ‘Compare’ to see the best home insurance quotes available. Most of our users save hundreds of dollars per year on their home insurance policy — just like that.

Spending extra money on home insurance doesn’t make sense. Find the cheapest home insurance rates from a wide range of insurance companies.

Finding the lowest rates on home insurance doesn’t take long. Actually, it only takes 3 minutes. All you need to do is provide a few details about yourself and your house.

Put that credit card away. Our comparison service is absolutely, 100% free, so finding the best home insurance quotes won’t cost you a dime.

No rocket science here — just provide us with a few quick details about yourself and the house you’re insuring, and then leave the hard part to us.

At, top home insurance providers compete for your business on a level playing field.

One or two quotes won’t do. Get up to 10 home insurance quotes from all the top insurers in your area.

We ask only for the details we need to find you the best home insurance quotes. Your personal information will never be given to a third-party.

There are perks to shopping for home insurance with us. On top of getting the best rates, the process is quick — it only takes 3 minutes — and it’s free.

Why shop for house insurance online?

It pays to shop around for insurance. We compare quotes from Canada’s leading home insurance providers in just minutes, so you can get the best policy at the best price. Many homeowners don’t realize they can lower their premiums by comparing quotes online, but it really is that simple.

After all, house insurance quotes can vary significantly from insurer to insurer. That’s why comparing rates is the only way to make sure you get the best deal. No matter what kind of house you own or which province you live in, we’ll find you the cheapest home insurance rates.

How do I compare quotes?

Just fill out the form in our home insurance section, provide details about you and your place, and then we’ll find you the cheapest house insurance rates available. Depending on where you live, you’ll get up to 10 quotes.

Once you select the quote you want, an insurance broker will call you to lock in your rate and help you set up your policy. If you’re insuring an Ontario or Alberta home, you can call one of our brokers directly. Shopping for house insurance has never been quicker or easier.

Do home insurers require a credit check?

A credit check is optional, but it can definitely help you get the lowest rates on your home insurance. Insurers often use the results of your credit check to help set your rate. In other words, a good credit score could help reduce the price of your plan. In fact, you’ll probably get the cheapest rates on house insurance if you do get a credit check.

One great advantage of our service is that we only do one credit check per application, so your credit score will remain unharmed. Homeowners who search for an insurance plan on their own often have to submit to credit checks with each provider they get a quote from, which can lower their credit score.

What type of home insurance policy should I select?

That depends on how much coverage you want for your property. Here are the four basic types of home insurance coverage you can choose from:

Comprehensive coverage
This policy offers the broadest range of home insurance coverage. It protects your home and its contents from all risks, except a few exclusions:

Optional risks: Risks that aren’t covered in normal policies, but that you can buy additional coverage for. Sewer back up and earthquake coverage are examples of optional coverage.

Uninsurable peril: Risks you can’t insure because they can be avoided with proper planning. For example, you can’t get coverage for flood damage if you built your house on a flood plain.
Basic coverage/named perils
This type of home insurance is more scaled back than comprehensive coverage. Basic coverage only pays for the damages that are specifically outlined in your policy.

Broad coverage
This type of insurance falls halfway between comprehensive and basic coverage. A mid-priced compromise, it provides comprehensive coverage on main items, like your home’s physical structure, but only basic coverage for the contents inside.

No frills coverage
This type of coverage isn’t offered by all insurers and is usually limited to properties that don’t meet normal standards. For example, if your your home has physical issues, an insurance company may only offer you a very limited no frills policy.

What possessions does house insurance not cover?

Standard homeowners policies don’t cover high-value items like jewelry, rare art, etc. Ask to schedule these items separately on your policy if you want them included in your home insurance coverage.

Should I select an actual cash value plan or a replacement cost plan?

When it comes to homeowners insurance, most people opt for a replacement cost plan. This plan pays for the full replacement value of the items or repairs you claim. For example, if someone steals your old TV, your insurance provider will pay for a new one of similar make and quality.

An actual cash value (ACV) plan reimburses you for the value of the items you claim at the time they were damaged. ACV plans account for depreciation, so the amount of money you get from a successful claim generally won’t cover the cost of replacing damaged items.

For example, if someone steals your 5-year-old TV, your insurer would only pay what they deemed it to be worth at the time of the theft. But that valuation will likely be much less than what you paid for the item and much less than what it would cost to replace it.

Just remember: if your house sustains major damage or is subject to a serious theft, at least you’ll be able to replace all of your stuff with a replacement cost plan. That’s why most Canadians prefer replacement cost plans even though they’re usually a little more expensive.

How much home insurance coverage do I need?

The amount of coverage you take should reflect the value of your home plus the contents inside it, so keep stock of what everything is worth. Remember, it’s better to have a little too much coverage rather than not enough.

Home insurers use variables like square footage, structure type, and your postal code to give you a quote. It’s up to you to make sure your coverage matches the value of your home and your possessions.

How can I have a hassle-free claims experience?

Easy — be properly prepared before you make a claim. Take a yearly inventory of your home upgrades and of your contents.

When you need to make a claim, make sure all your documents are organized and ready before you contact your insurer. Here are the documents you’ll need:

A list of the items lost, damaged, or stolen
Receipts for said items and any photographs or other supporting documentation
Any relevant medical records or police reports if available
Current Insurance Carriers
Allstate Insurance Company of Canada Canadian subsidiary of US parent company.
Assumption Life based in Moncton, NB, Assumption Mutual Life Insurance Company, doing business under the name Assumption Life.
Aviva Canada Aviva Canada is the second largest Property & Casualty Insurer in Canada with a market share of 8.7% and Gross Written Premium (GWP) of $3.155B
Blue Cross
CAA Health & Dental Insurance
The Co-operators: Largest Canadian-owned insurance business in Canada.
Desjardins Group Desjardins Financial Security Life Assurance Company is the life and health insurance arm of Desjardins Group. Desjardins is the 6th largest financial institution in Canada and 2nd largest property and casualty insurance carrier, after it purchased State Farm Canada in 2014.
Economical Insurance Founded in 1871, economical Insurance is one of the largest property and casualty insurance companies in Canada, providing home, automobile and commercial insurance products to over one million policyholders across Canada. Its head office is located in Waterloo, Ontario, with 17 branches.
Empire Life The Empire Life Insurance Company (Empire Life) offers a full range of financial products and services — including personal life insurance, critical illness coverage, investment options, group life and health benefits and group RSP plans. Head Office is located in Kingston, Ontario, Canada.
Federated Insurance Company of Canada Niche insurer specializing in property and casualty insurance for several commercial markets, for example contractors, auto dealers, equipment dealers, restaurants, grocery stores, woodworking, home builders’, electricians, plumbers, heating and air conditioning, manufacturing, retail and wholesale, life and group benefits. Subsidiary of Northbridge Financial and member of Fairfax Financial family.
Gore Mutual Insurance Company
GMS Insurance
Great American Insurance Company Niche property casualty insurer specializing in Inland Marine, Property, Employment Practices Liability and other products.
Green Shield Canada Not-for-profit insurer specializing in individual and group health and dental plans.
The Guarantee Company of North America Founded in 1872, the first Canadian company to offer fidelity bonds and the largest and oldest Independent Canadian Owned Insurance Company. Offers construction and miscellaneous surety and specialized insurance products (Director’s and Officers Liability, Fidelity Insurance and Personal Lines for High Assets individuals.
The Great-West Life Assurance Company is a life and health insurance company and was founded in 1891 in Winnipeg, Manitoba. Great-West Life is currently owned by Great-West Lifeco, which is itself a joint-stock corporation traded on the Toronto Stock Exchange (TSX:GWO). Great-West Lifeco also owns the London Life Insurance Company, the Canada Life Assurance Company, and Great-West Life & Annuity Insurance Company and is the largest insurance provider in Canada. The majority owner of Great-West Lifeco is the Power Corporation of Canada who administer Great-West through the Power Financial Corporation.
Independent Order of Foresters
Industrial Alliance
Insurance Corporation of British Columbia
Intact Insurance Company of Canada is the largest Property and Casualty insurer in Canada. Purchased AXA’s Canadian Business in June 2011
ivari (formerly Transamerica Life Insurance company of Canada)
Knights of Columbus
Manulife Financial (Manufacturers Life Insurance Company) is a major Canadian insurance company and financial services provider. Although its global head office is located in Toronto, Ontario, Manulife has worldwide operations, most notably in the United States (through its subsidiary, John Hancock Insurance) and in 19 unique Asian countries and territories. Manulife Financial is the largest insurance company in Canada, the second largest in North America and the world’s fifth largest, based on market capitalization.
Medipac International
SSQ Financial Group
Standard Life is a major employer in Edinburgh, with 8,500 UK employees and over 12,000 worldwide. Standard Life plc acts as a holding company for the areas within Standard Life. Since demutualisation, the company structure is quite complex. Standard Life has an excess of seven million customers worldwide, with five million in the UK. Of these, 2.6 million are with profits members of the mutual. In 2015, Manulife Financial acquired the Canadian operations of Standard Life.
Sun Life Financial is a leading financial services organization in Canada known primarily as a life insurance company. Today, the company manages assets in excess of $350 billion and has more than 13,000 people on its payroll plus thousands of independent agents worldwide.
TD Insurance is the insurance arm of TD Bank Financial Group. Insurers under this umbrella are TD Home and Auto Insurance Company, Primmum Insurance Company, TD General Insurance Company, Security National Insurance Company and Meloche Monnex Inc.
The Personal Insurance Company (The Personal) is a property and casualty (P&C) group insurance company that specializes in home insurance and auto insurance (formerly CIBC Insurance).
Wawanesa Insurance