Ontario Home Insurance: Protect What Matters Most
Get customized home insurance in Ontario coverage designed for your property and lifestyle. Fill out, submit, and receive your personalized quote—fast and hassle‐free
Ontario Home Insurance
doesn’t have to be a hassle—especially when you have a dedicated expert on your side. At Humberview Insurance, we’re reimagining what it means to protect your biggest investment. With over 30 years of experience in the industry, we cut through the confusion to deliver tailored coverage and competitive rates you can count on. Our licensed Insurance Brokers are here to guide you every step of the way, so you can focus on what really matters: enjoying your home. Ready for complete peace of mind? Click below for a quick quote and discover how simple, straightforward, and affordable Ontario home insurance can be.
Standard Ontario Home Insurance Coverage
Dwelling/Building Insurance
This coverage protects the physical structure of your home including walls, roof and built in fixtures against damage from events like fires and storms.
Personal Property Insurance
Protects the items inside your home, such as furniture, electronics and personal belongings. It offers compensation for loss or damage due to covered events.
Legal Liability
Provides Protection if you are held legally responsible for injury or property damage to others. It covers legal costs and damages, safeguarding your finances in case of a covered claim.
Detached Private Structures
Covers structures on your property that are separate from your main home like garages and sheds. It provides protection against damage or loss due to covered events.
Additional Living Expenses
If your home becomes uninhabitable due to a covered loss, this coverage helps pay for temporary increase in living costs like hotel bills, meals and other expenses.
Extra Home Insurance Coverage You May Add‐On in Ontario
Bylaw Coverage
Covers additional costs to rebuild or repair your home to current building codes after a covered loss, especially important for older homes.
Earthquake
Offers coverage for damage caused by an earthquake, which is not typically covered under standard home insurance policies.
Identity Theft
Covers expenses related to restoring your identity and credit if you become a victim of identity theft.
Rental Income
Provides coverage for lost rental income if a rented part of your home becomes uninhabitable due to a covered peril.
Service Line
Covers the cost of repairing or replacing damaged underground service lines, like water or power, for which you are responsible.
Single Limit
Offers a combined total coverage amount for your dwelling, personal property, and additional living expenses, allowing flexibility in how you use your coverage after a loss.
Claim Protector
Provides forgiveness for your first claim, preventing your home insurance premium from increasing as a result of this claim.
Guaranteed Replacement Cost
Ensures your home is rebuilt to its original state after a loss.
Overland Water
Protects against damage from water flowing above ground and entering your home, such as from heavy rains or melting snow.
Scheduled Items
Offers coverage for specific, high-value items like jewelry, art, bicycles and other specialty items. It must be listed on the policy.
Sewer Backup
Provides protection against damage caused by the backing up or overflow of sewers, drains, or sump pumps.
Umbrella Liability
Extends liability coverage beyond the limits of your standard policy, offering additional protection in case of major claims or lawsuits.
Every home is unique, and coverage options vary by property and applicant. To ensure you have the right protection, consult a licensed home insurance broker to understand what’s covered and explore any additional options suited to your needs.
How Ontario Home Insurance Quotes Are Determined
When determining your home insurance premium, several key factors come into play: Applicant Details like age and employment, the Coverages You Choose that directly influence policy costs, and Discounts You Qualify For that can help lower premiums. Additionally, your Insurance History, including past claims, along with specific aspects of your property such as its Property, Location, Age (including updates like roof, plumbing, electrical, and heating), and Your Credit Score—often used by insurers to assess risk—collectively determine your overall rate.
Ways You Can Save on Ontario Home Insurance
Alarm Systems
Homes equipped with monitored security alarms for burglary, smoke, and fire prevention may qualify for premium discounts.
Bundle Savings
Combining your home and car insurance with one provider can yield significant cost reductions on your Ontario home insurance.
Claims-Free Discount
Maintaining a clean record with no recent claims often results in lower premiums for your policy.
Group Discounts
Membership in select organizations, alumni associations, or professional groups can secure additional savings on your coverage.
Mortgage-Free Bonus
Homeowners who have paid off their mortgage or have no outstanding credit may enjoy reduced insurance rates.
Multi-Property Savings
Insuring multiple properties—such as your primary residence, cottage, or rental—with the same company can help lower your overall premiums.
New Home Discount
Newly constructed homes often qualify for lower premiums thanks to modern safety features and updated building standards.
Non-Smoker Discount
A smoke-free household can benefit from reduced rates, making your Ontario home insurance more affordable.
Loyalty Rewards
Consistently renewing your policy or switching from another insurer can earn you loyalty rewards that further lower your premium.
Water Damage Prevention
Homes equipped with water mitigation systems like sump pumps, sensors, or backwater valves may receive discounts that reduce your overall insurance cost.
Smart Home Integration
Utilizing advanced smart home technology—such as sensors and automation—can help prevent incidents by proactively monitoring your home’s safety (Note: Not tied to a discount yet).
Tips for Home Maintenance in Ontario
Keep the Outside, Outside
Make sure your roof is in good repair at all times and your basement is dry. Things like extending the downspouts away from your home, cleaning the eaves every season will do a lot to prevent moisture & water entering your home.
Maintain the HVAC
With Ontario’s cold winters and hot summers, you want to make sure that you regularly change furnace filters, and check your system for leaks and is running before you need to use them.
Tree Maintenance
Regularly trim trees and shrubs especially those close to your house. Overgrown vegetation or dangerous trees can damage property and cause injury.
Home Insurance in Ontario
Ontario’s diverse housing landscape—from modern high-rises in Toronto to historic Victorian homes, suburban developments, and remote northern cottages—means Ontario home insurance must be tailored to each region’s unique risks. Urban areas may require higher coverage for urban dwellings, while rural properties often need specialized consideration for seasonal occupancy. Industrial cities like Hamilton and Windsor have older homes that may impact coverage, whereas newly built houses in expanding suburbs may qualify for discounts. Whether you own a heritage home, a lakeside cottage, or a urban house downtown, choosing the right Ontario home insurance ensures your property is protected against location-specific risks and evolving coverage needs.
Ontario Home Insurance FAQ
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What is the average house insurance cost in Ontario?
The average cost of home insurance in Ontario can vary widely depending on various factors including the location of the property, its size and age, the value of the home and contents, the type of coverage selected and the homeowner’s insurance history.
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Is Home insurance mandatory in Ontario?
Home insurance is not legally mandatory in Ontario for homeowners. However, if you have a mortgage, your lender will typically require you to have home insurance to protect the investment. Even without a mortgage, home insurance is highly recommended as it provides financial protection against a range of potential risks and damages not only to the physical property but also your legal liability.
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What does Ontario house insurance cover?
Standard home insurance policies in Ontario typically cover
Dwelling CoverageProtects against damage to the structure of the home due to perils like fire, wind, or hail.
Personal PropertyCovers loss or damage to personal belongings inside the home.
Additional Living ExpensesProvides for living expenses if your home is uninhabitable due to a covered loss.
Liability ProtectionOffers coverage if someone is injured on your property or if you cause damage to someone else’s property.
It’s important to note that homeowners insurance policies vary, and certain risks, like floods or earthquakes, may require additional coverage. Always review the specifics of your policy to understand what is and isn’t covered.
Ontario Home Insurance by Region and City
Greater Toronto Area (GTA) Home Insurance
Homeowners in the GTA face unique challenges, from high property values to urban risks. Whether you're in Toronto, Mississauga, or Vaughan, our brokers help you secure the best coverage for your home.
Southwestern Ontario Home Insurance
From London to Windsor, homeowners in Southwestern Ontario need insurance that protects against severe weather, property damage, and liability risks.
Expand to See More Cities
- Amherstburg
- Arthur
- Aylmer
- Ayr
- Belleville
- Blenheim
- Chatham
- Clinton
- Dresden
- Dunnville
- Essex
- Exeter
- Forest
- Goderich
- Grand Bend
- Guelph
- Hagersville
- Hanover
- Harriston
- Ingersoll
- Kincardine
- Leamington
- Listowel
- Lucknow
- Mitchell
- Mount Brydges
- Petrolia
- Port Colborne
- Port Dover
- Sarnia
- Seaforth
- Simcoe
- Stratford
- Strathroy
- Tillsonburg
- Walkerton
- Wallaceburg
- Waterloo
- Windsor
Eastern Ontario Home Insurance
Home insurance in Eastern Ontario protects properties from risks like winter storms and severe weather events. Get customized coverage for your home.
Northern Ontario Home Insurance
Owning a home in Northern Ontario comes with unique considerations, from remote locations to extreme winters. We provide tailored coverage to protect your property.
Expand to See More Cities
- Alliston
- Angus
- Bracebridge
- Chapleau
- Cochrane
- Dryden
- Elliot Lake
- Espanola
- Fenelon Falls
- Fort Erie
- Fort Frances
- Gravenhurst
- Greenstone
- Hawkestone
- Huntsville
- Iroquois Falls
- Kawartha Lakes
- Kenora
- Kirkland Lake
- Lindsay
- Manitouwadge
- Marathon
- Meaford
- Midland
- Oro-Medonte
- Owen Sound
- Parry Sound
- Powassan
- Sturgeon Falls
- Temiskaming Shores
- Terrace Bay
- Wasaga Beach
- Wawa
Find the Right Ontario Home Insurance for Your Unique Property
Every home is different, and so are the insurance solutions that protect them. Whether you own a rental property, estate home, vacant house, or seasonal cottage, Humberview Insurance offers tailored coverage to fit your needs. Explore your options below:
Ontario Landlord Insurance
- Coverage for landlords renting to families, students, or individuals
- Available as personal or commercial landlord insurance
- Standalone policy options may be available
- Protect against property damage, liability, and loss of rental income
Home Insurance in the Estate
- Essential coverage for homes part of an estate after a homeowner’s passing
- Options for properties that are occupied, rented, or vacant
- Protects against unexpected damages and liability risks
- Tailored solutions for executors managing estate properties
Vacant Home Insurance Ontario
- Specialized insurance for unoccupied properties
- Coverage for homes awaiting sale, minor renovations, or between tenants
- Policies may have exclusions such as water damage limitations
- Essential for preventing financial loss from unexpected risks
Ontario Cottage Insurance
- Coverage for seasonal cottages and secondary homes across Ontario
- Protection for weather-related damages, theft, and liability risks
- Designed for vacation homes in Muskoka, Kawarthas, Lake Erie, and beyond
- Tailored policies based on usage patterns and seasonal risks
Ontario Homeowners Insurance: Trusted Advice, News and Guides
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