What is covered by homeowner's insurance?

House insurance covers your dwelling building, additional buildings, personal property, loss of use, and personal liability. We offer tailored home insurance to fit your needs. You can refer to the section above to see what’s typically covered, and don’t hesitate to talk to a broker about your specific needs.

How can I save on my home insurance premium?

You can save through a variety of ways: Bundling your home and auto insurance policies could help you save on your auto and home insurance premium; Implementing preventative measures such as an alarm system, mainline backwater valves, water sensors, alarm sump pumps and tankless water heaters; Asking your broker whether you are entitled to any discounts

How can I make a homeowner’s insurance claim?

You can submit an insurance claim online 24/7 using the Intact Insurance app by filling out the necessary information in a quick and easy form. You’ll be guided step by step through your home claim submission process. You can also submit a claim by calling 1-866-464-2424.

How can I get a home insurance quote?

You can get an insurance quote through your local insurance broker. Find a broker to get a house insurance quote today.

Can I get more than $2 million in personal liability coverage?

Yes, it is possible to get more personal liability coverage with personal umbrella coverage. Personal umbrella coverage will protect your assets against certain lawsuits and cover your legal expenses and loss of income while preparing your legal defence. This protection is recommended if you are a volunteer active in your community, a director of a non-profit organization, an owner of a recreation property (like a cottage), rental property, boat or snowmobile, etc. Talk to a broker about topping up your existing coverage with a personal umbrella policy for additional protections.

Intact Insurance | Home insurance and quick quote at the best price

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

Tailored house insurance
We provide house insurance that is perfectly suited to your home and that fits your lifestyle. We also provide a selection of add-ons, programs and endorsements if you need special coverage.
Outstanding claims experience
Take advantage of the excellent 24/7 support with the largest claims team in Canada, whenever you need it most.
Some of the most generous coverage on the market
Get peace of mind with a single limit of insurance covering all your property and up to $2,000,000 in personal liability coverage.¹
Bundle your house and car insurance
Get the best value for your money with insurance bundles and take advantage of exclusive benefits.

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:

Furniture
Clothing
Appliances such as oven, fridge and stove
Bicycles
TVs and other electronics

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:

Detached garages
Gazebos
Sheds
Boathouses

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:

Medical bills to treat someone else’s injuries
Legal expenses related to your defence
Costs to repair or replace damage to someone else’s property

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.

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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.

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 favour 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.

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 identity^TM

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.

Learn more

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.

Learn more

MORE WAYS TO SAVE

Alarm systems
Have an alarm system in your home? Whether its locally monitored by yourself or by a central for fire and theft, you could save on your insurance premium!
Water safety devices
If you have installed water flow devices with automatic shut off valves or if there is a water sensor system with three or more sensors and an automatic shut off valve in in your home, you could get a discount.⁴
There’s more ways to save
Haven’t had a claim in over a year? You’re mortgage-free? You’re a non-smoker? Haven’t moved house over the last years? With Intact Insurance, it could help you 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.

Learn more

Car insurance

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

Learn more

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.

Learn more

Advice to help you to protect what you care about

FAQ

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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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.

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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.

Call for a quote: 1-844-790-0212