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House insurance

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

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!

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

    • Furniture 
    • Clothing 
    • Appliances such as oven, fridge and stove 
    • Bicycles
    • TVs and other electronics
  • 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
  • Covers damages to your house itself and its attached structures as well as other permanently installed structures on your property. 

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 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 and overland 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.

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!

Combine your home insurance and auto insurance and take advantage of the exclusive benefits. Get the best value for your money with insurance bundles. 3

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!
  • 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!

FAQ

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.

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

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.

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

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.

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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Download the Intact Insurance app to access your digital proof of insurance, submit and track a claim, view your insurance documents and more.

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Talk to a broker

With all the home insurance coverage available and your specific needs, it can be difficult to pick the right protection. That’s why we have over 2,000 broker relationships across Canada. Brokers are highly skilled in assessing your home insurance needs and offer the right coverage for your situation and budget. Chat with a broker today to talk about your needs and get a home insurance quote.

Get a homeowner’s insurance quote

Your house is your home. Find the right coverage your needs by contacting a broker and asking for a quote. Getting a house insurance quote is the first step to protecting your most important asset.