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!
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.
- 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 favor 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 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.
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.
Discover more coverage
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.
Didn’t find what you were looking for?
Access your insurance anytime, anywhere
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.