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Home Insurance

isure helps you improve your coverage and discover new discounts.

Best Home Insurance Rates in Ontario

Your personal isure insurance broker understands your home insurance needs, and can help improve your coverage and discover new discounts.

We understand that your home is your castle, and has deep personal importance to you and your family. You have probably sunk more investment and sweat into it more than anything else in your life. When your home experiences issues, that stress translates to you as well. That’s why we work hard to make sure your home, your family, your lifestyle, and your mind and soul are at peace with the proper home insurance coverage.

Our Ontario home insurance brokers provide you fast, friendly and better insurance on your home, ensuring that you aren’t surprised by the fine print in policies or a short-term discount, only to see your rates climb in future. If your insurer tries that, we will find another insurer for you!

Let us do the shopping to find you the best Ontario home insurance rates and coverage in the marketplace! From basic coverage to high-risk options, we’ll contact over 25 of the largest certified insurers and have them compete for your policy.

What Does Home Insurance Cover?

When you buy a home insurance policy, you can ensure your home is protected from certain events or risks, also known as perils. Depending on where you live and what you would like covered, you can customize the perils in your home insurance policy to suit your needs.. As an example, if you live in Parry Sound, you may consider getting flood coverage but you probably won’t include falling object coverage.

According to the Insurance Bureau of Canada, the most common perils include:

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Lightning

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Explosion

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Fire

$

Falling objects

$

Theft

$

Aircraft or vehicle impact

$

Smoke

$

Electrical current

Don’t worry, if you are not sure which perils are relevant to your area, your isure broker can help! We have helped residents all over Ontario secure high-quality home insurance policies that cover everything they need.

What are the categories of home insurance?

When you shop for home insurance, you may come across three different types of home insurance policies, although they can be updated with custom perils and options.

Standard or Basic

This type of home insurance policy will be different, depending on where you live and the insurer you buy it from. But it will generally cover damage that occurs from the weather (hail, wind, lightning) or fire. The perils that are covered in a standard or basic policy will be listed clearly and will only cover those specific perils.

Broad

As the name suggests, this type of home insurance provides broad coverage for your home. This coverage will include everything in the standard insurance policy, as well as other perils such as vandalism and theft. It can also cover unpredictable events like a burst or frozen pipes. Be sure to check with your isure broker to see what perils are (and aren’t) covered in your policy.

Comprehensive

This is the most robust type of home insurance coverage because it covers most perils. However, there may be some that it won’t cover. A comprehensive home insurance policy is recommended for those who want almost any damage to their home to be covered.

How Is Home Insurance Calculated?

Much like with your auto insurance, there is a lot that goes into the amount you pay for your home insurance. As an example, a person living in Nepean will most likely pay less than somebody living in Mississauga.

Here is a quick breakdown of what generally goes into determining the cost of your home insurance:

Your home’s characteristics

The size, age and condition of your home will play a big role in determining your home insurance rate. Big houses will generally be more expensive than smaller homes, and newly-renovated homes will have a better rate than a home that is outdated.

Where your home is located

As mentioned above, the city where you live will play a big role in determining your home insurance rate, but the area surrounding your home will also affect the price. If you live near a fire hydrant or if you live in a safe neighbourhood, your insurance rate may be lower.

How your home was constructed

If your home was built using high-quality and expensive materials, then the insurance will be more expensive as those materials will need to be replaced in the case of irreparable damage.

FAQS ABOUT HOME INSURANCE IN ONTARIO

Do I need to purchase home insurance?

In Ontario, it is not required to get home insurance, but it is essential if you want to secure a mortgage (and to protect your investment!)

Are there other ways to save money on my home insurance policy?

Of course! If you bundle your home and auto insurance, you can save up to 15% on both policies! Give isure a call today to start the process of bundling your insurance!

isure Home Insurance Means

Control Over Your Policy

You’re on the insurance throne. Register your policy and manage, change, and update it quickly.

Personalized Attention

Your personal, dedicated and online isure broker is there when you need us. We’re a phone call, live chat or email away from helping you. We’ll even call pre-emptively to check in when disaster strikes your neighborhoods.

Insight and Attention

isure is your online insurance expert, providing trustworthy, transparent and knowledgeable expertise, both online and offline. We’ll give you objective advice on how much coverage you really need, and what your insurance policy covers.

iSavings

Between all of our isure-approved insurers, we boast one of the longest lists of home insurance discounts compared to any other broker online. Our competitive bidding saves you money with no sacrifice on coverage. We’ll also tell you how to reduce your premiums by taking safeguards.

Responsive Claims

A tree falls through your roof in the middle of the night? House broken into on a long weekend? No problem! Our claims response line is open 24 hours a day, seven days a week. We’ll get your claim moving immediately while guiding you through the process.

Get the leading insurance policies with the best personalized options you deserve.

isure Optional Add-Ons

Customize your Home Insurance to suit your unique needs and preferences with additional add-ons.

Claims Free

Bad things happen, even to good homeowners. That’s why isure will give you advice on how to best protect your claims free discounts.

Your Possessions Saved

Your personal property is covered anywhere in the world, and with Contents Replacement Cost, subject to loss settlement, pays for the cost of repair or replacement without deduction for depreciation.

Water Damage Protection

Changing weather trends, bigger storms and more rain are all having an impact on homeowners. Protect your home with sewer backup coverage and new overland water protection.

Household Liability

Pays when you’re legally liable for someone else’s bodily injury or property damage resulting from an accident or negligent act(s) by you or household members, at home or away from home. This also includes the misbehaving acts of your pets.

Medical Coverage

Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.

Ongoing Living Expenses

Covers additional living expenses up to 24 months depending on your policy type, this covers additional living expenses up to 24 months if a covered loss makes your home unfit to live in.

Identify Theft Protection

State-of-the-art assistance in the resolution of identity theft events, advocacy services relating to the prevention of identity theft and replacement of important documents.

Additional Valuables Coverage

Scheduled and unscheduled coverage of important valuables are available for items like
art, jewelry, collectibles and more.

Compare Home Insurance Quotes Online

To find the best home insurance rates, compare home insurance quotes by clicking on our Get A Quote button at anytime.

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