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Home Insurance

10+ Quotes for your Home, + a real person to help you every step of the way. Home insurance, but fast, so you can get back to that Netflix binge.

Save up to 25% on Your Home Insurance!

You bought a house, you have a mortgage and a yard to call your own, so what's next? Home insurance of course.

Enter in all your details about your new home online, we take these details and shop around to get you multiple quotes from multiple carriers, to ensure you get you a fair price. 

Your Surex Advisor will help you every step of the way, so don't worry you're in good hands.

Comparing rates from Canada’s leading Home insurance providers
Intact Insurance
Wawanesa Insurance
CNS Insurance
Jevco Insurance
Types of coverage we provide
Home Insurance
This provides coverage for loss and damage to your property and/or any assets.
Liability Coverage
This would provide protection against a lawsuit resulting from damaged property or personal injuries
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
Sewer Backup, Overland/Ground Water
These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.
Claims Forgiveness
This allows for the protection of your “claims free discount” in the event of your first claim.
Scheduled Items
Referring to 'special limits' on items like jewellery or art if the value is greater than the special limit you should list the item separately.
Comprehensive Insurance Coverage
When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.
Broad Coverage
When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)
Online Home Insurance Coverage in Canada

Broad home insurance:

This insurance covers perils such as water, lightning, hail, windstorm, fire, smoke, explosion, falling objects, vandalism, theft and vehicular or aircraft impact.

Comprehensive home insurance:

This is the highest level of home insurance available in Canada. It includes all perils covered under broad insurance plus unintentional damage and mysterious disappearance of property/content. Spilling a liquid such as wood stain on a carpeted surface or losing a valuable item would be covered here.

Surex offers a comprehensive list of discounts to get you cheap home insurance.

The list includes:

  • Bundle discount
  • Credit discount
  • Mortgage-free discount
  • Alarm discount
  • Loyalty discount
  • Renewal discount
  • Age discount
  • Sewer back-up discount
  • Claims-free discount
  • New business discount
  • Flex discount
  • Smoke-free discount
  • Occupation discount
  • Household discount
  • Gated community discount
  • Multi-line discount

What are the benefits of bundling home and auto insurance with Surex, as opposed to another company?

Well just as we compare Canada's elite insurance providers to find you the cheapest home insurance rate, we do likewise with auto insurance. Your Licensed Insurance Advisor is then able to combine the best pair of quotes - even if it's two different companies providing the best quote in each category.



You’ll want to watch for a few things to get the best price on your home insurance.

  • Shopping around

  • Raising your deductible

  • Bundling home and auto insurance policies

  • Make sure your home is disaster resistant by keeping up with home maintenance.

  • Optimize home security

  • Seek discounts

  • Maintain a good credit record

  • Stay with the same insurer if possible.

  • Review the limits of your policy

Looking at insurance companies with a reasonable quote and high customer satisfaction rating with help you get the best experience with your insurance.


Surex’s model allows you to get 10+ personalized quotes from leading insurance providers to help you get the best coverage at the right price.  Surex has a team of licensed insurance advisors to help you make quick, easy decisions about your insurance purchases. You’re not in this alone, we’re here to help. Learn more.

A number of factors determine the cost of home insurance: 

  • The age of the home

  • The square footage of the home

  • The number of inhabitants

  • Replacement cost

  • Exterior construction

  • Internal construction

  • The location of your home

  • Proximity to services like Fire/Police Stations

Compare Real Quotes


Talk to Real People

Insurance Broker
Licensed Insurance Advisor
Have questions? We’ve got answers

There isn’t necessarily a set average cost that would be an accurate price point to expect relating to home insurance rates in Canada. With so many factors contributing the cost of a home insurance policy, including value of the home, area of the home and your prior home insurance history, it would be misleading to say the average home insurance cost in ON (for example)is $1000 annually, because it could be a lot lower or higher for you, based on the previously mentioned variables.

It can change by province but the rule of thumb is if you have a mortgage or loan on your home you should have home insurance.  If you own your home outright -- then you can choose to not purchase home insurance. That said, if you were to choose that route, that’s a horrible idea! Say your home were to, unfortunately, burn down because you left the stove on. Without an active home insurance policy, you’d be solely responsible for replacing your home, if you chose to do so, as well as held liable for any damages caused to other people and/or structures.

What is covered in a home insurance policy varies, depending on the coverage types and options you choose. The two basic types of home insurance coverages in Canada are broad home insurance and comprehensive home insurance. Speak with your Surex Advisor about what coverages and options will suit you the best for your home insurance needs.

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For years there have been old wives tales about what factors increase or decrease your insurance rates, what to do or not to do to help your premium amount and most of them are not factual. So we are