Compare and purchase the best home insurance rates in Ontario.
Get free and accurate quotes from Canada’s top insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.
Types of home insurance coverage we provide
Protects you if you cause injury or property damage to others in an accident. Helps cover medical costs, legal fees, and/or repairs.
This provides coverage for loss and damage to your property and/or any assets.
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.
This allows for the protection of your “claims free discount” in the event of your first claim.
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.
When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.
When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)
Get the best rates from Canada’s top insurance providers
Surex partners with leading insurance companies in Canada to get you the right coverage at competitive rates.
Recent customer reviews
Find out why Canadians trust Surex for their insurance needs.
I had an excellent experience setting up the insurance for my first car with Ashley at Surex. She was fast, professional, and incredibly helpful every step of the way. Ashley made the process smooth and stress-free, answered all my questions promptly and found me a great price. Highly recommend her for anyone looking for outstanding and reliable insurance service!!!!
I have nothing but exceptional service from Ashley Bushfield at Surex, quickly responds and takes cares of anything I need for my insurance needs… prices are amazing too… thanks for everything you do!! Highly recommended!!
Mostly great help but I feel when your contract wasn’t renewed for car insurance contacting your customers by email should have at least should got a phone call to their customers when the email wasn’t acknowledged by customer for whatever reasons… but something as important as having no insurance should have required a phone call by the company and the broker should have an alternative option for it’s customers
I had a great experience with Ashley at Surex. She was able to get me insured the same day and sent over my policy right away. The process was quick, and smooth. I’m very happy with the quality of her work and the service, I’d definitely recommend Ashley and Surex to anyone in Ontario looking for reliable insurance.
Ontario home insurance rates vs. other provinces
Province |
Average Rates |
|---|---|
Ontario |
$1,797 |
Alberta |
$2,304 |
Nova Scotia |
$2,788 |
New Brunswick |
$2,402 |
Newfoundland & Labrador |
$2,513 |
Prince Edward Island |
$1,145 |
Manitoba |
$1,335 |
British Columbia |
$2,389 |
Yukon |
$1,830 |
Nunavut |
$3,516 |
Saskatchewan |
$1,873 |
Northwest Territories |
$3,367 |
See how our customers save big on home insurance
Customer |
City |
Type |
Average Rate |
Lowest Rate |
Savings |
|---|---|---|---|---|---|
Abdul |
Napanee |
Detached |
$2,184 |
$1,347 |
$837 |
Abida |
Orleans |
Townhouse |
$677 |
$485 |
$799 |
Benjamin |
Nepean |
Semi Detached |
$1,222 |
$938 |
$896 |
Home insurance in Ontario - FAQs
To receive an accurate home insurance quote in Ontario, you’ll need the following information:
- The square footage of your home
- The year the home was built
- Details about any upgrades or renovations
- Your full address
- Your personal home insurance claims history
Having this information ready helps ensure you get the most accurate quote possible.
Home insurance rates in Ontario are set by individual insurance providers but must be approved by the Financial Services Regulatory Authority of Ontario (FSRAO).
Rates are based on several factors, including:
- Insurance data: Providers assess historical claims data in your area. If you live in a region with fewer past claims, your premium may be lower. In contrast, areas with frequent claims typically see higher rates.
- Home value: Insurers consider how much it would cost to rebuild your home in the event of a total loss. Larger or more customized homes typically cost more to insure.
- Your home insurance history: A clean record can help reduce your rate, while multiple past claims may increase it.
Because each insurer weighs these factors differently, comparing quotes is the best way to find competitive pricing.
One of the biggest reasons Ontarians switch insurance providers is price. At Surex, we partner with multiple home insurance companies across Ontario to give you a range of competitive quotes and help you access discounts that could lower your premium.
If you're looking for ways to reduce your home insurance costs, here are some common discounts offered by our insurance partners in Ontario
- Good credit discount
- Mortgage-free discount
- Gated community discount
- Alarm/home security discount
- Renewal discount
- Claims-free discount
- Age discount
- Sewer back-up discount
- New business discount
- Flex discount
- Loyalty discount
- Smoke-free home discount
- Household discount
- Multi-lines discount
- Occupational discount
Your Surex Advisor can help you determine which discounts you qualify for and find the best combination of savings and coverage.
The amount of home insurance coverage you need in Ontario depends on several factors, including where you live, the value of your home, and your risk exposure. Some coverages, like overland flood protection, may be required by insurers if you live near water or in a flood-prone area.
If you're interested in adding optional coverages to enhance your protection, your Surex advisor can walk you through your options and explain how they may affect your premium.
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National Coordinator of Professional Development
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