Compare and purchase the best home insurance rates in Ontario.
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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
Provides protection against a lawsuit resulting from damaged property or personal injuries.
These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.
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 broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)
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Surex partners with leading insurance companies in Canada to get you the right coverage at competitive rates.
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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 |
|---|
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.
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