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If you own a home, it’s a significant financial asset that likely makes up a huge portion of your net worth. Whether you live in the suburbs, in a small town, or in the heart of downtown, there’s no denying that you need a home insurance policy with the coverage that you need.

That’s where we come in. Our team sources quotes from up to 9 insurance providers* for the best rates and coverage we can get to suit your needs.

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Home Discounts

Note: Discount options, eligibility criteria and availability vary by province and insurer.

Age discount

The wait is over, if you’re over a certain age you may get a discount.

Home security & Fire protection discount

Taken steps to protect your home? If you’ve hired a security guard or installed an alarm system you may qualify for discounts.

Claims free discount

If you haven’t made a claim in a while, you can earn discounts for your clean-record.

Mortgage free discount

Don’t have a mortgage or line of credit? You qualify to save on insurance.

Multi-property discount

When insuring more than one place, like a rental or secondary home, get the multi-property discount.

Newer home discount

Got a newly built house? Save based on the age of your home.

Water alarm discount / Centrally monitored water alarm discount

You could get a discount for making sure your water and appliances are monitored 24/7 by Central Alarm Station.

Non-smoker discount

Only live with non-smokers? You may be eligible to save.

Sewer back up prevention discounts

Get a discount for preventing overflow damage, like installing an alarmed sump pump, backwater valve or more.

Stability discount

The more years you’ve lived in a house, the more you’ll save.

What’s included with a Basic Home Coverage?

Here are some simple definitions to help you better understand insurance coverage

  • House in red shield

    Home

    Covers your home, including its roof, foundation, flooring, windows, doors, and more.
    While the perils covered depend on the type of coverage you choose, home insurance typically covers theft, fire, vandalism, some water damage, lightning, wind, vehicle impact, explosions, falling objects, and smoke.

  • computer on desk

    Personal property

    Most home insurance policies, will cover your personal belongings, such as appliances, clothing, furniture and electronics. However, there are limits on the amount and the type of items that are covered. For example, computers, jewelry, cash, bicycles, fine art, musical instruments, and coin, stamp or card collections may require additional coverage.

  • slippery when wet sign

    Personal Liability

    Personal liability coverage may sound complicated but it really isn’t. Think of your kids playing ball on the street and they somehow manage to throw the ball right through your neighbour’s window. Well, personal liability covers you for exactly that.

    Personal liability coverage can pay for damages to injured persons or damaged property. There is usually a limit to your liability coverage. Check your policy for your limit.

  • money in pocket icon

    Living expenses

    If your home is not liveable due to a disaster such as fire, most policies pay for your alternative living expenses such as a hotel.

Home Optional Coverages

Note: Optional coverage options, eligibility, and availability vary by province and insurer.

Sewer Backup

Going without insurance for an overflow? That’s a no-go. Protect your home from water damage coming from your municipal sewer system, septic tank, sump pump or even from your own sink, shower, or toilet.

Overland water

No need for waterworks with overland water insurance. Get extra coverage on damage from ground level water, like excessive rain, overflowing rivers, or melting snow.

Home Sharing

Get rental-ready. This optional coverage is the key to host overnight guests worry-free.

Earthquake

Don’t let an earthquake shake you. Protect your home from potential disaster with coverage for physical losses and property damage.

Identity Theft

Prevent and protect yourself from identity theft. So, if it does happen, you have help from professionals to recover your identity, too.

24/7 Claims Service

We’re always happy to help you with any claim. If you're not 100% satisfied with the service from your insurer during a covered claim we'll send you a President's Choice® gift card. Some conditions and limitations apply. Click here for details.

Earn Rewards

Earn 2X the regular PC Optimum points when you pay your PC auto insurance premium with your PC Financial Mastercard® redeemable towards free groceries, beauty, and more**.

Bundle up and save

Bundle your home & auto insurance to save up to 20% off both premiums.

Make a claim in 3 easy steps

1

Contact us at

1 877 251-8656

Call us at 1 877 251-8656. Our insurance brokers are available 24 hours a day. They'll talk through your incident and help you determine if you should submit a claim.

2

Have your details ready

Have your policy details ready. Before putting you in touch with your insurance
company, our insurance brokers will ask some quick questions, like:

  • Date and details of loss; and police report number (if applicable)

  • If anyone injured in the incident

  • If another party was involved

  • If the accident caused any property damage

3

Servicing your claim

From start to finish, insurer’s claims professional will keep you up to date on your claim and provide you with information about:

  • Your coverage

  • Details on damage

  • Vendor recommendations

  • Home repair status

  • Accommodation details

  • Liability

  • Deductible status

  • Claim payments

Contact us at

1 877 251-8656

Call us at 1 877 251-8656. Our insurance brokers are available 24 hours a day. They'll talk through your incident and help you determine if you should submit a claim.

Contact us at

1 877 251-8656

Call us at 1 877 251-8656. Our insurance brokers are available 24 hours a day. They'll talk through your incident and help you determine if you should submit a claim.

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