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Ontario home insurance
Home insurance in Ontario that’s right for you.
We’ll help you find coverage that fits your needs and wallet. PC Optimum™ members can save up to 35%† when they bundle their home and auto insurance and combine with other available discounts.Get a quote
How we offer competitive rates
As a broker, we compare quotes from a variety of trusted insurance providers to find you coverage that fits your needs and budget.
Save on coverage, and earn
PC Optimum™ points.
PC Optimum™ members save up to 35%† when they bundle their home and auto insurance and combine with other available discounts.Learn more
Earn 2x the regular PC Optimum™ points* for every dollar spent when you pay your premium with your PC® Mastercard®.
Buy your home insurance in 3 easy steps.
Answer questions about your occupancy type, property, and personal info to get an accurate online quote.
Customize your coverage if needed.
Confirm your details and proceed to pay online to finalize online purchase.
Factors that affect home insurance costs in Ontario.
Home insurance premiums are determined by many factors. Here are some to keep in mind when getting an insurance quote.
Where you live
The frequency, type and cost of claims in your area is factored into your home insurance premium. Homes located in areas with frequent or more costly claims will typically be more expensive to insure.
Distance from a fire hydrant
Close proximity to a fire hydrant or station can lower your home insurance premium because a potential fire can be put out faster, potentially resulting in less damage to your home.
Your claims history
Prior home insurance claims can indicate home systems that are out of date. Older plumbing, electrical or heating systems present an increased risk of leaks or fires, which may result in a higher premium.
Age and condition of your roof
An older roof is more likely to be a contributing factor in water damage to your home or require significant repairs. If your roof is 15 years old or older, your premium may be higher.
Get home insurance in Ontario.
Insure your home and your personal belongings with coverage that fits your needs.
Home insurance can cover your home and its contents in the case of theft, loss or damage to the inside and outside of your home or property.
It could also help you cover additional living expenses if you're temporarily unable to live in your home such as living in a hotel or a rental home.
While the government doesn't require you to purchase home insurance, your mortgage-holder probably will - at least enough to cover its share of ownership.
There are various kinds of home insurance that cover general and specific kinds of damage to your home, and you should research your options carefully.
You can also buy specialized insurance to cover a condominium, home business, or other kind of property or valuables found in your home.
Home insurance may also include liability coverage for people who are hurt on your property.
Some insurance policies require that you estimate the total value of your possessions and the building itself.
Speak with our insurance brokers to determine your insurance needs.
Yes! You can earn 2x the regular PC Optimum points* for every dollar spent at PC® Insurance if you pay your premiums using your President's Choice Financial Mastercard.
All purchases with the PC Financial® Mastercard® earn a minimum of 10 PC Optimum points per dollar. When you pay your PC® Insurance home or auto insurance premium with your PC Financial® Mastercard®, earn 20 PC Optimum™ points per dollar. Minimum redemption is 10,000 PC Optimum™ points (worth $10 in free rewards) and in increments of 10,000 PC Optimum™ points thereafter, at participating stores where President's Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details and full store list.
Where we are.
Servicing 6 provinces.
Alberta, Ontario, New Brunswick, PEI, Nova Scotia and Newfoundland & LabradorFind your location
†By combining the following discounts from participating insurers, as follows: (i) the discount offered to PC Optimum™ members in good standing off the applicable insurer’s base premium excluding any endorsements or extended coverages (ii) the bundled discount for purchasing both your home and auto insurance with the same insurer through PC® insurance and (iii) the claims-free and convictions-free discounts if you qualify, subject to regional availability. Total savings of up to 35% is in comparison to the base premium excluding any endorsements or extended coverages from the participating insurer you would have paid if these discounts were not applied. Valid only for new customers or renewals; does not apply to current policies. PC® auto and home insurance products are available only in Alberta, New Brunswick, Newfoundland & Labrador, Nova Scotia, Ontario, and Prince Edward Island. The PC Optimum™ program is provided by President’s Choice Services Inc.
*All purchases with the PC Financial Mastercard® earn a minimum of 10 PC Optimum points per dollar. When you pay your PC Insurance home or auto insurance premium with your PC Financial Mastercard®, earn 20 PC Optimum points per dollar. Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards) and in increments of 10,000 PC Optimum points thereafter, at participating stores where President's Choice products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details and full store list.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President's Choice Bank is a licensee of the marks.