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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
We offer competitive rates and coverage options across a range of trusted providers.
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®.
It’s easy to buy home insurance through us.
Have your documents ready.
Answer a few questions to get a free online quote.
Call us to confirm your details and finalize your coverage.
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Prior home insurance claims can indicate home systems that are out of date.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.
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.