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PC 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.

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PC covers your home insurance needs in Ontario

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%

PC Optimum™ members save up to 35%† when they bundle their home and auto insurance and combine with other available discounts.

Learn more
Earn up to 2x the regular PC Optimum points

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.

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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.

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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.

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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Prior home insurance claims can indicate home systems that are out of date.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.

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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.

Basic coverage

  • Home

  • Personal Property

  • Personal Liability

  • Living Expenses

Optional coverage

  • Sewer Backup

  • Overland Water

  • Home-sharing

  • Earthquake

  • Identity Theft

Learn more

Where we are.

Servicing 6 provinces.

Alberta, Ontario, New Brunswick, PEI, Nova Scotia and Newfoundland & Labrador

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