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Toronto home insurance
Home insurance in Toronto that suits your needs.
Whether it’s your first or forever home, we’ll help find the right coverage. 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.
1
Have your documents ready.
2
Answer a few questions to get a free online quote.
3
Call us to confirm your details and finalize your coverage.
Get home insurance in Toronto.
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
Ways you could lower your home insurance premiums.
Insurance providers consider many factors when calculating your premiums. To help keep premiums low, properly maintain your home and take advantage of savings incentives.
Install an alarm system
Measures that protect your home, like a third-party centrally monitored alarm system, help you save.
Pay your premiums annually
You can save on fees by paying your premiums once a year instead of monthly.
Pay a higher deductible
By selecting a higher deductible you may pay less in premiums. In the event of a claim, the deductible amount will be deducted from any payout you receive.
Bundle your insurance
If you buy two or more types of insurance from the same provider, you may be eligible for a discount.
FAQs
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.
Looking for other insurance?
†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.