Home, renter’s and condo insurance - Ontario

Your home insurance experts serving Ontario, including the Greater Toronto Area and Ottawa

Frequently asked questions:

How much insurance do I need as a homeowner?

You need enough to cover the cost to rebuild your entire house in the event it is completely destroyed in an insured loss. Your home should be insured to 100 per cent of its replacement value.

Is home insurance mandatory?

Home insurance is not mandatory, yet if you have a mortgage, it will almost certainly be a condition of your mortgage that you have insured the property.

I own my own home; How do I know that I’m properly insured?

You will know you are insured to the right amount if you provided your insurance broker with a full and accurate picture of your home. You’ve got the right square footage, the age of your roof (what it’s made out of etc.) All of those details factor into the replacement cost that our evaluators generate.

My landlord has renter’s insurance; am I covered under that?

When it comes to renter’s insurance, your landlord’s policy only provides coverage for the building you live in and their own property. Your contents will not be covered under it; having your own renter’s policy is very important. Our experts are trained in renter’s insurance across multiple provinces and have years of experience insuring people and families like yours.