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Home Insurance in Ottawa

Everything You Need To Know

Average Cost: $1,200 – $2,500 per year (depending on home value, location, and coverage)
Includes:

  • Liability Coverage – Protects you if someone is injured on your property or if you cause damage to others’ property.
  • Accident Benefits / Personal Property Coverage – Covers loss or damage to your belongings, and may include temporary living expenses if your home is uninhabitable after a covered event.

Get the Best Home Insurance in Ottawa – Save Money and Stay Protected

Finding the right home insurance in Ottawa is essential to protect your property, belongings, and finances. Whether you own a house or a condo, having the right coverage helps protect you from fire, theft, water damage, and unexpected events.

At Western Financial Group, we help Ottawa homeowners find affordable home insurance that meets Ontario’s requirements. Our experts compare policies from trusted private insurers to secure competitive rates tailored to your home and lifestyle.

Same-Day Customized Ottawa Home Insurance

We save you time and money by comparing insurance providers across Ontario to secure the best coverage for you!

How Home Insurance Works In Ottawa

Unlike some provinces, home insurance in Ontario is offered by private insurers, giving Ottawa homeowners the flexibility to compare policies that suit their property, lifestyle, and budget. At Western Financial Group, we simplify the process by comparing home insurance options to help you find the right coverage at a competitive price.

Owning a home in Ottawa comes with its own challenges, including harsh winter weather, potential water damage, and urban risks such as theft or vandalism. Insurance rates reflect these local factors, which is why working with a local broker who understands Ottawa’s housing realities can make a real difference.

Why Choose Western

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Compare Insurance Quotes for Free 
We shop across trusted providers to find you the best coverage.

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Over 10,000 Five-Star Reviews

Reviewed by Canadians in our communities nationwide.

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Serving Canadians Since 1905 
Over a century of experience delivering trusted insurance solutions.

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Fast, Personalized Advice
Our local insurance experts understand your specific needs.

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Convenient Same-Day Service
Get covered fast with hassle-free, same-day insurance solutions.

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Giving Back
Through the Western Communities Foundation.
Over $9M donated since 2001 to strengthen communities.

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Understanding Home Insurance in Ottawa – Your Questions Answered

Understanding home insurance in Ottawa doesn’t have to be confusing. From required coverage to pricing factors and how claims work, Ontario home insurance comes with important details every homeowner should know. Below, we answer the most common questions Ottawa residents ask about home insurance so you can make informed decisions with confidence.

What Does Home Insurance Cover in Ottawa?

Home insurance in Ottawa typically includes mandatory and optional coverages to protect your property and belongings.

Mandatory / standard coverage often includes:

  • Dwelling coverage: Protects your home against fire, storms, and other insured perils
  • Liability coverage: Protects you if someone is injured on your property or you damage someone else’s property

Optional coverages may include:

  • Contents insurance for personal belongings
  • Water damage or sewer backup coverage
  • Overland flood protection
  • Coverage for detached structures (garages, sheds)

The right combination depends on your home type, location, and personal risk factors.

How Much Does Home Insurance Cost in Ottawa?

The cost of home insurance in Ottawa varies depending on factors such as:

  • Home value and age
  • Location and risk of flooding or theft
  • Coverage limits and optional add-ons
  • Your claims history

On average, Ottawa homeowners pay between $1,200 and $2,500 per year for a standard home insurance policy.

Can You Have a Home Without Insurance in Ottawa?

No. While home insurance is not legally mandatory in Ontario, most mortgage lenders require it before approving a loan. Driving without insurance may not be illegal, but owning a home without coverage leaves you financially vulnerable to major losses from fire, theft, or natural disasters.

How Can I Lower My Home Insurance Premium?

  • Bundle your home and auto insurance with the same provider
  • Install security systems, smoke detectors, or anti-theft devices
  • Maintain a good claims history and avoid small claims
  • Review your policy limits regularly and remove unnecessary coverage

 

Looking for Home Insurance in Other Ontario Cities?

Save more when you bundle your car and home insurance.

When you bundle your car and home insurance, you can get a discount and it’s an easy way to cut costs without cutting coverage. You’ll also get one bill instead of two.

If you have more than one car and they’re insured under the same policy, you can save with a multi-vehicle discount. If you’re a renter, you can bundle your renter's insurance with car insurance to get a discount.