Property Insurance
Homeowners Insurance in Ontario
Homeowners insurance covers the building, attached structures, contents and your personal liability. We compare carriers, coverages and endorsements so you know exactly what your policy will and will not do at claim time.
- Guaranteed replacement cost
- Sewer backup & overland water
- Detached structures
- Personal liability
Live quote
Start your property insurance quote now.
Real rates from 50+ carriers in under 5 minutes. Free, no broker fee.
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- RIBO Licensed brokerage
- Same day broker follow up
Prefer to talk? Call (905) 492‑7070.
Who this is for
- First-time buyers
- Longtime homeowners reviewing renewals
- Owners of older or heritage homes
- Owners adding pools, additions or accessory units
How BrokerUnion helps
- Confirm rebuild cost, not market value
- Layer in water and equipment-breakdown endorsements
- Schedule jewellery, art and collections
- Bundle with auto for multi-line savings
FAQ
Common questions
Is home insurance mandatory?
Not by law, but your lender will require it for any mortgaged property.
What's the difference between rebuild cost and market value?
Insurance settles on rebuild cost, the cost to physically rebuild, which is rarely the same as resale value.
Ready to talk homeowners insurance?
A licensed broker will review your situation and walk you through your options. No pressure, no jargon.