House Insurance – Ontario
Move-in day, late nights with friends, holiday memories, and Saturday morning cartoons with the kids. Your house is where life happens, and Westland is here to help you protect it.
As your local insurance experts, we know that each home is unique in its own way. From the hustle and bustle of the GTA to the serenity on the water in cottage country, it’s easy to see why people are proud to call Ontario home.
Whether you’re shopping for car or house insurance in Ontario, our insurance experts will help you get the protection you need for a price you’ll love – so you can focus on the things that really matter.
House insurance in Ontario, explained
Ontario house insurance policies protect the structure of your house, your belongings inside it, and your personal liability. Policies are made up of different types of coverage, each responsible for protecting a different element of your house. While some come standard, others are optional that you can add on for extra protection. Each coverage will have its limits – which can sometimes be increased or decreased depending on the level of additional coverage you need. Common risks covered by house insurance in Ontario include fire, water damage, wind, theft, and vandalism.
We’ll help you assess your needs and find the best policy for your lifestyle and budget.
Dwelling coverage helps cover the cost of rebuilding or repairing the structure of your house in the event of an insured loss.
This protects your personal belongings that are inside your house. They’ll be repaired or replaced if they’re damaged or lost due to an insured loss. Most standard house insurance policies will protect them whether they’ve been damaged at home or anywhere in the world.
This provides protection for additional structures on your property like a shed, guesthouse, or gazebo.
Provides protection if someone is injured on your property by covering legal costs if you’re held legally responsible. This will also cover you if you cause injury or property damage to others either at home or anywhere in the world.
If your house becomes unliveable due to an insured loss, expenses to relocate will be covered. This typically includes food, hotel or rental charges, and other costs you wouldn’t normally be responsible for while living in your own home.
Helps cover loss or damage caused by water that enters your house as a result of torrential rainfall, the sudden rising of a fresh body of water, or the sudden melting of snow or ice.
Covers damage caused by the escape of wastewater or sewage into your house.
Helps pay for the repair or replacement of service lines to your house. This coverage can include underground water and sewer piping, electrical service lines, and more.
Add this endorsement to avoid having your first house insurance claim impact your premium.
Get help through the recovery process if you or someone in your household is a victim of identity theft.
This covers common equipment in your house like heating and air conditioning systems if they fail to operate because of mechanical or electrical failure.
If your house requires repairs, this coverage protects you for any improvements required as a result of updated by-laws.
You can add certain belongings to your policy for extra coverage – think jewellery, fine art, expensive sports equipment. There are generally specific limits on standard house insurance policies to ensure your valuables are adequately protected.
How much is house insurance in Ontario?
The average house insurance cost in Ontario depends on where you live, your home, and more. The best way to find out how much you’ll pay is to compare quotes for house insurance in Ontario.
What factors determine the cost of house insurance in Ontario?
How much you pay for house insurance in Ontario depends on the coverage you choose, the type of house insurance you need and other factors including:
Depending on how old your house is, it could be more at risk of a claim compared to others.
House insurance companies in Ontario will use your address for insight into whether your area is prone to flooding, at risk of crime, and other common types of claims made. Its distance to services is also taken into account – your homes proximity to emergency services like a fire station or fire hydrant will affect your claims risk, and premium.
Some materials are harder to work with, could pose an increased risk, or increase the cost of repairs/replacement. The materials used during the construction of your house will inform the price of your insurance.
Your house insurance premium can be reduced when you’re eligible for discounts. Most house insurance companies in Ontario offer discounted rates for things like consenting to a credit check, having a good claims history, and more.
How to save on house insurance in Ontario
One way to save on your house insurance rate in Ontario is to review and optimize the coverages that are included on your policy. You can adjust your coverage limits, add or remove optional endorsements, and adjust your deductible to save on your home insurance premium.
Plus, many house insurance companies in Ontario offer a menu of discounts you may be eligible for, bringing down the cost of your insurance.
Discounts on house insurance in Ontario
Customer 55+ can save more on house insurance.
Get rewarded for having a good house insurance claims history.
Protect your house with an alarm system to deter break-ins and theft.
Enjoy a loyalty discount when you stay with your Ontario house insurance company for multiple consecutive years.
No mortgage on your home? Get an extra discount on your house insurance coverage.
Bundle your house and car insurance in Ontario with the same provider for added savings.
Get ahead of water damage with a leak detection device to save more on your home insurance policy.
Why choose Westland for your Ontario house insurance needs?
Expert advisors go above and beyond
Our advisors go the extra mile every step of the way and do the legwork to provide personalized house insurance in Ontario to suit your lifestyle.
Our large network of insurers means more choice
We have a large network of insurers that we can tap into - guaranteeing great rates and options - so you know you’re not missing out.
We work hard to make things simple
Whether it comes to finding the right house insurance coverage or navigating a claim, we keep things simple and use language that everyone can understand.
Example of a house insurance claim
You come home after a long day to find that your house has been flooded. The floors are soaked with wastewater, your furniture has been ruined, and the water accumulated in your home is ankle deep. What now?
Your Ontario house insurance will spring into action, with different parts of your policy stepping in to help:
Additional Living Expenses
It’s unsafe for you and your family to stay in a house with wastewater and potential water damage, so you’ll need to find alternative living arrangements. The cost of a rental, hotel room, food, and other living expenses will be covered while your home’s being repaired.
Building/dwelling
Damage to your house’s structure will be addressed and repaired to make things safe for your family again.
Personal Property coverage
Damaged items – like furniture, clothes, and electronics – that need to be repaired or replaced are covered under your Personal Property coverage.
Sewer Backup
Water damage to the inside and structure of your house will be covered by this endorsement.
Claims Forgiveness
You’ve had to make a claim due to the incident but can rest assured it won’t impact your premium when it’s up for renewal.
Connect with us
Our expert advisors are waiting to help you find the perfect house insurance.
Find a branch
Come in and speak to an advisor to get a customized policy made just for you.
Request a quote
Start an online quote at your convenience, and we’ll help you select a plan that works for you.
Ontario house insurance FAQs
The cost of Ontario house insurance largely depends on your home and where you live. The easiest way to find out how much you’ll pay for home insurance is to start a quote online to compare prices from different house insurance companies in Ontario.
While house insurance is not mandatory in Ontario, many financial institutions and lenders require a valid house insurance policy before granting financing.
House insurance companies in Ontario will use your address to assess the risk in your area – factors like vulnerability to flooding, theft, crime, and more will impact how much you pay for house insurance.
Types of house insurance in Ontario
Condo insurance
Suited for condo owners, condo insurance protects your unit, what’s in it, and renovations and upgrades you might make inside it. Made to complement your condo corporation’s insurance, it’s the protection you need to safeguard your investment.
Tenant insurance
While your landlord’s policy will protect the structure of your house, you’ll still want tenant insurance – also referred to as renters or contents insurance – to keep your personal belongings safe.
Insurance for rental properties
Get the right protection for your rental property to safeguard your investment. Be covered for rental income loss, commercial use, and personal property you’ve trusted your tenants with (like yard maintenance equipment).
Cabin & cottage insurance
Protect your home away from home with a policy for your cottage or cabin. With specialized coverage, we’ll help you find the right policy for even the most remote locations.
Mobile home insurance
With coverage similar to house insurance, mobile home insurance policies offer typical coverages that ensure you can get back to normal as quickly as possible.
Buy house insurance in Ontario with confidence
Ready to compare car and house insurance quotes in Ontario? Whether you’re buying your first house, shopping around ahead of your renewal, or want to bundle your car and house policies, we’re ready to help you find affordable house insurance in Ontario. Connect with us today to get started.
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