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The Best of Home Insurance in Ontario

Our homes may be one of. if not the greatest investments of our lives. Insuring them is a no-brainer, but it comes at a cost – and a cost that seems to be steadily rising with each year. Many homeowners are on the hunt for the best home insurance company in Ontario, but which company fits the bill?

Choosing the best home insurance company is an impossible task. but choosing the best home insurance company for you isn’t so difficult when you work with an independent insurance broker like Mitch.

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Our contenders for the best home companies in Ontario, by year

Every year we create a list of all the different home insurance carriers that we’ve partnered with and compare them by their Google rating, J.D. Power rating, the category of insurance they sell, their size, and how to get coverage from them. We compare them individually by price as well, using several different fictitious homeowner profiles to assess which insurer offers the best price overall.

The best of home insurance companies by year

Why do we create a new list for different years?

Because each year insurance premiums change. The shift in insurance premiums is influenced by many factors, but some may impact certain homeowners more than others. For example, homeowners living in Ottawa might start seeing their insurance rates rise in the next year because their insurer has seen a large influx in fire losses in the area. Those homeowners might find better rates elsewhere, when previously their best bet was with the first insurer.

Certain home insurance companies will also lower their rates for periods to attract new customers, especially if a competitor is doing particularly well in an area. This may mean a once-affordable home insurer is no longer the best option for you.

How do you choose the best home insurance company in Ontario?

Prices are ever-changing, so it can be tough to nail down the best home insurance company for your needs. When looking for an ideal home insurance company in Ontario, we recommend looking into the following qualities:

  1. Their customer ratings
  2. J.D. power rating
  3. The size of the insurance company
  4. Their prices
  5. Claims experience
  6. Customer service

To get the best insurance rates, coverage, customer service, and an insurer that fits your needs, then work with an independent insurance broker – like Mitch. Our advisors can provide you with the individualized advice you need, plus we can shop on your behalf to find you a great price. Call us today and start on a free, no-obligation quote.

Good to know: Frequently asked questions about the best home insurance companies in Ontario

That all depends! What kind of home do you own? Is it new, or old? Do you live in a city setting, suburban, or rural? Has the roof recently been renovated? Where do you live in Ontario? What’s your claim history like? Is the home near any large bodies of water? The best insurance company is subjective, since no one insurance policyholder is the same – and nor is any one insurer! To find the right insurer for you, we recommend partnering with an independent insurance broker to help you shop around.

Check out our list of the best home insurance companies in 2024. Remember that reviews are just one of many ways to gauge an insurance company and can often be a misrepresentation of who that insurer is. Often, customers will only leave a review when they feel they’ve received poor service. Also, nothing can stop competitors from posting bad reviews, or even insurance companies planting good reviews.

No insurance company is technically better than another for paying claims. Insurers are obligated to honour the terms of their contract with you, so if coverage applies they’re required to pay the amount they’ve agreed to. Some companies will take longer than others to pay claims depending on labour shortages, investigations, the nature of the claim, etc. However, there’s no “best” company at paying claims. We recommend reading customer reviews and taking note of any trends to do with claim service.

Not all home insurance carriers also sell auto insurance, but lots do! Many insurers will grant you a discount if you purchase both your auto and home insurance through them too, which can save you hundreds of dollars. For the best home and auto insurance company for your insurance needs, give us a call at Mitch and we can get you started.

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