Oh, home sweet home.
Awesome insurance, no
matter where you live.

Homeowners insurance

We’ve got affordable coverage for your freehold, whether it’s a bungalow, two-storey, semi or whatever.

Tenants insurance

Renting? We’ve got coverage to protect your Pokemon cards, vintage vinyl and everything else you love.

Condo insurance

Insurance to protect your unit, stuff and everything else that’s not covered by your association’s insurance policy.

Landlord insurance

If you rely on rental income from your tenants, landlord insurance provides financial protection not covered by a regular homeowners policy.

Ontario cottage insurance

Call it a cottage, cabin, or chalet, we’ve got coverage for your vacation home and all the fun stuff you have there.

High-risk home insurance

No matter your payment history, home type or use – we’ve got you covered, with lots of advice and support to boot.

Airbnb insurance

If you list your own home or another property for short-stay rentals on sites like Airbnb, you’ll need Airbnb insurance. It’s a thing!

Mortgage insurance

Raise the roof for awesome Ontario mortgage life insurance rates. As an outlet to over 70 insurance companies, we have great options.

Home and auto discount bundles

Let’s bundle up. If you combine your home and auto coverage, you can save up to $600 on insurance.

Bundle discounts

Let your Mitch advisor do the comparison shopping for your home, condo, apartment, cottage or any other property you want to insure. They’ll point out stuff like if you combine your home and auto coverage, you can save up to $600 on insurance. Sweet! 1-800-731-2228

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Home insurance in Ontario: What’s covered?

We’ve made a list of all coverage options for home insurance but here’s some basics:

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Your home

There’s coverage for your home, garage, storage shed, pool house and other detached buildings or structures on the property.

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Your stuff

All the stuff inside your home including furniture, electronics, clothing and other personal things like your vintage vinyl collection could be covered.

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Liability

If anyone gets hurt or their stuff is damaged while they’re visiting your home or on your property, you can be financially protected.

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Living expenses

Hotel rooms, restaurant meals, storage and other expenses can be covered if you have to leave your home because of damage or a natural disaster.

We’re an outlet for over 70 of Canada’s best insurance companies. Here’s a few of them.

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How can I save on home insurance and other things that are good to know.

How home insurance rates in Ontario are calculated and other interesting questions answered.

Cost of rebuilding your home and replacing your stuff
Location as some areas are more prone to flooding or crimes like break-ins
Claims history and the frequency of claims on your home insurance policy
Roof age as roofs less than 20 years old do better against wind, hail and leaks
Credit score is often used for your home insurance rate in Ontario and other provinces in Canada
Fire safeguards like having a fire hydrant or fire department near your home

Learn more about the factors that affect the cost of home insurance.

No, home insurance is not required by law in Ontario. If you have a mortgage on your home, your lender may require you to maintain home insurance to protect themselves against loss. If you don’t have home insurance and your home is damaged by an event you will have to pay for all repairs yourself.

Insurance companies have found that customers with good credit scores make fewer claims than those without good credit scores. As such, most insurance companies offer discounts to people with good credit scores, as they expect to pay out less in claims if you have good credit. Allowing the insurance company to do a soft view of your credit score offers you the opportunity to be rewarded for having a good credit score and paying less for your home insurance.

Your home insurance policy will list the water coverages that are available. Not all home insurance policies are created equal, so it’s important to compare based on coverage as well as price. Be sure to ask your broker about what water coverage is included in your policy so you will know what you’re protected for. We’re happy to discuss what coverages you would like to have included in your policy and will help find you coverage that’s right for you.

If you are renting a home or an apartment, your landlord will be responsible for maintaining the building, and you will be responsible for your own personal belongings. Purchasing a tenants policy provides you with liability coverage as well as coverage for your personal belongings, up to your policy limit. The price of your tenants policy will be influenced by a few factors, such as your claims history, your postal code, and the total value of the contents you would like to insure.

Learn more about tenants insurance

The best way to save on your home insurance is to have Mitch do the shopping for you. We work with over 70 different insurance companies, and can help you find great coverage at the best price.

After we have found you a great rate you can help us keep your rates low by being claims free, having a good credit score, and keeping your home up to date.

As we mentioned above, every company offers a variation of a similar product, with minor differences in what is covered. For the most part, the coverages and exclusions are somewhat similar, and for the average homeowner, the differences are often nominal. The way that claims are handled by each insurer is also quite similar, as the same principles are practiced across the industry.

There are however limits and endorsements within a policy that differ from one company to the next. These differences might make a company more appealing if these limits pertain to your specific needs.

For instance, all insurance policies carry a limit for things such as bikes, cash, jewelry, and furs. A jewelry limit can range from $4,000 with some companies, to $10,000 with another. If you have a large amount of jewelry or even just a few valuable pieces, this limit may be a point of interest for you to discuss with your broker.

Different companies also offer varying endorsements. Home Equipment Breakdown, Cyber Risk, Service Line, and Groundwater are examples of coverages that are not available at every insurance company in the province. Mitch can help you determine if these coverages are available and right for you and your home.

Yes, and there is an 8% provincial sales tax on homeowners insurance in Ontario.

Mitch works with 70+ insurance partners and can certainly attest that rates differ greatly from one company to the next, just as they do from one home to another. There is no one company that offers the lowest rates across the board.

We’re happy to help you find the coverages, limits, and endorsements that are right for you and your home at the best price available. Give us a call today!