Home insurance in Ontario.
Compare. Save. Sleep well.
One request. Objective comparison across 20+ Ontario home insurers through our RIBO-licensed partner brokerages. Free, no obligation.
What every Ontario
homeowner needs.
Ontario home insurance is regulated by FSRA. Policies are placed by RIBO-licensed partner brokerages that AccesDirect connects you with — AccesDirect is a comparator, not a brokerage. Below are the core coverages found in an Ontario homeowner (HOB), tenant (HOB-T) or condo (HOB-C) policy.
Dwelling (Coverage A)
Rebuilds the structure of your home after a covered loss — fire, wind, hail, most water perils. Insure at guaranteed replacement cost, not market value.
Personal property (Coverage C)
Furniture, electronics, clothing, appliances. Typically 60–80% of dwelling limit. Sub-limits apply to jewelry, bikes, collectibles — schedule high-value items.
Personal liability
Minimum $1M, $2M recommended. Covers bodily injury or property damage you cause to others — anywhere in the world, not just at home.
Additional Living Expense (ALE)
Pays for hotel, meals and rent if your home becomes uninhabitable after a covered loss. Usually 20% of dwelling limit.
Water damage endorsement
Sewer backup, overland flood and groundwater are often excluded or capped — add endorsements. Critical in Toronto, Ottawa, Windsor.
Guaranteed Replacement Cost
Removes the cap on rebuild costs when construction prices spike. Recommended after post-2020 material inflation in Ontario.
Three steps.
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You fill the form
Two minutes to describe your home, its year of construction and your Ontario address.
We match you
Your request goes to a RIBO-licensed Ontario partner brokerage who compares 20+ insurers.
You save
A partner broker reaches out with the best offer — no obligation to buy.
We serve every
major Ontario city.
They compared.
They saved.
“Renewal came in 12% higher — I compared and dropped $470 without losing any coverage.”
“I finally added sewer backup after a scare. Broker walked me through the right endorsement.”
“Bundled home and auto — the savings pay for my content coverage.”
Ontario home insurance —
common questions.
How much does home insurance cost in Ontario in 2026?
Is home insurance mandatory in Ontario?
What is not covered by standard home insurance in Ontario?
Should I insure for replacement or market value?
Do I need tenant (renter) insurance in Ontario?
What about condo insurance?
Is AccesDirect really free?
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