Get home insurance quotes in 10 minutes

Personalized online quotes from top Canadian insurers, with licensed advice and extra savings when you bundle home and auto.

Get My Quote

Why choose PolicyMe for home insurance?

PolicyMe is reinventing the home insurance game with straightforward, digital quotes and reliable guidance from experts who understand what homeowners need.

We research, you relax

We compare coverage options for you (saving you hours of research) and recommend the best choice based on your needs.

shield with a star

Made for your home

No generic quotes here. The coverage we recommend is tailored to your needs, so you always get the right protection at the right price.

Buy confidently

Get your quote online in minutes, then review it with a licensed advisor to make sure everything’s right before you commit.

Get My Quote

Join 30,000+ Canadians who chose PolicyMe over traditional insurers

Simple, honest coverage with no pressure, no hidden fees, and real human support.

As featured in:
These companies trust us
the globe and mail logofinancial post logoctv logo
the globe and mail logofinancial post logoctv logo
the globe and mail logofinancial post logoctv logo
These companies trust us
consorcio logo
hcs capital logo

What your PolicyMe home insurance quote may include

Home insurance protects your home, belongings, and financial peace of mind. We compare quotes from trusted insurers and help you choose the right mix of coverage for your property and budget, including optional add-ons if you need them.

Dwelling coverage

Helps repair or rebuild your home and attached structures after a covered loss.

Contents coverage

laptop icon

Covers the personal belongings inside your home, like furniture, electronics, and clothing.

Personal liability

Helps protect you if someone is injured on your property or you’re found responsible for damage.

Additional living expenses

Helps pay for temporary housing costs if your home becomes unlivable due to a covered claim.

* Coverage varies by insurance provider and policy

A better way to buy home insurance

PolicyMe combines real online quotes, clear pricing, and expert guidance into one simple online experience.

Compare PolicyMe with other insurance providers
Features
Average Rates
Comparison sites
Direct insurers
Real quotes online in minutes
(usually requires follow-up)
(one insurer only)
Personalized advice from licensed insurance advisors
(limited)
Multiple insurers in one place
Price updates instantly as you customize
Manage home, auto, life & health in one online account

Digital home insurance quotes with human support

PolicyMe helps you choose coverage that fits your home and budget in about 10 minutes. Customize your policy online, see exactly what’s included, and get licensed support whenever you need it.

Get My Quote
home insurance mobile ui

Choose your coverage level

Answer a few questions about your home—like its age, construction, and features—and select the coverage level you’re comfortable with.

What impacts the cost of home insurance?

Your price depends on your home and the coverage you choose. With PolicyMe, you can see how your price changes instantly as you adjust your protection.

Ways to increase protection

+ $8–$25/mo*

Sewer backup coverage

Protect against damage from backed-up drains and pipes.

+ $10–$40/mo*

Overland water coverage

Covers water damage from heavy rainfall or flooding.

Ways to lower your premium

– 5–12%*

$1,000 deductible

Choosing a higher deductible can lower your monthly premium.

– 5–20%

Bundle home & auto

Combine policies to unlock a multi-policy discount.

* Rates vary depending on your home, coverage, location, and insurance provider.

How to lower your home insurance cost

  • Choose the right coverage. Know the difference between non-negotiable coverage and optional add-ons that drive up your premiums without adding equal value to your policy.

  • Bundle policies when it makes sense. Insuring your home and car together can unlock multi-policy discounts. It also makes coverage easier to manage, review, and update annually.

  • Improve your home’s risk profile. Safety features like monitored alarms, updated electrical and plumbing systems, and fortified roofs can reduce the risk of severe damage and lower your premiums.

  • Increase your deductible. If you have enough savings to cover higher out-of-pocket costs in the event of a claim, this could be an easy way to save.

    • FAQ: Home insurance

    No single insurance provider has the cheapest home insurance for every homeowner in Canada. Each insurance company uses a different algorithm to estimate the risk associated with your home and sets prices based on that risk and its internal business strategy. Factors that influence home insurance pricing include your home’s replacement cost, the distance to the nearest fire station or hydrant, the statistical rate of home insurance claims in your immediate area, and your own claims history.

    Home insurance rates in Ontario vary significantly based on location/postal code, home size and condition, the age of your home and any upgrades, and other personal factors. You could pay as little as $100/month for a smaller, well-maintained home in a safe area, or as much as $200+/month for a larger home in an area prone to theft or windstorm damage. Reviewing personal quotes from a trusted source and speaking with a licensed advisor is the best way to understand your home insurance costs in Ontario. 

    No, home insurance isn’t required in Ontario the way that car insurance is. However, mortgage lenders typically require that clients maintain a valid home insurance policy for the duration of their mortgage. So, if you have a loan on your home, home insurance is effectively required—just not by provincial law. If you own your home outright with no outstanding mortgage, you’re not technically required to carry home insurance, but unless you can afford to replace the home on your own and essentially self-insure, it’s typically the most financially logical investment. 

    The most effective short-term way to lower home insurance premiums is to shop around for more competitive pricing on the coverage you currently carry. Because each insurer sets its own pricing strategy, you may be eligible for a lower rate from a different provider—especially if you qualify for a bundling discount by buying auto insurance from the same company.

    In the long term, you can reduce the cost of home insurance by avoiding unnecessary claims, installing home upgrades that improve the security and resilience of your house, and increasing the deductible you agree to pay out of pocket in the event of a claim. 

    Yes, you can change your home insurance provider at any time, but certain times may be more strategic. Switching to a new provider and canceling your old insurance mid-term may incur early cancellation fees. The most straightforward and cost-effective time to change home insurance providers is when your current policy is up for renewal and you have no outstanding claims. 

    We compare quotes from a panel of trusted Canadian insurers so you can see your options side by side and choose the best fit. Once you select a policy, it's underwritten and backed by that insurer directly—and our team is here to help you through the process from start to finish.

    Our life and health insurance works differently; those policies are underwritten by Securian Canada and distributed through PolicyMe.

    Like other brokers and insurance companies, we earn a commission from insurance providers when you purchase a policy through us. Using our platform is completely free—there are no added fees, and your premium isn’t higher for going through us. We only make money when we help you successfully secure coverage.

    You can file a home insurance claim through your insurance provider directly. They handle the claims process and will guide you through the next steps. You can find their claims phone number in your policy documents or on their website. If you’re having trouble finding the right contact information, our team is always happy to help point you in the right direction.

    Have a question we didn’t answer?

    Call +1 (866) 999-7457 from 9AM-5PM EST Monday to Friday or email us. Our insurance expert team is happy to help!