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Compare and purchase the best
home insurance rates in Ontario.

Compare and purchase the best
home insurance
rates in Ontario.

Get free & accurate quotes from Canada’s top home insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.
Get free & accurate quotes from Canada’s top home insurance providers. In just a few minutes, our quoter can unlock discounts that can have you saving hundreds of dollars a year on average.
Type of Coverage We Provide
Comparing rates from Canada's leading Insurance Providers

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Ontario home insurance rates vs. other provinces

Being the biggest population in Canada, Ontario has a wide range of places you can live, and your postal code plays a factor when getting insurance. Make sure you have the coverage you need at a price you can afford. Start a free quote with us now to find out how much you could save!

Province

Average Rates

Ontario

$1,797

Alberta

$2,304

Nova Scotia

$2,788

New Brunswick

$2,402

Newfoundland & Labrador

$2,513

Prince Edward Island

$1,145

Manitoba

$1,335

British Columbia

$2,389

Yukon

$1,830

Nunavut

$3,516

Saskatchewan

$1,873

Northwest Territories

$3,367

See how our customers save big on home insurance

At Surex, we’re dedicated to helping you find the right insurance for the best price. We do all the heavy lifting for you, so you can be sure you’re getting the lowest possible rate. Check out how we’ve helped these Ontario homeowners save on home insurance.

Customer

City

Type

Average Rate

Lowest Rate

Savings

Home Insurance in Ontario - What You Need to Know

You will need the following information to ensure quote accuracy:

  • Square footage of your home
  • Year your home was built
  • Details on any upgrades or modifications
  • Your exact address
  • Your personal home insurance claims history

Home insurance prices in Ontario are determined by a few key factors:

  • Insurance data - The home insurance carriers in your area, both city and province, will have compiled data over the years relating to the amount of home insurance claims in your area. If you’re fortunate enough to live in an area where there haven't been many claims, then your home insurance rates will be lower, all things equal, compared to someone that lives in an area where there have been frequent home insurance claims.
  • The value of your home - This is important as the company insuring your home will need to know the potential replacement cost of your home. Of course, they and you both hope they’ll never need to replace your home due to a claim.
  • Your home insurance history - Home insurers are interested in your personal, prior home insurance claims history. If applicable, be prepared to share your most recent 10 years of home insurance history. If you don’t have 10 years of home insurance history, you’ll need to disclose however many years you have.

We know a large factor in a person moving their home insurance policy from one company to another is price. Working with multiple Ontario home insurance providers allows us to give Ontarians a marketplace of options to choose from. It also allows us to be able to present clients an array of, potential, home insurance discounts they can be eligible for.

If you’re looking for ways to get affordable home insurance premiums, we have these discounts available through our insurance company partners in Ontario:

  • Good credit discount
  • Bundle discount
  • Mortgage-free discount
  • Gated community discount
  • Alarm/home security discount
  • Renewal discount
  • Claims-free discount
  • Age discount
  • Sewer back-up discount
  • New business discount
  • Flex discount
  • Loyalty discount
  • Smoke-free home discount
  • Household discount
  • Multi-lines discount
  • Occupational discount

If you think you qualify for any of the above, your Surex Personal Assistant will be happy to look into it and see how much we can save you on your home insurance rates in Ontario.

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Denae P.

Licensed Insurance Advisor

Insurance Broker
How you can save money on home insurance?

Home insurance has many factors when calculating the rates.  Plus, every home insurance company underwriters risk differently, so that is why getting to compare quotes is important. Here are a few things to keep in mind:

Advisor
Increase your deductible

Increase your deductible

This is the amount you pay towards an insurance claim, so by offering to pay a higher percentage of a future claim, your insurance company will decrease the cost of your premium. But, keep in mind you will be paying more out-of-pocket when, and if, you ever file a claim.

Bundle your insurance

Bundling always helps you save, whether it's your phone, tv, or internet! So, if you have a car, or any other insurable item, think about going with the same insurance company, who will most likely reward you with a discount!

Shop around

Always compare home insurance quotes to see what all your options are on similar policies. No two policies are the same, so comparing will let you choose what's right for you.

How it works
How it works

Get a personalized quote in minutes! We’ll help you compare multiple offers from Canada’s top insurers. Your dedicated advisor is here to help every step of the way.

Why Surex?
Why Surex?

Surex makes it easy to compare, purchase, and save up to 25% on your insurance needs. We shop the market for you, finding the best rate for the coverage you need.

Our Advisors
Our Advisors

We’ll match you with a dedicated insurance advisor who can walk you through your options, answer your questions, and help you find the right coverage at the best price.

Compare home insurance rates now!
Start an insurance quote now