Find Your Best Home Insurance Company in Ontario
Deciding which home insurance provider to choose in Ontario can be difficult, with so many options. To help with your search, we have compiled a list of 20+ most popular home insurance companies in 2026 to make sure you can understand the offerings and unique selling points of each one and make an educated decision.
| Home Insurance Provider | Category | Average Online Rating | Customer Satisfaction Score | Key Features |
|---|---|---|---|---|
| Square One | Direct Insurer | 4.9/5 | n/a | Purchase online and get comprehensive protection against common perils, easy online claim process |
| Billyard Insurance Group | Insurance Broker | 4.7/5 | n/a | Excellent customer service, low quotes, tailored coverage options |
| Canadian Auto Association (CAA) | Insurance Company | 2.8/5 | n/a | Offers complete coverage for personal belongings |
| Belairdirect | Direct Insurer | 4.2/5 | 4/5 | Offers online claim tracking and buy online available |
| Pembridge | Insurance Company | 1.7/5 | n/a | Offers three levels of coverage, discounts for various factors |
| Sonnet | Direct Insurer | 4.1/5 | n/a | Quick and easy quote generation (in about 5 minutes) and purchase online |
| Aviva | Insurance Company | 4.5/5 | 2/5 | Claims protector option to avoid higher rates after the first claim |
| Intact | Insurance Company | 3.6/5 | 3/5 | Comprehensive home insurance coverage, tailored policies |
| The Personal | Insurance Company | 2.9/5 | n/a | All-risk coverage, digital claims |
| Co-operators | Insurance Company | 3.0/5 | 5/5 | Easy claims process assistance through mobile app and hotline |
| Economical | Insurance Company | 2.2/5 | 4/5 | Offers comprehensive coverage for personal properties, user-friendly online services |
| RBC | Insurance Company | 3.5/5 | 4/5 | Offers a wide range of insurance policies with bundling discounts |
| RSA Canada | Insurance Broker | 2.6/5 | n/a | Offers a wide cover range, 24/7 claims service |
| SGI | Insurance Company | 2.8/5 | n/a | Prestige home insurance, comprehensive coverage options |
| TD Insurance | Insurance Company | 4.2/5 | 3/5 | All-risk coverage, personal liability protection |
| Wawanesa Mutual | Insurance Company | 2.0/5 | 2/5 | Offers basic, broad, and comprehensive coverage plans |
| Chubb Insurance | Insurance Broker | 2.6/5 | n/a | Coverage for high-value homes |
| Gore Mutual Insurance Company | Insurance Broker | 2.4/5 | n/a | Offers high-value home insurance, water damage coverage |
| Pafco | Insurance Broker | 1.7/5 | n/a | Offers property guarantee, residential fire policy coverage |
| Desjardins Insurance | Insurance Company | 2.2/5 | 2/5 | Offers discounts for installing security systems and specific brands |
| Allstate | Insurance Company | 1.9/5 | 4/5 | Comprehensive coverage options, climate Mitigation Solutions, |
Which Home Insurance Company Should You Choose?
In our effort to help you make the right decision, we’ve categorized the above home insurance companies so you can learn which one best suits your needs.
Please note that the recommendations below are based purely on our research. We advise you to conduct further research or consult with a broker before making a decision on which home insurance company to choose in Ontario.
Square One
4.9 Star Rating on Google, as of December 2025
Key Features: comprehensive protection against common perils, easy online claim process
Square One Insurance Services offers a modern and customizable approach to home insurance, with policies starting as low as $15/month. Their commitment to customer satisfaction is evident in their 4.7 out of 5-star rating and A+ rating from the Better Business Bureau. Square One’s digital platform simplifies the insurance process, allowing customers to manage their policies and claims online while also providing access to expert assistance when needed.
Their policies offer comprehensive protection against common perils like break-ins, fires, and windstorms as standard, without extra charges. Policy deductibles are clear and straightforward, with various options available depending on the type of loss. Square One also stands out for its 24/7 emergency claim line, ensuring prompt emergency response and support.
Billyard Insurance Group
4.7 Star Rating on Google, as of December 2025
Key Features: excellent customer service, low quotes, tailored coverage options
The Billyard Insurance Group (BIG) is an award-winning Independent Insurance Brokerage with 60+ locations across Ontario. They offer Home, Auto Life, & Business Insurance from their network of trusted insurance partners.
BIG’s property insurance provides protection for homes, condos, tenants, landlords, and cottages. They offer future clients competitive quotes and excellent coverage options. With their well-known customer service, you can expect comprehensive, personalized coverage tailored to your specific needs.
Canadian Auto Association (CAA)
2.8 Star Rating on Google, as of December 2025
Key Features: offers complete coverage for personal belongings
CAA (Canadian Automobile Association) was originally founded in 1913 as a non-profit association of eight automobile clubs. The company has since grown to 180,000 members, offering a variety of insurance packages, including travellers’ and home insurance. CAA has recently expanded its home insurance coverage, focusing on providing value in its products.
The company focuses on offering complete coverage for personal belongings, covering the replacement cost of electronics and appliances. They offer optional coverage for service lines, groundwater flooding, and overland water flooding. CAA provides a number of discounts, including being over 45, being claims-free for 3 years, having an alarm, and being mortgage-free. They offer a discount for CAA membership, including complimentary tire and legal coverage when bundling home and auto policies.
Belairdirect
4.2 Star Rating on Google, as of December 2025
Key Features: offers online claim tracking
Belairdirect was founded in 1955 and initially offered insurance products in Ontario and Quebec. It has since grown to serve all of Canada, with the company boasting of having served over a million customers in 60 years. Belairdirect offers a standard level of coverage that protects you against risks such as theft, fire, vehicle collisions, and storm damage. They also provide an all-risk form of coverage that offers additional protection for damage to personal property outside of your home and for accidental damage, such as if you knock over your television. Their insurance policies include liability coverage as standard.
Belairdirect offers optional coverage for identity theft, flooding from above-ground pools, and fire damage following an earthquake. Belairdirect makes saving easy by clearly listing the cost of insuring your home. They also offer easy ways to get discounts, such as bundling your home and auto insurance. They will even give you a discount if you are part of a group program that uses Belairdirect. They strive to make the claims process simple, allowing you to track it on their website. Customers can submit claims through their website, mobile app, and their claims hotline.
Pembridge
1.7 Star Rating on Google, as of December 2025
Key Features: offers three levels of coverage, discounts for various factors
Pembridge Insurance offers a range of property insurance options for homeowners, tenants, and condominium owners. They offer three distinct levels of coverage: Comprehensive, Broad Form, and Named Perils. The Comprehensive coverage includes dwelling and contents for all risks, with replacement cost benefits. Broad Form covers the dwelling for a wide range of risks and contents for specific perils, such as fire and theft, and also offers replacement cost. Named Perils coverage is more specific, covering the dwelling and contents only for particular perils such as fire and theft.
Pembridge also provides additional coverage options for purchase, including sewer backup, personal articles floating (e.g., jewelry), home-based business, and more. Their policies cover various aspects, including legal liability, living expenses during home repairs, and protection against perils such as explosion, fire, theft, and water damage.
Sonnet
4.1 Star Rating on Google, as of December 2025
Key Features: quick and easy quote generation (in about 5 minutes)
Founded in 2016 as Canada’s first fully online home and auto insurance company, Sonnet prides itself on generating quotes in as little as 5 minutes through a sleek, user-friendly website that is easy to navigate. Sonnet is part of the Economical Insurance family and they provide insurance quotes for home and auto, using data analytics and sophisticated technology, it provides a new and innovative way for Canadians to purchase their insurance from the comfort of their own home.
Aviva
4.5 Star Rating on Google, as of December 2025
Key Features: claims protector option to avoid higher rates after first claim
Aviva is a London-based banking and insurance provider, and it is the second-largest insurer in Canada. The company is one of the best-known insurance providers in Canada, employing 4,000 people and insuring 3 million clients. The company prides itself on being a positive force in local communities, donating to charities and community events. Aviva’s business model focuses on customer service, with it offering refunds to customers who are not happy with their coverage.
Aviva provides auto, life, business, and home insurance, among many other forms of insurance. They insure over 860,000 homes in Canada. Aviva offers discounts for non-smokers, newer homes, bundling policies, and for installing a burglary alarm. They offer a wide range of optional coverage options that cover customers from everything from earthquakes to overland flooding. Aviva makes the claims-filing process easy with its 24-hour hotline. They protect their customers by offering a claims protector option that lets them avoid higher rates after their first claim. They will even replace their customers’ appliances with eco-friendly products.
Intact
3.6 Star Rating on Google, as of December 2025
Key Features: Comprehensive home insurance coverage, tailored policies
Intact Insurance, from 1809, has evolved into one of Canada’s largest providers of home, vehicle, and business insurance. Today, Intact insures over five million individuals and businesses nationwide, offering a wide range of insurance products. For homeowners, Intact provides comprehensive home insurance policies that are customizable to meet each homeowner’s unique needs. Understanding that every home is different, Intact offers tailored coverage options to ensure homeowners have the protection they need. Whether it’s coverage for the building, personal property, or liability, Intact’s policies are designed to provide peace of mind.
One of the standout features of Intact’s home insurance is its flexible coverage options. Homeowners can choose from basic coverage to more extensive policies, including additional protections such as identity theft and personal liability. This allows homeowners to tailor their Insurance to their specific needs and budget. In addition to flexible coverage options, Intact is known for its excellent customer service. Policyholders can manage their policies online and access 24/7 support for claims and inquiries. The company’s commitment to customer satisfaction is evident in its quick and efficient claims process, ensuring that policyholders receive the support they need when they need it.
Intact also offers discounts for various home safety features and for bundling home and auto insurance, providing additional savings for homeowners.
The Personal
2.9 Star Rating on Google, as of December 2025
Key Features: All-risk coverage, digital claims
The Personal’s home insurance offers broad, all-risk protection designed for homeowners who want strong coverage with modern digital convenience. Policies include protection against significant losses like fire, theft, and vandalism, with the option to add enhanced water damage coverage, including sewer backup and seepage. The Personal also rewards homeowners who invest in safety, offering discounts on monitored security systems and smart leak-detection devices. With built-in identity theft assistance and mobile-friendly claims tracking, it’s a solid choice for policyholders who value both protection and ease of use.
Co-operators
3.0 Star Rating on Google, as of December 2025
Key Features: offers expansive coverage, including identity theft and unauthorized credit/debit usage
Co-operators was founded in 1945 as a group of 44 credit unions, co-ops, and farm organizations. The company has since grown to offer life, auto, business, travel, and property insurance. The company comprises several organizations. Their largest group is Co-operators General Insurance, which offers property and casualty insurance. The group provides its insurance products through a group of 385 exclusive brokers.
Co-operators insures hundreds of thousands of properties, offering policies with expansive coverage, including identity theft, unauthorized credit and debit card use, and full coverage while moving. The company is known for its use of technology to assist its customers. It offers tools to compare different home insurance rates. They also use credit check,s with them offering cheaper rates to customers with good credit. Co-operators is considered one of the country’s 50 best “corporate citizens” by the business review group Corporate Knights. Co-operators offers claims assistance through its hotline, with a policy of keeping customers updated on claim progress.
Economical
2.2 Star Rating on Google, as of December 2025
Key Features: Offers comprehensive coverage for personal properties, user-friendly online services
Economical Insurance is one of the leading auto and property insurance providers in Canada. The company was founded in 1871 and is currently headquartered in Waterloo, Ontario.
Economical’s website provides detailed information about coverage options for your properties, including personal property and identity theft. They also outline what policyholders need to do to secure the best and most reasonable insurance rates. The company also helps individuals seeking support due to severe weather conditions, directing them to their online claims service and 24/7 customer support line.
RBC
3.5 Star Rating on Google, as of December 2025
Key Features: offers a wide range of insurance policies with bundling discounts
RBC (Royal Bank of Canada) offers insurance to over five million clients, making it the largest bank-owned insurance provider. RBC is the most significant business in Canada, with its long history dating back to its founding in Halifax in 1864. The company has expanded into the international market, with a significant footprint overseas.
RBC offers nearly every type of insurance policy and discounts for bundling policies. They offer insurance for seasonal, second homes, and rental properties in addition to their primary home insurance. RBC prides itself on providing no-pressure insurance advice, informing you of its dynamic range of insurance policies without pushing sales. RBC makes it easy to file a claim by offering a twenty-four-hour hotline with free collect calls. RBC makes it easy to retrieve copies of paperwork with agents who can assist you from one of their many branch offices.
RSA Canada
2.6 Star Rating on Google, as of December 2025
Key Features: offers a wide cover range, 24/7 claims service
RSA(Royal & Sun Alliance) Canada, a part of RSA Insurance Group Limited, is one of Canada’s largest property & casualty insurance companies. They insure nearly a million cars and over half a million homes in Canada. RSA covers the broadest range of Home, Auto, Business, Marine and Travel Insurance products.
RSA’s personal insurance, particularly for homeowners, landlords, and tenants, provides an extensive selection of coverage options. Their Tenantshield product even covers personal possessions and bodily injuries. The Home Business and Landlordshield products, in particular, offer more specialized services than those of other insurers.
SGI
2.8 Star Rating on Google, as of December 2025
Key Features: prestige home insurance, comprehensive coverage options
SGI CANADA offers a specialized house insurance product, including Prestige home insurance, tailored for high-value homes. This insurance provider emphasizes comprehensive coverage options to meet the diverse needs of homeowners. Their house insurance policies are designed to provide peace of mind by covering a wide range of potential risks and property damage.
SGI CANADA has established itself as a reliable insurance provider, focusing on customer satisfaction and offering tailored solutions for different types of homes. Their Prestige home insurance is particularly noteworthy for homeowners with high-value properties, offering enhanced coverage limits and additional benefits. The company’s approach to house insurance is centred around providing extensive protection, ensuring that homeowners can feel secure in the knowledge that their property is well-protected against various risks. SGI CANADA’s commitment to offering quality insurance products is evident in its detailed and customer-focused policies.
TD Insurance
4.2 Star Rating on Google, as of December 2025
Key Features: all-risk coverage, personal liability protection
TD Insurance provides versatile home insurance options featuring the unique Million Dollar Solution®. This innovative approach offers comprehensive coverage for your home, belongings, and additional living expenses, ensuring flexibility and extensive protection. The policy covers repair or replacement costs, as well as extra living expenses, if your home is uninhabitable due to a covered claim. Key features of TD Insurance include all-risk coverage and safeguarding your home and belongings against a wide range of incidents, except those explicitly excluded in the policy.
Water damage coverage is a significant aspect that addresses interior damage from systems such as heating, plumbing, and appliances. The Extended Water Damage Coverage further enhances protection against external threats, such as sewer backups and overland water. TD Insurance allows policy customization with optional add-ons like Above-ground Water Coverage, Settle Your Way options, Personal Valuables Coverage, Identity Theft Recovery, Personal Umbrella for increased liability limits, and Home-sharing coverage for short-term rentals.
Wawanesa Mutual
2.0 Star Rating on Google, as of December 2025
Key Features: offers basic, broad, and comprehensive coverage plans
Wawanesa offers a range of home insurance options to meet the diverse needs of homeowners, regardless of the size and scope of their property and belongings. They offer three main types of coverage plans: Basic, Broad, and Comprehensive. The Basic plan covers specific events like water damage, fire and smoke, hail, wind and lightning, glass breakage, explosion, vandalism, and theft. This plan is also known as “Standard” or “Named Peril” coverage.
The Broad plan offers a mixed approach, treating buildings and contents differently. For buildings (home, shed, garage), it lists the events not covered, while for contents, it specifies the covered events. The Comprehensive Plan, also referred to as “Special” or “All Risk,” covers all events except those explicitly excluded, such as terrorism, war, nuclear events, business or farming operations, vacancy over 30 days, and wear and tear.
Chubb Insurance
2.6 Star Rating on Google, as of December 2025
Key Features: high-value home insurance, luxury protection
Chubb’s home insurance is designed explicitly for high-value and luxury properties, offering an exceptional level of protection and flexibility that goes far beyond standard home insurance policies. With extended or even unlimited replacement cost coverage, no-depreciation contents protection, and the option for a cash settlement after a total loss, Chubb provides homeowners with unmatched financial security. Policyholders also benefit from concierge-level service, including complimentary home appraisals, risk consultations, and a dedicated Masterpiece claims adjuster. It’s an ideal choice for high-net-worth homeowners who want elite coverage with white-glove service.
Gore Mutual Insurance Company
2.4 Star Rating on Google, as of December 2025
Key Features: offers high-value home insurance, water damage coverage
Built on a foundation of financial strength for more than 180 years, Gore Mutual Insurance Company is one of Canada’s first property and casualty insurance companies, based in Cambridge, Ontario.
Gore Mutual’s special products might interest you: high-value home insurance and water coverage. High-value home insurance offers greater protection than standard home insurance. While their regular home insurance covers buildings, belongings, additional living expenses, personal liability, and identity theft, their high-value home insurance adds scam protection, coverage for home invasions, loss prevention, eco-friendly building materials, and most of the features of their regular home insurance.
Gore Mutual also provides specialized insurance services for water damage. Their basic water damage insurance covers only sewer damage, but their comprehensive water protection plan extends to failed service lines, sewer backups, and overland water. Given the increasing risks of global warming and severe weather events, which are causing significant loss and damage to Canadian homeowners, this plan could be an excellent way to safeguard your property from disasters.
Pafco Insurance
1.7 Star Rating on Google, as of December 2025
Key Features: offers property guarantee, residential fire policy coverage
Pafco Insurance is a Canadian insurance provider and part of the Allstate Insurance Company. They offer specialized insurance products, such as residential fire policy coverage, which specifically protects against fire risk. This option is available to owners of rental or vacation homes. They also provide a property guarantee for homeowners, guaranteeing that the materials and workforce will meet common quality standards in the home repair industry. If materials or workforce won’t qualify the industry standards, they will fix it for you as long as you own your home.
Desjardins Insurance
2.2 Star Rating on Google, as of December 2025
Key Features: offers discounts for installing security systems and specific brands
Desjardins is a network of Canadian credit unions that provide insurance and financial services. The company began moving towards its current business structure following the creation of its first subsidiary group in 1944. The company has since grown to include twenty subsidiary groups. Their acquisition of State Farm Canada in 2015 made Desjardins the second-largest property and casualty insurer in Canada. Desjardin Insurance provides home, condo, and apartment insurance. Their policies cover most risks, making it easy for customers to add optional risk coverage to their standard home insurance plan.
Desjardins makes it simple for customers to get discounts. They offer discounts for installing security systems, with them offering additional discounts for installing specific brands. They offer discounts for installing a system that detects flooding and frozen pipes, for being claims-free, and for bundling policies. Desjardin prides itself on its use of technology. Their mobile app will alert customers to dangerous weather systems, flooding, and other risks. It also makes updating one’s policy simple. Customers can file a claim through their website, hotline, and mobile app.
Allstate
1.9 Star Rating on Google, as of December 2025
Key Features: Comprehensive coverage options, Climate Mitigation Solutions, Online policy management
Allstate Canada offers quality home insurance coverage tailored to meet the unique needs of homeowners. Recognizing the effort it takes to make a house a home, Allstate provides policies as unique as each homeowner’s lifestyle. Whether you’re a first-time buyer or an experienced homeowner, Allstate works to ensure the best protection for your property. Coverage options include protection for your dwelling and attached structures, detached private structures, liability coverage, and personal property. This ensures that both your home and valuable belongings are safeguarded against various risks.
Allstate stands out for its additional coverage options, including earthquake damage, personal items, water protection, home business needs, and property in storage. Their Claim Forgiveness policy means your rates won’t increase after reporting an insurance claim. The Disappearing Deductible feature reduces your deductible each term you go without a claim, until it disappears.
Methodology for Selecting Top Home Insurance Companies
Our methodology for selecting the top home insurance companies is comprehensive and customer-centric, focusing on the most important factors to homeowners. We understand that choosing the right home insurance provider is critical to financial security and peace of mind. Here’s how we approached the selection process:
Customer Ratings & Satisfaction Rate
- Customer Reviews: Customer reviews and testimonials were considered to gauge satisfaction and trustworthiness.
Coverage Options and Policy Flexibility
- Variety of Plans: We looked for companies offering diverse coverage options. This includes basic, broad, and comprehensive plans, ensuring that there’s something for every homeowner’s needs.
- Customization: The ability of policyholders to tailor their coverage to their specific needs was also a key criterion. This includes options for additional coverages such as flood, earthquake, or special valuables.
Pricing and Discounts
- Competitive Pricing: We analyzed pricing structures across companies to ensure they offer competitive rates. This involved comparing similar coverage plans across different providers.
- Discount Opportunities: Availability of discounts such as bundling, loyalty, claims-free, and security system installation was also considered, as these can significantly lower insurance costs for homeowners.
- Buying Online: It’s 2026, and more and more Ontarians are flocking online to purchase their insurance policies, so our list is weighted to favour insurers that offer this option.
Customer Service and Claims Process
- Accessibility: Companies with a strong customer service network, including 24/7 support and easy-to-use online platforms, were favoured.
- Claims Efficiency: We evaluated the efficiency and ease of the claims process. Companies with a reputation for a hassle-free, quick, and fair claims process were given higher importance.
Additional Benefits and Features
- Innovative Features: We looked for companies offering unique or innovative features such as online claim tracking, eco-friendly options, or advanced home monitoring discounts.
Continuous Monitoring and Updating
- Ongoing Review: The insurance market is dynamic, and we commit to continuously monitoring and updating our list to reflect any significant changes, such as mergers, policy changes, or new entrants.
By employing this thorough and multifaceted approach, we aim to provide a list of home insurance companies that not only offer quality coverage and service but also align with homeowners’ diverse needs and preferences. Our goal is to empower consumers with information that helps them make informed decisions about their home insurance.