Find Your Best Home Insurance Company in Ontario
With so many providers available, choosing home insurance in Ontario can feel overwhelming. To make the search easier, we assembled 20+ of the province’s most popular home insurance companies for 2026, outlining what each offers and what sets it apart so you can make an informed choice.
| Home Insurance Provider | Category | Average Online Rating | Customer Satisfaction Score | Key Features |
|---|---|---|---|---|
| Square One | Direct Insurer | 4.9/5 | n/a | Plus you’ll get broad coverage for common perils, when you buy insurance online. |
| Billyard Insurance Group | Insurance Broker | 4.7/5 | n/a | Great customer service. Low quotes. Tailored insurance coverage. |
| Belairdirect | Direct Insurer | 4.2/5 | 4/5 | Buy online and track insurance claims online. |
| Pembridge | Insurance Company | 1.7/5 | n/a | Three coverage levels, with discounts based on various factors. |
| Sonnet | Direct Insurer | 4.1/5 | n/a | Quote process is easy and quick, taking about 5 minutes. Buy online. |
| Aviva | Insurance Company | 4.5/5 | 2/5 | With our claims protector option your rates won’t increase after your first claim. |
| Intact | Insurance Company | 3.6/5 | 3/5 | Comprehensive home insurance coverage through 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 | Claims made easy. Claims help available by phone or through our mobile application. |
| Economical | Insurance Company | 2.2/5 | 4/5 | Comprehensive coverage for all of your belongings and easy-to-use online services. |
| RBC | Insurance Company | 3.5/5 | 4/5 | A wide range of insurance policies, with discounts for bundling. |
| RSA Canada | Insurance Broker | 2.6/5 | n/a | A broad coverage range with 24/7 claims service. |
| SGI | Insurance Company | 2.8/5 | n/a | Prestige home insurance with comprehensive coverage options. |
| TD Insurance | Insurance Company | 4.2/5 | 3/5 | All-risk coverage with personal liability protection. |
| Wawanesa Mutual | Insurance Company | 2.0/5 | 2/5 | Available in basic, broad, and comprehensive coverage options. |
| 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 | High-value home insurance with water damage coverage. |
| Pafco | Insurance Broker | 1.7/5 | n/a | Property guarantee and residential fire policy coverage available. |
| Desjardins Insurance | Insurance Company | 2.2/5 | 2/5 | Discount for installation of a security system or certain brands. |
| Allstate | Insurance Company | 1.9/5 | 4/5 | Comprehensive coverage options and Climate Mitigation Solutions. |
Which Home Insurance Company Should You Choose?
To make the comparison more useful, we grouped the home insurance companies above into categories that can help you identify the option most closely aligned with your needs.
These recommendations reflect our research alone. Before selecting an Ontario home insurance company, carry out your own additional research or speak with a broker.
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 home insurance starting at $15/month. This provider of customizable, modern home insurance earns a 4.7 out of 5-star customer satisfaction rating and an A+ rating from the Better Business Bureau. Enjoy a digitally-enabled approach to home insurance from Square One, which makes it easy to manage your policy and resolve claims online, plus gives you access to human experts whenever you need assistance.
Square One also has a 24/7 emergency claim line that is available to provide prompt assistance to policyholders. Policies provide basic coverage for common perils including burglary, fire and windstorm, and additional coverage does not incur additional fees. Deductibles are clearly defined, and there are varying deductible options by type of loss.
Billyard Insurance Group
4.7 Star Rating on Google, as of December 2025
Key Features: excellent customer service, low quotes, tailored coverage options
An independent brokerage with 60+ Ontario locations, the Billyard Insurance Group (BIG) has earned industry awards. Through its network of trusted insurance partners, it arranges Home, Auto Life, & Business Insurance.
BIG offers property protection for houses, condos, tenants, landlords, and cottages. Prospective clients can compare competitive quotes and a range of coverage choices, while the brokerage’s customer-service approach is intended to produce comprehensive protection tailored to each client’s circumstances.
Belairdirect
4.2 Star Rating on Google, as of December 2025
Key Features: offers online claim tracking
Founded in 1955, Belairdirect first sold insurance in Ontario and Quebec before expanding across Canada. The company says it has served over a million customers in 60 years. Its standard coverage addresses risks such as theft, fire, vehicle collisions, and storm damage. An all-risk option extends protection to personal property away from the home and accidental events—for example, knocking over a television—and liability coverage is included as standard in its policies.
When a customer has a claim, our website helps them keep track of the claim to make the process as easy as possible. Claims can also be made by website, mobile app or by phone. Customers can save on home insurance by combining it with auto insurance or participating in our group program using Belairdirect, Belairdirect tells its customers exactly what it’s going to cost them which makes finding ways to save easier. Some of the optional coverages from Belairdirect are identity theft, flooding from an above ground pool and fire coverage after an earthquake.
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 three levels of property insurance coverage for homeowners, tenants, and condo owners: Comprehensive, Brand Form, and Named Perils coverage. Comprehensive coverage includes replacement cost coverage and provides coverage for the dwelling as well as the contents against all risks. Broad Form coverage provides coverage for a wide range of risks to the dwelling, but only against named perils, such as fire and theft, for contents. Replacement cost coverage is included. Named Perils coverage provides coverage to the dwelling and contents against certain perils such as fire, theft, etc.
Pembridge also sells optional protection for sewer backup, personal articles (e.g., jewelry), and a home-based business. Its policies address legal liability, living expenses while a home is being repaired, and 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)
With quotes available in as little as 5 minutes and a streamlined, easy-to-use website to make the process a breeze, it’s no surprise that buying insurance has never been easier. Established in 2016, Sonnet was Canada’s first fully-online home and auto insurance company. As a member of the Economical Insurance family, Sonnet provides Canadians with quotes for home and auto insurance. With state-of-the-art technology and data analysis, Canadians can purchase insurance from the convenience 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 insurance provider and Canada’s second-largest insurer. One of the country’s best-known insurance brands, it employs 4,000 people and covers 3 million clients. The company supports charities and community events as part of its aim to contribute positively to local communities. Its customer-service model also includes refunds for customers who are dissatisfied with their coverage.
Aviva also offers auto, life, business, home, and a host of other kinds of insurance. The company insures over 860,000 homes throughout Canada. Aviva offers discounts for new construction, bundling your policies, smoking status, and security systems, as well as additional coverage for floods (overland flooding), earthquakes, and other specific perils. Aviva makes it easy to file a claim by offering a 24-hour claims reporting line and claims protector, which maintains your rates after your first claim. Other services include replacement of damaged appliances with eco-friendly ones.
Intact
3.6 Star Rating on Google, as of December 2025
Key Features: Comprehensive home insurance coverage, tailored policies
With roots dating to 1809, Intact Insurance has grown into one of Canada’s largest providers of home, vehicle, and business insurance. It now covers over five million people and businesses nationwide through a broad product range. Its customizable homeowners policies recognize that each property has different needs, allowing protection for the building, personal property, and liability to be tailored for the individual homeowner.
Flexibility is a central feature of Intact’s home insurance. A homeowner can select anything from basic protection to a more extensive policy and may add options such as identity theft and personal liability coverage to suit both needs and budget. Policies can be managed online, and 24/7 support is available for claims and questions. Intact also promotes a prompt claims process and offers potential savings for qualifying home-safety features or by bundling home and auto insurance.
The Personal
2.9 Star Rating on Google, as of December 2025
Key Features: All-risk coverage, digital claims
The Personal’s home insurance policies cover everything from fire to theft to vandalism. For an additional charge, policyholders can add features like extra water damage coverage, including seepage and sewer backup. Other options include identity theft assistance, which is included with standard coverage. The company makes it easy for its policyholders to monitor the status of their claims. The Personal also offers discounts for homes with monitored burglar alarms, as well as discounts to encourage the installation of state-of-the-art leak-detection devices to protect against accidental water damage.
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 began in 1945 as a collection of 44 credit unions, co-ops, and farm organizations. It has since expanded into life, auto, business, travel, and property insurance through several organizations. The largest, Co-operators General Insurance, sells property and casualty coverage through 385 exclusive brokers.
Co-operators covers hundreds of thousands of properties and offers broad protection that may include identity theft, unauthorized credit and debit card use, and full coverage during a move. Technology plays a visible role in its service, including tools for comparing home insurance rates. The company also uses credit checks and may offer lower prices to customers with good credit. Corporate Knights has named Co-operators among the country’s 50 best “corporate citizens.” Its claims hotline provides assistance, with customers kept informed as a claim moves forward.
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, a one of the top auto and property insurance companies in Canada, was founded in 1871 and is based in Waterloo, Ontario.
On its website, Economical explains property coverage choices that include personal property and identity theft protection, along with steps policyholders can take to pursue competitive and reasonable rates. People needing help after severe weather are directed to the company’s online claims service and its 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) serves over five million insurance clients, making it the largest bank-owned insurance provider. Founded in Halifax in 1864, RBC has a long history as a major Canadian business and has since developed a substantial international presence.
Alongside a wide selection of insurance policies, RBC provides bundling discounts. Its property options extend beyond a primary residence to seasonal homes, second homes, and rental properties. The company emphasizes advice without sales pressure, allowing customers to learn about the available policies before choosing. Claims can be reported through a twenty-four-hour hotline that accepts free collect calls, while agents at its branch offices can help customers obtain copies of their paperwork.
RSA Canada
2.6 Star Rating on Google, as of December 2025
Key Features: offers a wide cover range, 24/7 claims service
RSA Canada, a subsidiary of RSA Insurance Group Limited, is one of Canada’s largest property & casualty insurers, insuring nearly a million cars and over half a million homes in Canada. We offer Home, Auto, Business, Marine, and Travel insurance products.
RSA offers a wide range of personal insurance products aimed at homeowners, landlords, and tenants. The company’s Home Business and Landlordshield policies offer a more specialised service than those of other insurers. Tenantshield offers comprehensive cover for belongings and bodily injuries.
SGI
2.8 Star Rating on Google, as of December 2025
Key Features: prestige home insurance, comprehensive coverage options
SGI CANADA’s specialized house-insurance choices include Prestige home insurance for high-value properties. The provider highlights comprehensive options intended to accommodate different homeowner needs, with policies offering protection against a broad range of possible risks and property damage.
SGI CANADA positions itself as a dependable, customer-focused provider, with solutions tailored to different kinds of homes. For high-value properties, its Prestige home insurance is notable for enhanced coverage limits and added benefits. More broadly, its house-insurance approach centres on extensive protection against a variety of risks, reflected in detailed policies designed around customer needs.
TD Insurance
4.2 Star Rating on Google, as of December 2025
Key Features: all-risk coverage, personal liability protection
TD Insurance’s flexible home-insurance lineup includes its distinctive Million Dollar Solution®. This approach combines coverage for the home, belongings, and additional living expenses in a form intended to provide both flexibility and wide protection. Following a covered claim that leaves the home uninhabitable, the policy covers repair or replacement costs as well as extra living expenses. TD’s all-risk coverage protects the home and belongings against many incidents, apart from losses the policy expressly excludes.
Water damage coverage helps protect you from water-related damage caused by problems with heating and plumbing systems and appliances. For protection from hazards like sewer backups and overland water, opt-in to our Extended Water Damage Coverage. TD Insurance policies are customizable. For more protection, consider adding other coverage, including Above-ground Water Coverage and Settle Your Way options. We can add coverage for Personal Valuables and Identity Theft Recovery, too. And our Personal Umbrella add-ons give you greater liability limits while Home-sharing add-ons help with home-sharing concerns.
Wawanesa Mutual
2.0 Star Rating on Google, as of December 2025
Key Features: offers basic, broad, and comprehensive coverage plans
Wawanesa offers three main home-insurance plans—Basic, Broad, and Comprehensive—to accommodate different properties and belongings. Also called “Standard” or “Named Peril” coverage, the Basic plan protects against specified events such as water damage, fire and smoke, hail, wind and lightning, glass breakage, explosion, vandalism, and theft.
The Broad plan treats buildings and contents differently: for buildings (home, shed, garage), it identifies events that are not covered, while for contents it specifies the covered events. The Comprehensive Plan, also called “Special” or “All Risk,” covers every event except stated exclusions 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 specifically designs its home insurance for luxury and high-value properties, providing flexibility and protection beyond a typical policy. Features may include extended—or even unlimited—replacement cost coverage, contents protection without depreciation, and the choice of a cash settlement following a total loss. Policyholders can also receive concierge-style support through complimentary home appraisals, risk consultations, and a dedicated Masterpiece claims adjuster. This combination is aimed at high-net-worth homeowners seeking premium coverage and 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
Gore Mutual Insurance Company, based in Cambridge, Ontario, has maintained a foundation of financial strength for more than 180 years and is among Canada’s earliest property and casualty insurers.
Gore Mutual has some specialty products that might interest you, including high-value home insurance and water coverage. Gore Mutual’s standard home insurance covers your building, your belongings, additional living expenses, personal liability, and identity theft. High-value home insurance has a higher level of protection. This insurance covers most of what’s in regular home insurance, plus scam coverage, home invasion protection, loss prevention, and green building materials.
Gore Mutual also offers protection designed specifically for water damage. Its basic water-damage coverage is limited to sewer damage, while the comprehensive water protection plan also addresses failed service lines, sewer backups, and overland water. As severe weather and global warming increase the possibility of major losses for Canadian homeowners, this broader plan may help protect a property from those events.
Pafco Insurance
1.7 Star Rating on Google, as of December 2025
Key Features: offers property guarantee, residential fire policy coverage
Part of the Allstate Insurance Company, Pafco Insurance is a Canadian provider specializing in products such as residential fire policy coverage. That option protects specifically against fire risk and is available to owners of rental or vacation homes. Pafco also offers homeowners a property guarantee stating that repair materials and workmanship will meet commonly accepted home-repair industry standards. If they do not, the company will correct the problem for as long as the policyholder owns the 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 Insurance offers insurance policies for houses, condominiums, and apartments. Its plans insure against most risks, and it’s easy to add protection against other risks to a standard home insurance policy. Desjardins is a network of Canadian credit unions offering insurance and financial services. Beginning with the creation of its first subsidiary group in 1944, Desjardins started its evolution into the organization it is today and grew to include twenty subsidiary groups. Desjardins became the second-largest property and casualty insurer in Canada with its 2015 acquisition of State Farm Canada.
Desjardins uses technology to make service more accessible. Customers can report a claim through its website, phone line, or mobile app; the app can also simplify policy updates and warn users about severe weather, flooding, and other hazards. Available discounts may recognize claims-free status, bundled policies, security systems—including certain brands—and systems that monitor flooding or frozen pipes.
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 a number of customized Home Insurance Plans to suit the lifestyle of our customers. Allstate understands the amount of hard work it takes to make a house a home and we want to ensure that whether you’re a first-time buyer or an experienced homeowner your house and possessions are protected. Allstate Home Insurance provides coverage for your dwelling and attached structures, other personal structures on the property (detached structures), liability protection, as well as coverage for your personal valuables against a number of perils.
Allstate’s additional options include protection for earthquake damage, personal belongings, water, home-business needs, and property kept in storage. Claim Forgiveness prevents the rate from increasing after a reported insurance claim, while the Disappearing Deductible reduces the deductible after each claim-free term until it disappears.
Methodology for Selecting Top Home Insurance Companies
Our team considers the things that matter most to homeowners when determining which companies deserve a spot on this list. Selecting the right home insurance company is an important decision that can influence your financial security and peace of mind. Here’s a look at the methodology we use to help you choose the right company.
Customer Ratings & Satisfaction Rate
Customer Reviews: We examined customer reviews and testimonials as indicators of satisfaction and trustworthiness.
Coverage Options and Policy Flexibility
- Variety of Plans: We favoured insurers with a broad selection of coverage, including basic, broad, and comprehensive plans, so homeowners with different needs have suitable choices.
- Customization: Another important measure was whether policyholders can adapt protection to their circumstances, including optional coverage for flood, earthquake, or special valuables.
Pricing and Discounts
- Competitive Pricing: To determine whether rates were competitive, we examined each company’s pricing structure and compared similar coverage plans among providers.
- Discount Opportunities: We also considered savings for bundling, loyalty, remaining claims-free, and installing a security system because these discounts can materially reduce a homeowner’s insurance expense.
- Buying Online: Since it is 2026 and more Ontarians are purchasing insurance policies online, our ranking gives greater weight to insurers that provide an online buying option.
Customer Service and Claims Process
- Accessibility: We favoured companies with strong customer-service networks, including 24/7 support and online platforms that are easy to use.
- Claims Efficiency: Greater weight went to insurers known for claims handling that is straightforward, prompt, and fair, based on our assessment of how easy and efficient the process is.
Additional Benefits and Features
Innovative Features: We considered distinctive or newer offerings, including online claim tracking, environmentally friendly choices, and discounts tied to advanced home monitoring.
Continuous Monitoring and Updating
Ongoing Review: Because the insurance market continues to change, we monitor the list and update it when significant developments occur, including mergers, revised policies, or new market entrants.
This detailed, multi-factor method is meant to identify home insurance companies that combine strong coverage and service with the varied priorities of homeowners. By presenting that information clearly, we hope to help consumers make well-informed home-insurance decisions.