Own or rent, protect your place and everything in it.
A burst pipe, a kitchen fire, a break-in — home insurance exists for the moments you don't plan for. Most mortgage lenders require it, and even if you own outright, rebuilding from scratch out of pocket is a cost very few people can absorb.
Tell us what you need and we'll connect you with a licensed insurance advisor. Talking to an advisor carries no obligation.
Most policies cover the building, your belongings, extra living costs if you can't live at home after a covered loss, and your liability if someone is hurt on your property. The exact coverage and limits depend on the policy.
Your landlord's policy usually covers the building, not your belongings or your liability. Tenant insurance covers your own things and liability, and many landlords ask for proof of it.
Standard policies usually exclude flooding from outside the home, such as overland water, and often sewer backup. These are usually optional add-ons, and in very high-risk areas insurers may not offer flood coverage at all. Ask what's included and what the deductible is.
Replacement cost pays what it costs to replace an item new. Actual cash value pays the item's value after depreciation, which is usually less. Policies can treat the building and your belongings differently, so check which applies.
Go room by room and estimate what it would cost to replace each thing new today, not what you could sell it for. Our home contents calculator helps you add it up, and the total gives you a number to compare with your policy's contents limit.
Pick your province or territory for a plain-language overview of how insurance works there.