Finding the right home insurance in Ontario shouldn't be complicated. Morison Insurance works with dozens of trusted insurers to compare coverage options and secure competitive rates. Whether you're protecting a family home, newly built property, or investment, our licensed brokers personalize your policy to fit your needs.
Get comprehensive protection, claims advocacy when it matters most, and bundle options that deliver real savings on home and auto insurance Ontario residents trust.
When searching for the best home insurance Ontario has to offer, choosing the right broker makes all the difference. Morison Insurance provides access to competitive home insurance quotes Ontario homeowners need, backed by personalized service you won't find at a call center.
Our dedicated brokers take time to understand your property, lifestyle, and budget, then compare policies from Canada's leading insurers to find your ideal match.
4,500+ 5-Star Reviews: Real clients, real protection, real peace of mind.
Dozens of Top Insurer Partners: We shop the market so you don't have to.
Dedicated Licensed Brokers: Not a call center. We are your personal insurance expert. Fast response times and expert guidance.
On-Site Claims Specialists: Support when you need it most. We advocate for you throughout the claims process.
Understanding your policy options helps you make informed decisions. Ontario home insurance typically includes building protection, contents coverage, and liability, but the right coverage depends on your unique situation.
Below are the core protections available through Morison Insurance, with flexibility to customize based on your home's value, location, and risk factors.
Protects your home, contents, and personal liability against most sudden, accidental losses.
Comprehensive home insurance, often called all-risk coverage, provides the broadest level of protection for your home and belongings. It covers most types of direct physical loss or damage unless specifically excluded in your policy.
What it includes:
Coverage for common perils such as fire, theft, wind, hail, and falling objects.
Property protection ensures your home and possessions are financially safeguarded from specific named perils—the unexpected events that can cause costly damage and are often required by mortgage lenders.
Covered events typically include:
Protects you if you unintentionally cause property damage or injury to others.
Personal liability coverage helps protect your financial security if an accident occurs in or around your home, or if you're found legally responsible for injuries or damages elsewhere.
Examples of coverage:
You're covered for:
Coverage for unexpected water damage, with optional add-ons for broader protection.
Water damage is one of the most common causes of home insurance claims in Ontario. Standard policies include protection for sudden and accidental leaks (like burst pipes), but you can extend coverage for larger events.
Included:
Add optional protection for:
Enhance your protection with add-ons for valuables, outbuildings, or by-law changes.
Every home is unique, and optional coverages allow you to customize your policy to fit your lifestyle and assets. Morison brokers work with top insurers to find the most cost-effective way to add these protections.
Popular options include:
Coverage options, terms, and limits vary by insurer. A Morison Insurance broker will review your profile to confirm the right fit for your home and budget.
Home insurance protects your dwelling, personal belongings, and liability if someone is injured or property is damaged. It also covers additional living expenses if you're displaced after a covered loss.
Extreme weather, theft, fires, and unpredictable events can cause devastating financial loss. Home insurance ensures you can repair, rebuild, or replace what was damaged, and maintain stability for your family during recovery.
For a home with a $500,000 replacement cost, average premiums range between $720 and $3,000 per year, depending on the location.
|
LOCATION |
AVERAGE PRICE (per year) |
|
Hamilton |
$960 - $2,400 |
|
Hagersville |
$840 - $2,160 |
|
Oakville |
$1,320 - $2,640 |
|
Ottawa |
$1,080 - $2,640 |
|
Port Dover |
$840 - $2,160 |
|
Simcoe |
$840 - $2,160 |
|
St. Catharines |
$960 - $2,280 |
|
Tillsonburg |
$720- $2,160 |
|
Toronto |
$1,440 - $3,000 |
Save time and money by combining your home insurance with other policies all in one place.
Bundling your home and auto insurance Ontario policies can unlock multi-policy discounts, simplify renewals, and give you one dedicated broker for all your coverage needs. Morison Insurance makes it easy to protect everything that matters under one roof, with competitive home insurance rates Ontario homeowners appreciate.
Home + Auto (Most Popular)
Combine your home and car insurance for one renewal date, fewer bills, and potential multi-policy savings.
Home + Umbrella Liability
Get higher liability protection beyond your standard policy for added peace of mind.
Home + Personal Articles
Protect your high-value belongings like jewellery, bicycles, or musical instruments from theft or damage.
Home + Secondary Home
Own more than one home? Bundle your primary and secondary properties for seamless protection and multi-home savings.
Home + Vacation Home
Get coverage for your seasonal or cottage property and simplify your insurance under one provider.
Discounts vary by insurer and profile. Your Morison broker will compare options to find your best value.
Your home is just one part of your life to protect. Explore related coverage options that complement your Ontario home insurance policy.
Protect your unit and upgrades. Coverage for personal belongings, improvements, and liability, while your condo corporation covers the building.
Peace of mind for renters. Protects your belongings and liability, with coverage for temporary accommodations after a covered loss.
Safeguard your rental properties. Covers your buildings, rental income, and liability, whether it's a duplex, apartment, or single-family home.
Cottage/Seasonal Home Insurance
Coverage for your getaway. Protects your seasonal or vacation property from fire, theft, and weather-related damage, even when it's unoccupied.
Personal Articles / Jewellery
Extra protection for high-value items. Insure jewellery, collectibles, or valuable equipment beyond your home's standard policy limits.
Prefer to work with a local team? Morison Insurance serves communities across Ontario with dedicated brokers who understand your region's unique insurance needs.
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The value and size of your home determine how much insurance you need. Higher value means higher coverage to rebuild or repair. You may also want optional protections like extra jewellery coverage, vacant home coverage, or sewer backup coverage. A Morison Insurance broker can help you choose the right coverage for your home.
Ontario home insurance typically covers your dwelling, personal belongings, and liability. Standard policies protect against fire, theft, wind, hail, and sudden water damage like burst pipes. Optional add-ons include overland water, sewer backup, and earthquake coverage. Your Morison broker will review your specific needs to ensure comprehensive protection.
Most home insurance policies have sub-limits for high-value items like jewelry, art, or collectibles often capping coverage at $2,000-$5,000. If your valuables exceed these limits, adding personal articles coverage ensures they're fully protected. A Morison broker can assess your needs and recommend appropriate coverage levels.
Overland water covers flooding from external sources like heavy rain or overflowing rivers. Sewer backup protects against water entering your home through drains or toilets. Both are optional add-ons to standard Ontario home insurance policies and are highly recommended given Ontario's weather patterns.
Home insurance rates in Ontario depend on multiple factors: your home's location, age, construction type, replacement cost, claims history, and coverage limits. Installing security systems, bundling policies, and maintaining a claims-free record can help lower your premium. Morison brokers compare multiple insurers to find your best rate.
Replacement cost coverage pays to rebuild or replace items at today's prices, without depreciation. Actual cash value factors in depreciation, paying less for older items. Replacement cost offers better protection and is typically recommended for Ontario homeowners to ensure full recovery after a loss.
One claim may not significantly impact your premium, especially if it's your first. However, multiple claims within a short period can lead to rate increases or policy non-renewal. Before filing, consider if the loss exceeds your deductible enough to justify a claim. Your Morison broker can help you evaluate the best approach.
Yes. Renovations increase your home's value, which affects your replacement cost and premium. Major updates like kitchen remodels, basement finishing, or structural changes should be reported to your broker immediately. This ensures your coverage accurately reflects your home's current value and you're not underinsured.
Absolutely. Bundling home and auto insurance Ontario policies can save you 10-25% with most insurers. You'll also benefit from simplified renewals, one renewal date, and a single point of contact. Morison brokers specialize in finding multi-policy discounts that maximize your savings without compromising coverage.
Your home insurance policy will typically cover any family members living in your home, such as your spouse, children or parents. Your entire home is protected from liability, and your personal property is insured. In terms of valuables, the belongings of family members living under your roof will be equally insured under your policy. Should your living situation change, say you move in with a partner or your aging parents come to live with you, be sure to let your broker know so we can make any necessary adjustments to your policy.
Suppose your home is damaged or your possessions are stolen, and you have resulting repair and replacement costs. In that case, the deductible is the amount of said cost you've agreed to cover independently before your insurance company takes care of the rest.
Often, a standard deductible is about $1,000. To put that into perspective, if a tree falls on your roof after a storm and the repair costs are $4,000, you will pay $1,000, and your insurance policy will cover the remaining $3,000. Keep in mind your deductible often influences your insurance premium. It's worthwhile to talk to your dedicated Morison Insurance broker to see what deductible rate is best for your coverage needs.
From comprehensive coverage to tailored add-ons, our brokers compare Ontario's top insurers to find the protection that fits your life and budget.
You don't have to shop around, we'll do it for you. Speak with a dedicated Morison broker today and discover how much peace of mind really costs. Get started today by calling 1-800-463-8074 or by filling out the form on this page.
