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Home insurance built around the way you live.

Tell us about the house, the people in it and what has changed. We’ll help you compare coverage options from Canadian insurers.

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WHAT IT CAN INCLUDE

The main parts of a home policy.

Dwelling

Coverage for insured damage to the home itself, subject to the policy wording.

Personal Property

Coverage for belongings such as furniture, clothing and electronics, subject to limits and exclusions.

Personal Liability

May respond to certain claims if you are legally responsible for injury or property damage to someone else.

Additional Living Expenses

May help with certain extra living costs if you cannot stay in the home after an insured loss.

Detached Structures

Coverage may extend to structures such as a shed or detached garage, depending on the policy.

Optional Coverage

Additional options may be available for specific property, water exposures, valuables or other needs.

What a policy actually includes varies by insurer. A broker can confirm the wording before you buy.

WHAT AFFECTS THE PRICE

What insurers look at.

Location

Rebuild value

Age of the home

Roof

Plumbing

Electrical

Heating

Claims history

Occupancy

Deductible

Optional coverage

Bundling where applicable

BEFORE YOU QUOTE

What we’ll ask you.

01

What is the property address?

02

What type of home is it?

03

When was it built and updated?

04

Who lives there?

05

Have there been renovations or major changes?

06

What does your current insurance look like?

WHEN THINGS CHANGE

Times to review your home insurance.

Renovating

New kitchens, bathrooms and additions change the rebuild value.

Finishing a basement

Finished space is worth more to rebuild than unfinished space.

Replacing the roof

A newer roof often improves how the home is rated.

Adding valuable items

Jewellery, art and bikes may need to be listed separately.

Renting out part of the home

Rental income changes how the policy is written.

Working from home

Business equipment and visitors may need separate coverage.

Adding a pool or outdoor feature

Pools and large structures change the liability picture.

Moving

A new address is rated from scratch.

HOME + AUTO

Insuring your car too?

Putting home and auto with the same insurer may simplify your policies and can sometimes reduce the overall premium.

Get a Home + Auto Quote

View Auto Insurance →

WHY HIFA

More than a renewal price.

WE COMPARE OPTIONS

A broker can compare available insurer options for your situation.

WE EXPLAIN THE DIFFERENCES

Limits, deductibles and optional coverage all matter.

WE’RE HERE WHEN THINGS CHANGE

Renovation, move, new valuables or claim — you can call a real broker.

Common questions

Home insurance questions.

Is home insurance mandatory in Ontario?
No law requires it, but a mortgage lender almost always will, and most want proof before closing. Even without a mortgage, the home is usually the largest thing you own. A broker can help you decide what limits make sense.
How much home insurance do I need?
Enough to rebuild it, which is not the same as what you paid or what it would sell for. The purchase price includes land; the rebuilding cost reflects current construction and labour prices, which have moved sharply in recent years. We work from a replacement cost estimate rather than the sale price or the assessed value.
What is replacement cost?
It means the policy will pay the cost to rebuild your home or replace your belongings with new items of similar quality, without deducting for depreciation.
Does home insurance cover water damage?
It depends entirely on the source and on which coverages were purchased. Sudden escape of water from indoor plumbing is often included; sewer backup and overland water — surface water entering the home — are normally separate optional coverages. Water is one of the most common household claims, so this is worth confirming rather than assuming.
Does home insurance cover renovations?
Tell your broker before the work begins. Major renovation increases the cost to rebuild, and standard policies restrict coverage during significant construction — particularly if the home will be vacated. A vacancy permit or builder's risk coverage may be required, and both need arranging in advance.
Can I bundle home and auto insurance?
Yes, and it is usually worth doing. Reviewing both allows multi-line discounts to be considered and, more importantly, lets the broker spot exposures that sit across the boundary — a vehicle used for a home-based business, for example.

READY TO COMPARE?

Let’s find the right home insurance option.

Tell us about the home and what has changed. A HIFA broker can help you compare the options.

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905-573-7471

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