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Switch to Onlia, save
time & money

Bundle your car & home insurance to save as much as $750*,
and then some.

Home insurance, clarified

Why do you need home insurance?

Home insurance isn’t mandatory in Ontario, but most institutions require you to have it before you get a mortgage. Home insurance helps you protect the investment in your home, your personal belongings, and provides liability coverage.

What does home insurance cover?

Onlia Insurance covers various types of damage to your home, including damage due to frozen pipes, fire and smoke, as well as loss due to theft or break-in.


The structure of your home, its contents, alternate accommodations if it becomes unliveable, and Personal Liability coverage are included in Onlia home insurance policies. Learn more about home insurance coverage.

  • Buying Onlia Insurance

    Read more about eligibility and what qualifies you for Onlia home insurance.

  • Getting an online quote

    Save up to $750 when you switch. See your price and how much you could be saving.

  • Choosing your coverages

    Learn more about car insurance and find out how to build the perfect policy for you.

Why choose Onlia Insurance?

A trusted provider

We’re backed by Fairfax Financial and Achmea, we have the resources to make insurance simple. Like other trusted companies, we’re regulated by FSRA.

Always online

Get a quote, buy insurance, and manage your policy online 24/7. Easy-to-read policies make handling your own insurance a breeze.

Privacy is our priority

We’ll keep you safe on and offline. Personal and sensitive information is always encrypted, stored, and transmitted securely.

Coverage at home

Whether you own or rent your home, we have the coverage you need. Protect your home and what’s in it with a home, condo, or tenant policy made just for you.

Flexible policies

Adjust your coverage, update your information or bundle your insurance through My Account any time. On demand changes, no paperwork or phone calls required.

Add more, save more

Save 15% on car insurance and 20% on home when you bundle, and up to additional 50% when you consent to a light credit check.

Home coverages that keep you protected

Onlia makes home insurance in Ontario simple, so you know exactly what you’re paying for and how you’re covered.
Emergency Accommodations
We cover accommodation and living expenses for you and your family if something happens to your home that makes it unfit to live in.
Fire Damage
Fire and smoke are common culprits of property damage. If they occur, we’ll make sure it’s repaired or replaced.
Frozen Pipes
We’ll cover damage to your pipes if they freeze during colder months (as long as your home is occupied).
Theft and Break-ins
Coverage for your belongings, like appliances, electronics, and furniture if they’re stolen or damaged at home or some place else.
Home Sharing
Occasionally rent out your place through Airbnb or another home-share service? We’ll cover your property.
Flood and Water Damage
Comprehensive overland water protection, covering flooding and sewer backup.
High-value Items
Want more protection for valuables like bicycles, jewellery, or artwork? We cover up to $10,000.
Lightning, Hail, and Windstorms
Extreme weather can hit hard. No matter what kind of storm rolls in, you’re protected.
Personal Liability Coverage
Legal protection if you’re sued due to someone else's injury or property damage, even if it happens in another country.
Identity Theft
If you or someone in your household is a victim of identity theft, we’ll help you through the recovery process.

Discover more about home insurance

Protect your home, and get discounts while you’re at it

Save more on home insurance when you protect your abode with an alarm system, and more. Discounts are automatically applied at checkout.