Homeowner insurance

Save time and money on home insurance

Protect your home with Onlia and save 20% when you bundle with auto. Quote and buy online. Cancel anytime.
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Buy homeowner insurance in Ontario online

Onlia’s all-online insurance makes it easy to protect your home at an affordable price. Get premium coverage, plenty of discounts, and 24/7 claims service that’s always here to help when you need it.
How it works

Insurance made easy

Quote and buy online

Get a quote in minutes, buy on the spot, and be covered as early as tomorrow. No brokers or paperwork required.

Make changes anytime

Life changes quickly. Adjust your home policy online when you need your insurance to keep up.

Help is always here

The insurance may be online, but our caring team is just a phone call away with 24/7 claims service.

Cancel anytime

Try Onlia commitment-free. You only pay for the days you’re insured, with no cancellation fees.

How home insurance works

How home insurance works

How does it help me?

You get financial protection if your house or the things you own are damaged or stolen. From fire and water damage to theft and break-ins, home insurance covers the cost to repair or replace your property so that you don’t have to.

Do I need homeowner insurance?

If you’re taking out a mortgage to buy a home, you’ll need home insurance. Banks and mortgage lenders in Ontario require that you have insurance before approving a mortgage loan.

How much coverage do I need?

Onlia uses the value of your home as the basis for your level of coverage. But it’s a good idea to do an inventory of your belongings and adjusting your level of protection as needed.

Does home insurance only cover my property?

Home insurance also provides personal liability protection if someone is hurt in your home and decides to sue you, or if you unintentionally hurt someone or damage their property.
What you get

Home protection at an affordable price

Fire damage

Fire and smoke are common culprits of property damage. If they occur, we’ll make sure it’s repaired or replaced.

Flood and water damage

Comprehensive overland water protection, covering flooding and sewer backup.

Theft and break-ins

Coverage for your belongings, like appliances, electronics, and furniture if they’re stolen or damaged at home or someplace else.

High-value items

Want more protection for valuables like bicycles, jewellery, or artwork? We cover up to $2,500.

Frozen pipes

We’ll cover damage to your pipes if they freeze during colder months (as long as your home is occupied).

Lightning, hail, and windstorms

Extreme weather can hit hard. No matter what kind of storm rolls in, you’re protected.

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.

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.

Home sharing

Occasionally rent out your place through Airbnb or another home-share service? We’ll cover your property.

Identity theft

If you or someone in your household is a victim of identity theft, we’ll help you through the recovery process.

Start a quote to see more details about Onlia's coverage and how it protects you. Or, check out a sample home policy.


Ways to save on homeowner insurance

We apply eligible discounts to your quote automatically, so you always get the best available price. Learn more.

Credit Score

Save up to 50% for your good credit score.

Monitored Alarm System

Save 15% for protecting your home with a connected alarm system.


Own your home outright? You’ll save 20% with this discount.

Home & Auto Bundle

Save 20% on home and 15% on auto when you bundle up with Onlia.
Here when you need us

24/7 home claims service

The insurance may be online, but there’s a team of humans ready to help when you need it. We’ll guide you through every step of a claim and make sure you get the coverage available in your policy. We’ll also arrange for any repair services or alternate accommodations you need.

Frequently asked questions