HOME RENTERS INSURANCE
How home insurance protects you – and all your stuff
No matter where you unpack your things in Ontario, Onlia has you covered.
It’s what’s on the inside that counts
The inside of your home that is, when it comes to home insurance. Home insurance protects more than just your actual house — personal property or contents coverage protects all your belongings in your home. It provides the money to cover the costs to repair or replace anything you store at home, in your car, or even in your garage or your shed so you don’t have to pay thousands of dollars out of pocket if disaster strikes.
Getting your contents — or “personal property” — covered through your home insurance from Onlia is fast and affordable, and it’s ensures you can repair or replace your belongings in the event of an unpredictable event.
Content insurance covers:
Collectibles
Jewellery
Furniture
Electronic equipment
Fine art
Gaming systems
Clothing
Dishes and kitchenware
Appliances
Rugs
Sporting equipment
Musical instruments
Bicycles
Sometimes you forget just how much stuff you have. So, when you move into a new home, you should take the time to make an inventory of what you have. It comes in handy when you include your contents on an insurance policy.
You can also take photos or videos of your belongings, so you have a visual checklist at the ready. Don’t forget the items in your closets, cabinets and storage containers too.
Switch to Onlia in 3 easy steps
Get a quote in 3 minutes
Answer a few simple questions and in 3 minutes we’ll hook you up with your low rate.
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Just a few clicks and boom – that sweet insurance is all yours. Do it online, or kick it old school and give us a call!
Easy to own
Make updates and manage your insurance online whenever you want. It is your insurance, after all
How much home insurance do I need?
What you own, and how much it’s worth, will determine how much coverage you will get.
Onlia’s affordable home insurance rates and online quoting make it easier for you to get the coverage you need without paying extra.
As suggested, you can take an inventory of your items. You’ll have less in a one-bedroom apartment than say a four-bedroom house. Oh, and if you’re a collector of antiques, collectors’ items
or you own expensive jewellery, you'll want to consider adding coverage for your high-value items.
Remember, there are limits to coverage. For example, if the cap on jewellery is $2,500 and you own a $10,000 diamond necklace, you’ll want additional coverage.
Paying for addons will require documentation to prove the items’ worth. That can include receipts or appraisals.
Extra coverage for the unexpected
While many events are covered under your home or home insurance policy, there may be instances when you need extra coverage.
Always be sure to research what addons work for you and come ready when renewing your policy for the next year.
If you’re worried about how much you can pay for a deductible, you can always adjust at renewal.
Now, you’re ready to choose the right policy for you. See what Onlia home insurance has to offer, get a quote and customize your coverage today.
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. Depending on your carrier, some of these are automatically included if your home qualifies.
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If something happens, you’ll want to cover accommodation and living expenses for you and your family if it’s unfit to live in.
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Fire and smoke are common culprits of property damage.
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Make sure damage to your pipes are covered if they freeze during colder months (as long as your home is occupied).
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Coverage for your belongings, like appliances, electronics, and furniture if they’re stolen or damaged at home or someplace else.
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Occasionally rent out your place through Airbnb or another home-share service? You’ll want to make sure you’re covered.
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Comprehensive overland water protection, covering flooding and sewer backup.
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Want more protection for valuables like bicycles, jewellery, or artwork? Our carriers can cover different amounts.
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Extreme weather can hit hard. No matter what kind of storm rolls in, we have options to make sure you’re protected.
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Legal protection if you’re sued due to someone else's injury or property damage, even if it happens in another country.
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If you or someone in your household is a victim of identity theft, our various carriers offer coverage to help you through the process.
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