Home insurance in Hamilton

Get affordable home insurance in the Hammer.

  • Extra affordable base premiums
  • A full menu of discounts 
  • No phone calls. You do it all online

Affordable home insurance is becoming a must in Hamilton

As the cost of living in Hamilton rises, any way to save money is worth exploring — an easy way is to lower your home insurance costs.

Hamilton residents pay an average of nearly $1,500 per year for home insurance, or about $124 per month. That’s higher than the Ontario home insurance average — and much higher than Onlia’s average of $611 per year for home insurance in Hamilton.

Go online with Onlia for home insurance


Onlia is digital direct home insurance, so we can offer low insurance costs AND excellent full coverage. Here’s how:

Digital means everything is done online

You can get a quote, buy a policy, change a policy or submit a claim right from your smartphone, tablet or computer. We don’t make you wait on the phone while someone gets a quote and manages your policy for you. Plus, Onlia gives you direct access to all our home insurance discounts that make your home insurance cheap. That means more savings back in your pocket – and schedule.

What are the benefits for Hamilton residents?

  • You can add or take away coverage whenever you need to
  • You have the freedom of choice to buy only what you need or can afford
  • You get peace of mind, knowing that your Onlia coverage will protect you and your home if you need it
  • We can help new Canadians understand the policy and coverage 

Home insurance coverage in Hamilton

Home insurance is not mandatory in Hamilton. But it protects you, your home and your property against fire, weather, theft or other perils.

Types of home insurance from Onlia

Whether you’ve just bought your first time, planning to rent, or have a condo, we have insurance tailored to your needs.

  • Homeowner insurance: This will cover your private residence, protect the contents of your home and your liability if someone gets hurt in your home.
  • Renter insurance: Also called tenant insurance, it will protect your belongings and give you liability coverage. It doesn’t protect the home itself, but that’s fine because you don’t own it.
  • Condo insurance: Condo insurance will protect your unit within a condo building, including the contents of the unit like appliances, clothing and furniture. It’ll also cover additional living expenses if you need to relocate while your condo is being repaired. 

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.

Switch to Onlia in 3 easy steps

  • Get a quote online in just a few minutes

    Fill in a few details to see your price. Checkout, and be covered as soon as the next day.

  • Customize your coverage & see your discounts

    Adjust your coverage based on your needs, and see how much you save with our instant discounts.

  • Manage your insurance online, anytime

    Log into My Account to make changes to your policy. No phone calls required.


Save more with Onlia

Our rates are competitive, but who doesn't want cheaper insurance? Onlia's premium discounts are already applied before you check out.