Home insurance in Ottawa

Go online with Onlia for home insurance in Ottawa

Get affordable home insurance in Canada’s capital city.

  • 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 Ottawa

Ottawa living is fast-paced and can be expensive. You may not have control over the housing market or taxes, but you can lower how much you’re paying for home insurance.

With the median price of insurance in Ontario at over $1000 per year, Onlia comes in with a competitive rate of just $485 for home insurance in Ottawa. With premium coverages and lower-than-average prices, what’s not to love?

Go online with Onlia for home insurance

We offer the best of both worlds — low insurance costs and excellent full coverage. That’s because Onlia is digital direct home insurance.

Digital: Buying home insurance through Onlia can be done online, from getting a quote and buying a policy to changing a policy or submitting a claim. It’s seamless, and you’re not waiting around on one end of a phone for someone else to finish your quote for you. 

Direct: You’re buying home insurance directly from Onlia and not a broker or other third party. Buying directly gives you access to all our home insurance discounts that make your home insurance cheap. 

Home insurance coverage in Ottawa

While home insurance isn’t required by law in Ottawa, many lenders require that you have it.

But even if you’re mortgage-free, you’ll still want it to protect yourself from paying thousands (possibly more) to replace or repair damaged or stolen items. 


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

  • 1

    Customize your coverage & see your discounts

    Adjust your coverage based on your needs, and see how much you save with our instant discounts.
  • 2

    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.
  • 3

    Manage your insurance online, anytime

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

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