Home insurance online

Affordable home insurance premiums 

Looking for an affordable home insurance policy that covers all
your bases? Get a quote today to see how much you can save,
with premium protection. 

How your home insurance premium is calculated

Several variables come into play when calculating your home insurance premium. The most important ones include your postal code, the age of your home, building type, and structural details like the number of storeys, kitchens, and bathrooms in your home. We’ll use these details to help predict the likelihood of damage caused by things like water, fire, wind/hail, and crime.

And of course, the level of protection you opt for will affect your price.


Onlia offers a number of discounts on your home insurance premium, like:

Credit Score

Save up to 50% on home insurance when you agree to a soft credit check.

Renewal Loyalty

Save 5% when you’re an Onlia customer for 3 or more years.


Mortgage-free home? Save 15% on your home premium.

Burglary & Fire Alarm

Up your home security game with a monitored alarm system to save 5%.

Bundle Car & Home

Save 20% off home insurance, and 15% off car when you insure both with Onlia.

Daily premium structure

Our daily premium structure is the first of its kind in Canada. With Onlia, you'll pay only for the exact number of days you have insurance in a month (rather than paying a monthly average, or an entire year up front). For example, let's say your premium works out to be $5 a day:

  • $5 a day x 31 days = $ 155 a month
  • $5 a day x 30 days = $ 150 a month

Most months are 31 days, so we quote you for that number. You'll pay a little less in shorter months. Every dollar counts, right?!

Save more with Onlia Insurance

Get a quote in minutes to see what your home insurance savings could be with Onlia.

Bundle discount

Bundle your car and home insurance for more discounts – you could save 15% on car and 20% on home when you bring both policies over to Onlia.

You’ll also save time when you bundle; manage both your home and auto policy online with ease. Sign in to My Account to make changes like updating your information, adding new vehicles, and even adjusting your coverage, all on your own. Learn more about the benefits of bundling with Onlia.