You can't buy Onlia home insurance through a broker. We set up our insurance to be easy to purchase and manage online. Start with a quote – it only takes a few minutes. Of course, if you ever have questions or need a hand, the Onlia team is here to help.
You can also assist someone in getting a quote if you have their permission. If they decide they would like to join Onlia, the registered homeowner or tenant must be the one to sign up.
Temporary insurance and flexible cancellations
While we don’t offer temporary insurance, we do have a very flexible cancellation policy. If you decide to sign up with us, you can cancel anytime and pay only for the days you’re covered.
Home insurance or renter’s insurance — you decide
We can’t offer home insurance to those renting a room in a house. If you live in a unit inside a house, select Condo/Apartment as your property type. If you rent the basement in a house, select Condo/Apartment as your property type when you’re getting a quote.
conducted in your home for financial gain. This can include a trade, profession, or occupation.
Consenting to a credit check
Running a soft credit check helps us provide the lowest quote we can. The check is instant and has no effect on your credit score. By consenting, you’ll be eligible to receive a discount of up to 50% on your premium. The exact percentage is determined by your credit score. Prefer not to consent? All good. You can still get Onlia home insurance — you just won’t be eligible for the discount.
Saving your quote for later
You can email the quote to yourself from the Coverage screen. We’ll email a link for you to view it later. Your quote will be saved for 30 days, but note that prices are subject to change. We can only guarantee the price until the end of the day on which the quote was generated.
Calculating your home insurance premium
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.
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?!
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.