Home insurance in Toronto

Go online with Onlia for home insurance in Toronto

Get affordable home insurance in Canada’s largest city.

More affordable home insurance is important in Toronto

If you live in Toronto, more affordable home insurance is one of the few ways you have left to control the rising cost of living in Canada’s largest city.

The average price of home insurance in Toronto is nearly $1,600 per year — $200 more than the national average — so every dollar counts.

Go online with Onlia for home insurance


Buying home insurance from Onlia is a fully digital experience. This means no middleperson between you and your policy. 

Direct insurance is better for everybody who needs home insurance, because you can: 

  • Build your own policy in minutes
  • Add/subtract coverage as your living situation changes 
  • Know the money is going to be there if you need it

And going online with Onlia is the easiest, fastest way to get digital direct home insurance in Toronto. Getting a quote. Purchasing a policy. Augmenting coverage. Submitting a claim. All done online.

Also, because we’re direct, we can offer all kinds of discounts to bring down your monthly insurance cost, like for having a good credit score and for bundling your home and car insurance with Onlia.

Home insurance coverage in Toronto

While home insurance isn’t required by law in Toronto, many lenders require that you have it. But even if you’re mortgage-free, it’s still strongly recommended to keep you from going out of pocket to pay for major damage, replace stolen items or cover medical and legal costs for someone injured on your property.


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