Home Insurance in Ontario - Get a Quote and Buy Online | Onlia Insurance

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Protect your home and your stuff.
Onlia makes it easy to get personalized home insurance at a competitive price. Quote and buy online.
Own or rent? We'll help keep your home safe and sound.
We protect your home
From frozen pipes to fire damage, we'll cover almost any damage to your home.
We protect your stuff
We'll replace your belongings if they're stolen or damaged at home, or someplace else.
Here when you need us
What good is insurance without good people behind it? For claims big and small, our caring team is here every step of the way.
Insurance as easy as 1-2-3

Tell us about your place

Provide a few details about your home and get a quote in minutes.
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Choose your coverage

We’ll build you a customizable policy and apply eligible discounts automatically.
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Buy on the spot and you're done

Pay online and get covered as early as tomorrow. No paperwork or phone calls needed.
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Home insurance that covers your bases
Onlia homeowner and renters insurance is loaded with premium coverages and benefits at no added cost.

Home and Detached Structures 

If your house or other structures on your property get damaged, we'll pay to repair or replace them. Simple as that.

Personal Property

Covers your common items and valuables if they’re stolen or damaged inside your home, or someplace else.

Additional Living Expenses

If something happens to your home that makes it unlivable, we’ll cover accommodations for you and your family.

Personal Liability

Legal protection if you’re sued due to someone else's injury or property damage.

Flood and Sewer Backup

Your comprehensive overland water insurance. Covers flooding, torrential downpours, and backed-up sewers.

Home Improvements

From new flooring to fancy fixtures, we cover the investments you make in your home.

Home Sharing

Occasionally rent out your home through Airbnb or another sharing service? We’ll cover your property.

Identity Theft

If you or someone in your household is a victim of identity theft, we’ll help you through the recovery process.

Discounts galore
Plenty of ways to save big on home insurance. Eligible discounts are added to your quote automatically.

Home & Auto Bundle

20% on Home

Credit Score

up to 50%

Monitored Alarm System

save 15%


save 20%

*Not currently applicable to condo insurance

Frequently asked questions

Quote are all-online. Just answer a few questions about your situation and you’ll receive a quoted price instantly. The process only takes a few minutes, and if you like what you see, you can buy your policy on the spot! No phone calls or brokers required.

Feel free to contact us if you have any questions along the way. Keep in mind that we can’t give you a quote over the phone – with Onlia, you’re in the driver’s seat.

Home insurance helps you safeguard the investment you’ve make in your home, whether you own or rent. If something ever happens to it, or your belongings, home insurance can cover the cost to get your life back on track.

Home insurance isn’t mandatory in Ontario, but most financial institutions require that you have it before you can get a mortgage. Some landlords also require that tenants show proof of home insurance before providing a lease.

It’s not mandatory, but many landlords require that you have it.

Having renter’s insurance can cover your personal property if it’s damaged or stolen. Even if your landlord has home insurance, their coverage won’t extend to your stuff, which means that if your apartment gets flooded and your electronics and furniture are damaged, you’re on your own.

Renter’s insurance also covers living expenses if something happens to your place and you can’t live in it until it’s repaired, and it’ll cover you for liabilities.

If you get sued (knock on wood), claims can easily exceed millions of dollars in expenses – that’s where liability coverage comes in. It will reduce the risk of having to pay out of pocket. 

Can't find what you were looking for? No worries, we've created a pretty comprehensive list of FAQs for you on our Customer Support page.