Home Insurance Toronto
Built Exactly for How You Live
Insurely offers fast, home insurance Toronto with coverage options made for how people live, rent, and own in the city today. Rebuild costs? Covered. Personal belongings? All protected. Your policy? Fully digital and always editable . Clicking the quote button starts a quick step-by-step form where you enter your info, get matched with discounts, customize coverage, get a quote, and (if you want) pay—all online in minutes.
Clicking the quote button starts a quick step-by-step form where you enter your info, get matched with discounts, customize coverage, get a quote, and (if you want) pay — all online in minutes.
What You’re Getting With Every Home Policy from Insurely
Guaranteed Replacement Cost
Rebuild coverage, even if the cost goes over your limit.
Sewer & Overland Water Protection
Water damage from sewer backup or surface flooding? You’re covered.
Fire, Theft, and Natural Disaster Coverage
For fire damage, break-ins, or natural disasters across Toronto.
Liability & Medical Payments
Injuries or property damage? Your policy responds.
Additional Living Expenses
Covers hotels, food, and relocation if you’re displaced by a covered claim.
Customizable Add-ons
Match your exact needs with additional coverage: valuable items, energy systems, and tenant units.
Choose the Type of Home Insurance That Matches Your Life
Homeowners
Condo Owners
Tenants
Landlords & Multi-Unit Owners
Get Covered Online in Minutes: How It Works
You've likely had enough stressful conversations about your home insurance. Our process is different.
Free Quote in Minutes
Answer a few questions and get a real quote — no phone call required.
Control Policy 24/7
Manage your policy, coverage, and documents anytime online.
Flexible Payment Options
Pay monthly or annually — whatever works for your budget.
Instant Proof of Insurance
Download your pink card or lender letter the moment you're covered.
FAQs
Yes. We offer property insurance for vacant or temporarily unoccupied homes.
No, but your lender likely requires it. And it’s risky not to have it, even mortgage-free.
Yes. In Ontario, many insurance companies legally use credit scores to calculate risk and price, but certain conditions may limit the availability of insurance products and discounts.
Absolutely. You may add coverage options by item and value anytime.
Yes, it may raise premiums as quotes vary based on several factors. We’ll review the risk and adjust accordingly.
Yes. You may adjust your home insurance policy online without waiting or calling in.
Yes. You should also add overland water and sewer backup coverage. Both are recommended for Toronto flood zones.
Yes. They often count as separate dwellings and require distinct coverage options.
Insurely focuses only on Home Insurance. But some bundle home and car insurance to save money. You’ll see extra savings instantly on both car policies and home.
Yes. Burst pipe scenarios are a standard part of covered events in a comprehensive home insurance policy.
Get Insured Without Picking Up the Phone
You don’t have to call five companies to get a price for insurance online. You don’t have to wait on hold or print anything. Insurely gives you:
Coverage descriptions on this page are for informational purposes only and not a substitute for insurance advice or your policy's specific terms and exclusions.