Compare coverage and save with trusted Canadian providers. Finding the right property insurance in Ontario shouldn’t be complicated. At Regal Insurance, we make it easy to compare property insurance quotes from top-rated insurers, whether you’re insuring your home, condo, rental property, or seasonal residence. Get customized coverage with expert support from licensed Ontario brokers who understand your needs.
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Regal Insurance is your go-to Ontario property insurance broker, working independently to help you, not the insurance companies. We shop the market and compare rates from top Canadian insurers to match you with the best policy for your property type, location, and budget.
Whether you’re buying your first home, insuring a rental property, or reviewing your current coverage, we’ll guide you every step of the way, from quote to claim.
Call or email us to get your free Ontario property insurance quote today.
From standard home insurance to coverage for high-value homes, rental properties, and seasonal residences, Regal Insurance offers tailored solutions to meet your needs. Explore our property insurance specialties below to find the right fit.
Comprehensive protection for your house and belongings, customized to your property, lifestyle, and budget.
Coverage designed for condo owners, protecting your unit, personal property, and liability.
Affordable protection for renters, covering personal belongings and liability inside your rented space.
Specialized coverage for rental property owners, protecting your investment and rental income.
Protect your cottage or vacation home with coverage designed for part-time occupancy and unique risks.
Built for high-risk properties, with extended limits and protection beyond standard home insurance.
Finding property insurance in Ontario doesn’t have to be overwhelming. At Regal Insurance, we make it easy to compare quotes and choose the right policy without the stress. As your independent Ontario insurance brokerage, we do the heavy lifting for you, comparing rates from top insurers to find coverage that fits your property, lifestyle, and budget.
We explain your options clearly, with no fine print or confusion, so you can feel confident you’re getting the protection you need at a fair price.
Our licensed brokers live and work right here in Ontario. We’re here for the long term, helping you navigate policy changes, renewals, and claims with real support when you need it most.
Proudly serving homeowners and property owners across Ontario, from Kitchener and London to Mount Brydges, Cambridge, and Oakville, we’re committed to helping you protect what matters most.
About UsConnect with our brokers for customized insurance solutions that outdo big providers. Specializing in Ontario commercial insurance, we compare Canada’s top insurers to ensure you receive the right coverage at the best possible price.
Fill out this short form and get your free, no-obligation property insurance quote today!
Property insurance in Ontario isn’t legally required like auto insurance, but for most homeowners, condo owners, and landlords, it’s essential protection. Whether it’s required by your mortgage lender or simply peace of mind, understanding what your policy covers helps you stay prepared when the unexpected happens.
At Regal Insurance, we make it easy to understand your coverage so you can feel confident your property and belongings are protected.
Protects the physical structure of your home, including walls, roof, floors, and built-in systems. If your home is damaged by a covered event like fire or severe weather, this coverage helps pay for repairs or rebuilding costs.
Covers your belongings inside the home, such as furniture, electronics, clothing, and appliances. If they’re damaged, destroyed, or stolen due to a covered loss, your policy helps cover the cost to repair or replace them.
Protects you if someone is injured on your property or if you accidentally cause damage to someone else’s property. It helps cover legal fees, medical expenses, and settlement costs.
Also known as loss of use coverage, this helps pay for temporary living costs like hotel stays, meals, and transportation if your home becomes uninhabitable due to a covered claim.
Protects your home and belongings from damage caused by sewer or drain backups, which are not typically included in standard policies.
Covers damage caused by water entering your home from ground level due to heavy rain, melting snow, or overflowing bodies of water.
Provides protection against damage caused by earthquakes, which is not included in standard property insurance policies.
Adds extra protection for valuable items like jewelry, artwork, collectibles, or expensive electronics that may exceed standard policy limits.
Helps cover costs associated with restoring your identity, including legal fees and administrative expenses, if you become a victim of identity theft.
Extends protection for business equipment and liability if you run a business from your home, which is typically excluded from standard policies.
We partner with Canada’s top insurance providers so you can compare quotes side by side, choose the best coverage for your needs, and lock in a competitive rate, without the hassle.
Property insurance doesn’t have to be expensive. At Regal Insurance, we help homeowners and property owners find smart ways to reduce premiums without sacrificing protection.
We compare quotes from multiple trusted insurers to find you the best rate, saving you time and money.
Combine your property insurance with auto or other policies to unlock multi-policy discounts and maximize savings.
Choosing a higher deductible can lower your premium. We’ll help you find the right balance based on your financial comfort level.
Installing security systems, smoke detectors, sump pumps, or backwater valves can reduce your risk and qualify you for discounts.
Avoiding frequent claims can help keep your premiums lower over time, as insurers reward low-risk policyholders.
Your property value and needs can change. We’ll help you reassess your coverage each year to ensure you’re still getting the best value.
Want to learn more ways to save or better understand your coverage? Visit our Help Centre to explore articles on deductibles, discounts, policy add-ons, and more. We’re here to make property insurance simple, transparent, and tailored to you.
Already a Regal Insurance Brokers client? Access the tools you need—fast. Whether you want to file a claim, update your policy, or speak with your broker, we make it easy to stay protected and informed.
Get step-by-step guidance and support when you need it most. Start your claim online or speak to an expert.
Pay your premium with confidence using our secure online payment system.
Log in to view, download, or print your policy documents whenever you need them.
Book a time that works for you to speak with a Regal advisor—virtually or face-to-face.
Property insurance is not legally required in Ontario, but most mortgage lenders require homeowners to carry insurance as a condition of financing. Even without a mortgage, having property insurance is strongly recommended to protect your home, belongings, and liability.
Several factors influence your property insurance premiums, including:
Each of these factors plays a role in determining your overall premium.
A standard property insurance policy typically covers your home’s structure, personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered loss such as fire or severe weather.
If your property is damaged, start by ensuring everyone’s safety. If necessary, contact emergency services. Then:
Your broker will guide you through the claims process and next steps.
Yes. At Regal Insurance, we offer flexible options to tailor your policy to your needs. You can adjust your deductible, increase coverage limits, and add optional protections like sewer backup, overland water, or coverage for high-value items.
A deductible is the amount you pay out-of-pocket when you make a claim. For example, if you have a $1,000 deductible, you’ll pay the first $1,000 of a covered loss, and your insurer will cover the remaining amount. Choosing a higher deductible can help lower your premium.
It depends on the type of water damage. Sudden and accidental damage, like a burst pipe, is typically covered under most standard policies. However, other types of water damage, such as sewer backup or overland flooding, are usually not included unless you add optional endorsements.
You may want to consider additional water-related coverage if your home is in an area prone to heavy rainfall, flooding, or older municipal infrastructure. Sewer backup and overland water coverage can help protect against some of the most costly and common types of property damage in Ontario.
It’s a good idea to review your property insurance annually or whenever you experience a major life change, such as buying a new home, renovating, adding rental tenants, or acquiring high-value items. Regular reviews help ensure your coverage stays up to date and cost-effective.
Yes. Many insurers offer discounts when you bundle your property insurance with auto, tenant, or other personal insurance policies. Bundling can help you save money while simplifying your coverage under one provider.
Personal liability coverage protects you if someone is injured on your property or if you accidentally cause damage to someone else’s property. It can help cover legal fees, medical costs, and settlement expenses if you are found legally responsible.
Not always. Major renovations or construction projects may not be fully covered under a standard policy. It’s important to notify your broker before starting any renovations so your coverage can be adjusted if needed to protect your home during the project.
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