Owning a home is one of your biggest investments, and it comes with risks that go beyond what most homeowners expect. From fire and water damage to theft, liability claims, and weather-related events, having the right insurance ensures your home and everything in it is properly protected. Regal Insurance compares home insurance quotes from top Canadian providers to help you find the right coverage, simple, fast, and tailored to your needs.
Get A Quote
Home insurance provides comprehensive protection for homeowners against a wide range of risks affecting both the structure of the home and personal belongings inside it. While mortgage lenders typically require basic coverage, most standard policies still leave gaps around liability, water damage, and additional living expenses that homeowners are responsible for.
As an independent brokerage, Regal Insurance works for you—not the insurance companies. We compare home insurance quotes from leading Canadian providers to help you secure the right protection for your property, whether you own a detached house, semi-detached home, or townhouse.
Whether you’re buying your first home or reviewing your current policy, we’re here to help you protect your property and financial security.
Reach out today by phone or email us for your free home insurance quote.
Regal Insurance is your independent Ontario property broker, focused on people, not platforms. We’re not just another insurance comparison site. Our licensed brokers work for you, not the insurers, delivering smarter guidance and better rates.
A Regal Insurance Broker will help you compare quotes from trusted Canadian providers, avoid unnecessary coverage and save money on your premiums. Speak with real experts who understand Ontario insurance requirements.
From quote to claim, Regal is with you every step of the way, whether online, by phone, or in person.
Proudly serving homeowners and renters across Ontario—from Kitchener and London to Mount Brydges, Cambridge, and Oakville—we’re committed to helping you stay protected.
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 home insurance quote today!
Home insurance protects both your property and your personal belongings from unexpected loss or damage. While most policies are designed to cover the structure of your home and basic contents, they often vary in how they handle liability, water damage, and temporary living expenses.
Consider a few common homeownership scenarios. A burst pipe causes significant water damage to your floors and walls—your policy helps cover repairs and restoration. If a visitor slips on your driveway and is injured, liability coverage helps protect you from legal and medical costs. And if a fire forces you to leave your home temporarily, additional living expenses coverage helps pay for accommodations and meals.
A dedicated home insurance policy helps close these gaps, giving you financial protection for your home, belongings, and everyday peace of mind.
Protects the physical structure of your home, including walls, roof, floors, and built-in fixtures. If your home is damaged by fire, wind, or other covered events, this coverage helps pay for repairs or rebuilding.
Covers your personal belongings such as furniture, electronics, clothing, and household items. If your possessions are stolen or damaged due to a covered loss, contents coverage helps replace them.
Protects you if someone is injured on your property or if you accidentally cause damage to someone else’s property. For example, if a guest is injured on your property, liability coverage helps cover legal fees, settlements, and medical costs.
If your home becomes uninhabitable due to a covered event, this coverage pays for temporary housing, meals, and other essential costs while your home is being repaired.
Helps protect against sewer backup, overland water, and other water-related losses that are not always included in standard policies. For example, if heavy rainfall causes basement flooding, this coverage helps with repair costs.
Specifically protects against damage caused by sewage or drainage system backup into your home, which can result in significant cleanup and restoration expenses.
Provides protection against flooding caused by surface water entering your home, such as heavy rain or rapid snowmelt.
Covers mechanical or electrical failure of essential home systems and appliances, such as furnaces, air conditioners, water heaters, and major appliances. If a sudden breakdown occurs, this coverage helps with repair or replacement costs.
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.
Home insurance doesn’t need to be expensive. With the right strategy, Ontario homeowners can secure strong protection at a competitive rate. Regal brokers help tailor your policy to your home, belongings, and risk profile, ensuring you stay protected without overpaying.
Bundling your home insurance with auto or other personal insurance policies can unlock valuable multi-policy discounts. Many insurers reduce premiums when you combine coverage under one provider.
Selecting a higher deductible can lower your monthly premium. This approach works well for homeowners who can comfortably cover a larger out-of-pocket amount in the event of a claim while keeping ongoing costs lower.
As your home value, renovations, or personal belongings change, your insurance needs may also shift. An annual review helps ensure your coverage reflects your current situation and prevents both overpaying and underinsuring.
Installing monitored alarm systems, smoke detectors, water leak sensors, and smart security devices can help reduce premiums. These features lower the risk of loss, making your home more attractive to insurers.
Many homeowners insure more personal property than they actually own. Adjusting your contents coverage to reflect the true value of your belongings can help reduce costs without sacrificing protection.
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 home 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.
Home insurance provides broad protection for your home structure, personal belongings, and liability risks. While most policies are designed to protect against common perils like fire, theft, and wind damage, coverage can vary depending on your insurer and policy type. It typically includes:
Without home insurance, major losses such as fire, water damage, or liability claims could result in significant out-of-pocket costs.”
No, home insurance is not legally required in Ontario. However, most mortgage lenders require proof of adequate coverage before approving a home loan. Even after purchasing your home, maintaining insurance is strongly recommended to protect your financial investment.
Without coverage, homeowners are fully responsible for repair costs, liability claims, and rebuilding expenses following unexpected events.
Home insurance is essential for almost all property owners, including:
Even low-risk homeowners can face major financial loss from a single unexpected event like fire or water damage.
Premiums vary based on home value, location, rebuild cost, age of the property, and coverage selections. On average, Ontario homeowners typically pay between $800–$2,000 per year, though higher-value homes or properties with increased risk may pay more.
Optional coverages such as water damage protection or increased liability limits can also impact total cost.
Several factors influence pricing, including:
A broker can help structure your policy to balance cost and protection.
Yes. There are several ways to reduce premiums while maintaining strong coverage:
Working with a broker ensures you’re not overpaying for unnecessary coverage.
Home insurance covers the entire structure of a standalone home, including the building and land. Condo insurance only covers the interior of a unit, while the condo corporation insures the building exterior and shared spaces.
Homeowners are responsible for all structural repairs and rebuilding costs, making home insurance more comprehensive than condo insurance.
Yes. Personal liability coverage protects you if a guest is injured on your property. For example, if someone slips on your driveway or falls inside your home, your insurance can help cover medical costs, legal fees, and settlements.
Without this coverage, you could be personally responsible for injury-related expenses.
Yes. Most home insurance policies extend contents coverage to belongings stored off-site, such as in storage units or lockers. Items like furniture, seasonal equipment, or personal goods are typically covered against theft, fire, or certain types of damage.
Coverage limits may apply depending on the policy.
Most Ontario homeowners carry:
A broker can help ensure your coverage reflects your home’s rebuild cost and your personal risk profile.
In most situations, condominium insurance primarily focuses on covering the contents and improvements made to your individual unit, as the condominium corporation typically has its own policy that covers common areas. By obtaining condo insurance, you can protect your unit and personal belongings from risks such as water damage, theft, or fire, thereby safeguarding yourself against liability claims. Additionally, if you are unable to reside in your unit due to building repairs, your policy may provide reasonable living expenses (up to the specified limits).
Our knowledgeable brokers are well-equipped to provide condo owners with all the necessary information, ensuring that you obtain the appropriate condo insurance coverage that aligns with your specific requirements. If you desire additional protection, we will discuss supplementary coverage options and offer professional recommendations tailored to the needs of condo owners.
Ontario homeowners face growing flood risks from spring thaws, heavy rain, and severe storms. Yes, there are ways to protect your home: sealing foundations, installing...
Buying a home is one of the most significant milestones of your life, and it comes with a flood of deadlines, decisions, and paperwork. In...
Protecting Your Multi-Generational Home: What You Need to Know Ontario’s multi-generational homes are becoming increasingly popular, with families choosing to live together to support aging...
