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Welcome to Kanetix. Available for most provinces in Canada, Kanetix's home insurance quote comparison service allows Canadians to shop and compare quotes for their house, condo, or contents if they are renting.

Introduction to home insurance

Why do you need home insurance? Your house is your most cherished possession and your largest asset. Your home insurance safeguards your most cherished belongings: your home, your personal effects and even your financial future.

What is home insurance?

The home insurance policy is usually a term policy-a policy that is in effect for a fixed period of time. The home insurance payment the insured makes to the insurer is called a premium. The insured must pay the insurer the premium for their home insurance each term. Most insurers charge a lower premium for home insurance if it appears less likely the home will be damaged or destroyed: for example, if the house is next to a fire station, or if the house is equipped with alarms and sprinklers.

How does home insurance protect you?

Your home insurance usually safeguards you in two ways: financial loss and personal liability.

Financial Loss: Your home insurance will refund you if your home or personal effects are stolen or if any other an unforeseen situation that is specified under your property insurance policy occurs.

If an unforeseen situation, like a fire, does arise, your home and garage will likely need to be restored. You will be reimbursed for the value of items, such as furniture, cameras and computers-or the items themselves will be replaced.

If you cannot live in your home while it is being restored after a loss, your house insurance will pay for some of your extra living expenses, such as accommodations, restaurant meals and storage.

Personal Liability: If someone is injured while visiting your home, they could sue you for damages. If they win and a court awards them a significant settlement, you could be financially ruined. Your wages could be garnished and you could have a hard time getting back on solid ground. Property insurance safeguards against this kind of liability.

Your home insurance will also protect you against liability for accidental damage to someone else's property. For example, if you live in an apartment building and your bathtub overflows, resulting in damage to your neighbour's apartment, your home insurance will pay for repairs or replacement.

If you rent your home or own a condo unit, you might feel that investing in a home insurance quote is pointless. If you are just starting out and renting your first place, you might believe that you have nothing of real value that needs replacing should something like a fire occur. If you own a condo unit, you might believe that your condo corporation's home insurance policy has you covered. Here is why whether you rent or own a condo, purchasing a home insurance policy is a good move.

  • Tenant Insurance

    If you rent your home, you may think you don't need to bother with property insurance. Unless your landlord is directly responsible for the damage to your belongings or unit improvements such as a new carpet or built-in shelving in the closets that you paid for, his insurance likely won't reimburse you. It also won't protect you if you are sued for negligence.
  • Condo Insurance

    If your condo corporation has insurance, you may wonder why you need to purchase your own coverage. Here's why:
    • Your condo's corporation policy only covers items that are part of the building. You need your own home insurance to protect any upgrades you have made to the unit, such as carpets or an upgraded bathroom or kitchen.
    • You need to insure your personal effects like furniture, computers, and other electronics. You need to protect yourself against personal liability for injuries to visitors to your home, or for damage you accidentally cause to your neighbour's property.

Whether you make your home in a house, a condo, or a rental unit, the best way to protect it, your effects and your liability is to purchase home insurance.

One thing to keep in mind when shopping around for a home insurance quote-there is no such thing as a "standard" home insurance policy. Home insurance coverage varies significantly from one insurer to another. Companies that sell home insurance compete for business on coverage, service and price.

A guide to home safety

Homeowners everywhere, and of every age, need to be careful when at home, because when our guard is mostly likely to be down, hundreds of thousands of us will be injured while in the home. According to Statistics Canada, in the two year period of 2009-2010, 4.27 million Canadians were injured sufficiently enough that we had to limit our usual activities; 15 per cent of the population. What's interesting, is that 627,000 of these injuries occurred in the home while doing household chores and another 123,000 happened while sleeping, eating or during personal grooming. Despite the stereotype, it's not just seniors who hurt themselves while at home.

Look around your home. Chances are there are a thousand and one ways that something could go sideways in the kitchen, the bathroom and certainly on the stairs (the same Statistics Canada study says that in the two year period there were 166,000 injuries resulting from a fight with steps). For this reason, it is important that homeowners create a safer home environment. By evaluating each part of the home and making the necessary changes, people can help their loved ones avoid unnecessary injuries.

General safety

In general, it is important to ensure that the home has everything that it needs to promote the well-being of the people living in it. General safety typically applies to the entire home, regardless of the room. For example, all electrical items and appliances should be checked to ensure that the cords are in good condition. A few common examples of general safety include locks on doors and windows that are easy for all residents to handle (children straight on through to seniors). Additionally, they should be kept locked at all times. Fire alarms are another general safety concern and batteries should be checked twice a year to ensure they are in working order if needed.


The kitchen is one of the most potentially unsafe areas in the home. In this room of the house there is the elevated risk of fire, injury due to cooking burns and cuts, slipping and falls, to name a few. Proper lighting and non-slippery flooring are important to kitchen safety. Drawers and cabinet doors should be kept closed at all times and a step stool with a hand rail made available to reach higher-up areas.

Stairways and halls

Stairways represent a special challenge. People living in homes with stairs run the risk of falling or slipping from a variety of hazards, lighting, clutter, slipperiness etc. While living in a home without stairs is the safest and most certain way to avoid stair-related injuries, many people may find moving from their home to be an undesirable option. Ensuring the safety of the stairs is of the utmost importance, and typically involves ensuring that the steps are even and undamaged, that the surface won't cause slipping, and that the stair-rail is secure and sturdy. Like the stairs, hallways can be a problem too. Hallway injuries are often related to clutter and a lack of proper illumination.

Living room

In the living room, furniture, rugs, and electrical appliances are all examples of potential hazards. Bumping or tripping over furniture can result in scrapes and bruises, with glass top furniture being of particular concern. Cords and cables also pose a tripping threat as do other items on the floor, which can cause injuries such as broken bones or sprained muscles.


In the bathroom, water can create an unsafe environment. Surfaces such as bathtubs and showers are typically slick when wet and can result in slips and falls. Stepping in and out of a shower or bathtub, and lowering and raising oneself from the tub or even the toilet without some sort of support can also be difficult and dangerous. Because of the damp nature of a bathroom, use electrical appliances with caution. Blow dryers, curling irons or other electrical items should never be used near bodies of water or while the faucet is running.

  • Install well-anchored safety bars in the shower or bathtub and grab bars near the toilet.
  • Prevent falls in the shower and tub by using a non-slip surface such as a non-slip mat.
  • Bath seats are helpful for seniors who have difficulty standing up in the shower.
  • Bathroom Safety for Older People
  • Home Safety: Bath Time


When assessing a bedroom for safety, ensure that there is minimal risk of falling and that any fire hazards are eliminated. For example, avoid using space heaters and make the bedroom a no-smoking area.

Sturdy, comfortable chairs should be kept in the bedroom as a place to sit while dressing in order to reduce the risk of falling or tripping. Adequate lighting and keeping pathways clear to the bathroom and hallway are also important or preventing accidents. Placing smoke detectors near bedrooms helps to ensure that they will be heard in the event of a fire.

Outdoor area

When outside the home, it is harder to control what is and is not safe. Directly outside of the home, however, may still be adjusted for safely. Like inside the home, it is important to look for areas that can cause a person to trip and fall or that otherwise creates an unsafe environment. Porches and decks, for example, should be well maintained with a railing that is secure. Making changes outside of the home also makes it safe for anyone who may visit.

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Property insurance quotes Premium
Customer 75, SELKIRK, ON
Home, 1975, Detached
Dominion of Canada$446.00
Gore Mutual$516.00
CAA Insurance$714.00
TD Insurance$818.00
Square One$966.00
Range of top quotes$520.00
Customer 42, TORONTO, ON
Condominium, 1991, Low-rise
Square One$445.00
Intact Insurance$509.00
Dominion of Canada$523.00
Gore Mutual$528.00
Range of top quotes$264.00
Customer 62, SCARBOROUGH, ON
Condominium, 1990, High-rise
Square One$289.00
Dominion of Canada$357.00
Intact Insurance$366.00
Gore Mutual$427.00
Range of top quotes$176.00
Customer 39, MARKHAM, ON
Condominium, 2018, High-rise
Dominion of Canada$193.00
Coachman Insurance$201.00
Intact Insurance$250.00
Square One$285.00
Range of top quotes$143.00
Customer 48, SIMCOE, ON
Home, 1978, Detached
Dominion of Canada$751.00
TD Insurance$877.00
Square One$984.00
Gore Mutual$1023.00
CAA Insurance$1070.00
Range of top quotes$319.00
Customer 40, OWEN SOUND, ON
Home, 1986, Semi-detached
Gore Mutual$582.00
TD Insurance$659.00
Dominion of Canada$749.00
Square One$814.00
CAA Insurance$953.00
Range of top quotes$371.00

Customer testimonials

"I have combined my auto insurance with the same company as my home insurance and have saved approximately $700 on a quote given by my last provider. It sure pays to shop around."

Derrick - Ontario

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