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What is covered by Ontario home insurance?
A comprehensive home insurance policy by Erie Mutual will cover you and your family from all of the biggest risks.
Each policy includes and protects from:
- Fire Insurance
- Liability Insurance
- Wind damage
- Theft and vandalism
- Fallen trees
- Lightning strikes
- Sewer backup (must qualify)
How much does Ontario home insurance cost?
The average cost of home insurance in Ontario is around $1,200 per year but what each individual home owner pays for home insurance will depend on variables such as:
- Replacement value of home
- Insurance claims history
- Specific location
- Special risks and coverage options
- Whether or not it’s bundled with auto insurance
- If you have your mortgage paid off or not
- Your age
- If your basement is finished or not
- Whether or not you have a pool or hot tub
We suggest you start with a free online home insurance quote using the form on this page so we can put together a quote tailored to your specific needs and situation. You don’t just want the cheapest home insurance, you want home insurance based on what will protect your home for a fair and affordable premium.
We have several discount offers to help save you money that we’ll be glad to go over with you.
Who does Ontario home insurance cover?
In addition to home insurance, we also offer the same great service for:
- Condo insurance
- Apartment insurance
- Landlord insurance (rental properties)
- Cottage insurance (seasonal properties)
- Tenant insurance for renters (seasonal properties)
Why Erie Mutual?
Niagara, Haldimand and Norfolk homeowners have been trusting us to be their insurance provider for over 150 years.
We offer great service while often saving home owners money on their home insurance at the same time.
“Erie Mutual was a great help in quoting me for insurance. Very thorough and best pricing I could find.” – John Haanappel
“I changed my insurance to Erie Mutual not only for the great price, but also the quality of service they provide.” – Karen Wilson,
We go over your unique needs to make sure you’re covered for the risks specific to your home and location.
“The process of switching to Erie Mutual was seamless and the coverage was explained in detail.” – Marlene Stowe
We will make sure you’re covered for the worst case scenarios and that you’re not paying for anything you don’t need.
“What we were able to learn from our free home inspection was very educational regarding the protection of our family.” – Gina McIntee
Get peace of mind knowing you’re protected by a company who genuinely cares, The Mutual Way.