Compare Home Insurance in Canada

You could save hundreds of dollars each year by comparing prices before you buy insurance for your house, condo, or apartment.


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How to shop for your next home insurance policy with Hardbacon

Comparing the prices of several insurers before choosing a home insurance policy can save you hundreds of dollars each year. Here are the 4 steps to follow.

Tell us where you are

The first step is to enter your postal code in the box on the left and then click the Compare button. Your postal code lets us determine which Canadian province you are located in and helps us direct you to the right insurance partner.

Tell us more about yourself

The second step is to fill out our partner's application, which starts by asking for contact as well as other personal information necessary for a home insurance quote.

Tell us more about the type of coverage you are looking for

The third step is to answer what type of coverage you want to get. It's at this stage that you specify the type of home insurance, the amount of coverage, the value of your possessions, the amount of deductible, etc.

Tell us more about the property you want to insure

The fourth step before submitting your request is answering questions about the property you want to insure. It is at this point that you tell us if you have a swimming pool, how far you are from the nearest fire station, etc...

Some hints to save money on your next Canadian home insurance policy

Properly estimate the value of your possessions

It is easy to over estimate the value of your furniture and other personal effects. In order to lower the price of your policy, figure out how much it would cost you to replace your possessions and then limit your coverage to that amount.

Combine your home and auto insurance

Many insurers offer their clients rebates when they bundle their home and auto insurance policies. Before buying your home insurance, make sure to ask your broker or your insurance provider if you are eligible for this rebate.

Opt for a $1000 deductible

The reason we buy insurance is to avoid finding ourselves in a situation where we can't meet important financial commitments. With home insurance, we are generally talking about losses totalling in the hundreds of thousands of dollars. From that perspective, the difference between a deductible (the lowest claimable amount) of $500 and $1000 is minimal. Also, insurers will charge you more for a policy with a only a $500 deductible.

Never let your policy renew without renegotiating first.

Insurers offer competitive prices to new policy holders and tend to raise the price at renewal. Insurance providers profit from consumer inertia since the policy will automatically renew unless the client informs the insurer that they plan to terminate coverage. When its almost time to renew, make sure to use a home insurance comparison tool like Hardbacon's to research the best price. This way you can renegotiate with your insurance provider. If they don't offer a competitive price, there is nothing stopping you from switching companies.

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