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.

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 province in the box on the left, and click on the “Compare” button. Your province will enable us to determine in which Canadian province you’re located and to redirect you to the appropriate 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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Frequently asked questions about home insurance
Is tenant insurance mandatory in Canada?
In Canada, you are not legally obligated to have tenant insurance, also called renters insurance. However, many landlords require proof of tenant’s insurance as a condition of your lease. A tenant insurance policy protects your belongings from damage or loss should anything happen. Many tenant insurance policies also offer liability coverage to protect you in case you cause damage to others. For example, if you forgot to turn off the faucet, and your neighbours were flooded because of you, having renter’s insurance with liability coverage could make the difference between going bankrupt or not.
Is it cheaper to buy home insurance online?
Do home insurance brokers have better prices?
What should condo insurance cover?
Is it cheaper to get home insurance for an unoccupied property?
What is the average price for home insurance in Canada?
Can I get home insurance for a property I rent on Airbnb?
Can my mortgage lender force me to buy home insurance?
What kind of goods are covered by home insurance?
What is the difference between replacement cost and replacement value in home insurance policies?
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