Home insurance coverage you can count on

Additional Living Expenses

We’ll cover your living expenses if you need to relocate while your home is being repaired.

Personal Liability

This includes legal protection if someone is injured on your property, or if their property is damaged. It’ll also cover anyone in your household that’s affected.

Home Improvements

We’ll cover any improvements you make to your home, like an upgraded kitchen.

Home Sharing

You’ll be covered if you rent out your home — or a part of it — on a short-term basis.

Identity Theft

If you or a member of your family has their identity stolen, we’ll pay up to $10,000 to help you through the recovery process.

Guaranteed Replacement Cost

We’ll pay to repair or rebuild your home, even if it exceeds your policy's limits.

Inflation Protection

We’ll increase the limits of insurance to match the rate of inflation.

Change your insurance any time with Onlia’s flexible policies

If you want to update your policy’s coverages: Sign in to My Account, select the policy you’d like to change, and click Change. On the next screen, you can make and submit your changes.

We cover these types of damage to your home:

• Explosions
• Smoke
• Water damage
• Wind and hail
• Riot
• Vandalism
• Falling objects
• Damage caused by vehicles, like cars, aircraft, and watercraft.

See your policy for full details on what you’re covered for.

Multi-home and Airbnb

We provide coverage for short-term rentals for up to 30 days. So, if you occasionally Airbnb your home, you can rest assured that it’ll be covered along with its contents. Note that this won’t cover your renter’s belongings.

Alternative accommodations

If something happens to your home that’s covered under your policy and you can’t live in it for the duration of the claim process, we’ll pay for alternate accommodations and living expenses until it’s repaired or rebuilt. If you move elsewhere, we’ll cover the time it takes for you to settle in your new home. Note: This doesn’t apply to seasonal homes (e.g. your cottage).

Identity theft

If you or someone in your household is a victim of identity theft, we’ll cover the costs associated with recovering data and important documents, up to $10,000.

Outside of the house coverage

Items that are temporarily away from your home anywhere in the world are covered up to a value of $5,000 with your standard coverage. And of course, you can upgrade your policy to be covered even more. Note that belongings in a storage facility are only covered for 30 days — you’ll need to purchase insurance from the facility for coverage beyond that. When you’ve got insurance with us, you can keep your mind on your studies, and not on your stuff. If you’re attending a school, university, or college and are temporarily away from home, your stuff will still be covered.

If you’ve stored items in a unit on the grounds of your condo building, then you’ll be covered for the contents up to your policy limits. However, belongings in an off-site storage facility are only covered for 30 days — you’ll need to purchase insurance from the facility for coverage beyond that.