No Place Like Home
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Save more on home insurance in Ottawa
Get the best home insurance quotes in Canada’s capital city.
Get affordable home insurance in Ottawa
Welcome to Onlia, your go-to for home insurance in Ottawa. We get it, your time is precious and so are your belongings, and especially if you’re shopping for the cheapest home insurance. In the time it takes to boil water, you can snag a personalized home insurance quote from Onlia.
Our commitment to quick and easy home insurance extends beyond getting a great quote. With Onlia, we make each step of the journey simple and easy to understand. From the moment you click-to-buy, you know you’re covered with premium protection at an affordable price.
But we do more than just make sure you have the cheapest rates. In just a few taps, you can make updates and manage your insurance online whenever you want. It is your insurance, after all.
More about home insurance in Ottawa
Safeguarding your home
Home insurance is like bubble wrap for your safe haven, shielding you from life’s unexpected twists and turns.
From protecting against the elements to ensuring your prized possessions are covered, we’ve got your back.
Whether you own or rent, we’re here to make sure your home is your happy place.
We’re always here to help you with questions like:
- Is home insurance mandatory?
While home insurance is not mandatory in Ottawa, most lenders will require that you have it before offering you a mortgage. - What is the average cost of home insurance in Ottawa?
The cost of home insurance in Ottawa can vary based on several factors including the location of your home, its size, construction type, and the coverage you choose. The average rate, homeowners in Ottawa can expect to pay anywhere from $603 to $1,904 annually for home insurance.
Home insurance, clarified
Why do you need home insurance?
Home insurance isn’t mandatory in Ottawa, but most lenders require you to have it before you get a mortgage. Home insurance helps you protect the investment in your home, your personal belongings, and provides liability coverage.
What does home insurance cover?
You can be sure you’re covered for various types of damage to your home, including damage due to frozen pipes, fire and smoke, as well as loss due to theft or break-in.
Home coverages that keep you protected
Onlia makes home insurance in Ottawa simple, so you know exactly what you’re paying for and how you’re covered.
We cover accommodation and living expenses for you and your family if something happens to your home that makes it unfit to live in.
Fire and smoke are common culprits of property damage. If they occur, we’ll make sure it’s repaired or replaced.
We’ll cover damage to your pipes if they freeze during colder months (as long as your home is occupied).
Coverage for your belongings, like appliances, electronics, and furniture if they’re stolen or damaged at home or some place else.
Occasionally rent out your place through Airbnb or another home-share service? We’ll cover your property.
Comprehensive overland water protection, covering flooding and sewer backup.
Want more protection for valuables like bicycles, jewellery, or artwork? We cover up to $10,000.
Extreme weather can hit hard. No matter what kind of storm rolls in, you’re protected.
Legal protection if you’re sued due to someone else's injury or property damage, even if it happens in another country.
If you or someone in your household is a victim of identity theft, we’ll help you through the recovery process.
What to know when choosing home insurance in Ottawa
Home insurance can cover the structure of your home, its contents, the property, and any secondary structures (like a guest house or a pool shed). What your policy covers will depend on the type of home you have, as well as the coverage and optional endorsements you choose.
If you own a condo, your home insurance will typically cover any improvements you make to your unit and your belongings. If you’re renting, your policy will protect your belongings but won’t cover the structure of your home or the property itself.
Mortgage insurance protects the lender in case a borrower is unable to repay their home loan.
There are two types:
- Private Mortgage Insurance (PMI) is required if you make a down payment of less than 20% on a conventional mortgage.
- Mortgage Loan Insurance (MI) or Mortgage Default Insurance is often required for high-ratio mortgages (down payment less than 20%). The Canada Mortgage and Housing Corporation (CMHC) and other providers offer this insurance to protect lenders against borrower default.
Speak to your financial advisor or mortgage agent for more information on mortgage insurance.
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