You Can Compare Home Insurance Quotes Online

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Shop for the Cheapest Insurance Rates on Home Insurance

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There is nowhere quite like home! Its where you feel most comfortable, where all your memories are. Help to ensure those memories are always good by getting an amazing home insurance policy with ShopInsuranceCanada.ca. We bring Canadians the most affordable and best home insurance coverage from leading carriers across the country.

Customers can compare between a selection of home insurance quotes in the time it takes to boil a kettle!

Why is home insurance important?

One of the most interesting things about home insurance is that some customers still don’t think they need it, even though your house is probably the most valuable thing you own. Taking out a homeowners policy means you are protecting the one possession that makes up the bulk of your net worth. A good policy can cover the property, its contents, and other assets from liability claims, fire, natural events, theft, and more.

Unfortunately, unpredictable things happen and your home could end up damaged. A solid home insurance policy means you do not have to worry about footing the bill. Also, in Canada, home insurance is often a requirement for taking out a mortgage. If you must have a policy, it is best to find the best coverage for you, at the most affordable price possible. That’s where Shop Insurance Canada can help.

Why compare house insurance quotes with Shop Insurance Canada?

By entering a few simple details into our quote engine, you can find the best rates for policies in your area. Use our fast and accurate tool to see the best house insurance quotes currently available. By comparing quotes, you could save hundreds of dollars on your house insurance coverage.

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Affordable

With the ShopInsuranceCanada.ca quote engine, you can get the most competitive prices from over 25 of the country’s leading car insurance providers. Our system always looks for the cheapest quotes based on the criteria you choose during the quote-filling process.

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Speed

The Shop Insurance Canada rating system was designed to mix speed, ease of use, and accuracy to deliver the most potent comparison tool online. Our form takes seconds to fill in and you can usually have a quote within 30 seconds.

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Free

You shouldn’t have to pay for a simple comparison. Our quote system is completely 100% free, letting you see quotes without having to spend anything. You can use our engine multiple times and there is never an obligation to buy a policy. Of course, this is ideal for car owners looking to insure a vehicle, but it is also a perfect tool for customers who are buying a new car and want to know how much it would cost to insure.

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Easy

The speed of our tool is possible because it is just so easy to use. Our questions are easily understandable and answering them is as simple as selecting an option from a drop down menu. Our tool is optimized for PC and mobile, so you can get a quote wherever you are.

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Fair

We work for the customer and not for insurance companies. It is in our interest to assure our users the cheapest deals possible. In fact, it is the insurance providers who are competing for you, not you competing for them!

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Secure

These are unsure times when data is passed around by companies and even stolen to be sold on. Shop Insurance Canada knows privacy is important to everyone and we never share your information without your consent.

Is shopping for home insurance important?

Yes, is the simple answer. In today’s connected world, there is really no excuse for ignoring a comparison process. However, studies show that many Canadians still dismiss shopping for coverage and take the first quote they are offered. This is a mistake and these consumers end up paying hundreds of dollars more per year than they should.

Shopping for house insurance in Canada is the only way to ensure you find the very best policy, one that meets your specific requirements, and is available for the most affordable price possible. Protect your home, and do it with the cheapest coverage that suits your expectations.

The home insurance quote process

Compare insurance quotes online with Shop Insurance Canada. Fill in our quote form with details about your property and location. Our tool will present you with a list of affordable home insurance quotes from the leading providers in the country.

Once you select a quote, an insurance broker will reach out via phone and confirm the rate and assist you in setting up the policy. We make shopping for home insurance quick and easy.

What are the types of home insurance in Canada?

bg_home_insuranceComprehensive Coverage – The most complete home insurance policy, this coverage protects a property and its contents through most scenarios, with a few exceptions:

  • Uninsurable Peril: Uninsurable risks that cannot be covered because they could have been prevented. For example, a house built on a known flood plain cannot be insured for flood protection.
  • Optional Risks: Some policy points are optional extras, such as protection against earthquakes.

Named Perils/Normal Coverage – Basic coverage is the most customizable as it allows the customer to name which articles are protected by the policy. Only contents and items named in the policy will be covered in the event of damage. Customers must think carefully about which perils they name on the policy.

Broad Coverage – A middle ground between named perils and comprehensive coverage. This policy affords some comprehensive benefits, such as protection on the property as a whole. However, it has basic coverage elements for property contents.

It is worth noting that some home contents are exempt from a standard home insurance policy, even if it is comprehensive. For example, fine art, jewellery, and other expensive articles will not be covered. These items should have separate and specific policies.

Actual cash value or replacement cost plan?

While both options are available, when taking out house insurance, a replacement cost plan is advised. This policy point covers the replacement of any item damaged and named on the coverage. For example, if a sofa is damaged and needs to be replaced, the insurance company will replace it with one of similar value and quality.

Actual Cash Value (ACV) is riskier. With this coverage, the insurer will instead cover what the value of the damaged item is. If the sofa is five years old, it is unlikely to be worth much and certainly not as much as it was when new.