Home Insurance
Protect your liability and your most valued assets
The minute someone sets foot on your property you become responsible for their safety. From unexpected injuries to damage in a rental, Onest Insurance keeps you protected so you can focus on the moments that matter at home.
Why do you need habitational insurance?
If damage happens to a building you rent or to someone else's property, or if a visitor is injured within your space, you may be liable. Home insurance transfers that risk so an accident doesn't become a financial crisis.
Onest Insurance partners with leading insurers across Ontario. When you request a quote, you are paired with an experienced broker who answers questions, spots coverage gaps, and keeps the process straightforward from first inquiry to renewal.
What habitational insurance covers
No two policies are identical. Limits, exclusions, and endorsements adjust to match how you live and the insurer you choose. We tailor coverage that reflects your priorities.
Choose the Right Level of Protection
Comprehensive home insurance covers more situations than named-perils policies, offering broader protection than basic or no-frills options. We'll guide you to the balance that fits how you live and what you value most.
Understand Covered Perils
Perils describe the events your policy covers—fire, lightning, theft, vandalism, water damage, and more. Knowing which perils are included helps you avoid unwelcome surprises during a claim.
Safeguard Your Liability
Third-party liability coverage responds when someone is injured on your property or when you accidentally damage another person's property. This protection follows you worldwide, not just at your home.
Protect Belongings and Daily Life
Policies include coverage for personal property and additional living expenses if a claim forces you temporarily out of your home. We help you align limits with the actual value of what you own.
Add Optional Protection
Earthquake coverage, sewer backup protection, or scheduled coverage for high-value items like jewelry can be added when needed. Optional endorsements ensure treasured possessions are properly protected.
Flexible Deductible Options
Adjust your deductible to balance premium costs with out-of-pocket expenses during a claim. A higher deductible often means lower premiums, while a lower deductible provides more immediate financial relief.
Guidance at every step
Your Onest Insurance broker stays with you through onboarding, renewal, and claims. We compare policy options, recommend smart add-ons, and help you save without compromising what matters most.
Condo owners and tenants
Different living arrangements mean different responsibilities. We simplify what needs to be protected so you can move forward confidently.
Condo Owners
Condo owners insure their personal liability, belongings, and any upgrades within their unit. You will also contribute to the condo corporation's master policy, which protects the building structure and common areas.
Tenants
Renting a house, condo, or apartment? Tenant insurance covers your liability, personal property, and additional living expenses if a claim forces you to relocate. Students may already be protected by a parent's policy, and we can confirm that for you.
Have questions about seasonal cottages, mobile homes, or rental properties? Call an Onest Insurance broker at 905.472.5666
Get Your Quote
Share a few details and we'll prepare personalized home insurance options from leading Canadian insurers