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Do You Need
Home Insurance?

Without insurance, you might not be prepared when the unexpected happens. It’s easy to think that you’ll figure something out if something bad happens, but that’s rarely the right approach.

The costs of a damaged home can quickly add up. If you don’t have home insurance, those costs will come out of your bank account. This could cause significant financial hardship for you and your loved ones.

While having home insurance isn’t a requirement, it is highly recommended for the potential protection it may offer in the future if something were to go awry.

How Home Insurance Works

Say your home and belongings get damaged in an unexpected flood. You and your family are put on in a hotel, waiting on home repairs, and hoping that your most prized possessions are intact. But then you add up the costs of the repairs, replacing damaged clothes, staying in a hotel, and more. Who’s going to cover that cost?

With private home insurance, you pay a monthly premium to maintain coverage of your home and belongings. Then, if a disaster occurs, your insurance company will cover some or all of the costs of repairing your home and replacing damaged items. Without insurance, these costs would likely come out of your pocket.

What Does Home Insurance Cover?

Home insurance helps protect your home and its contents from loss, damage or theft. The insurance might also cover the living expenses if you’re unable to live in your own home for a while.

Your home insurance might also cover damage, loss, or theft of your personal items or propriety stolen from your vehicle. Some insurance policies might also cover the accidental damage you cause to others or their property.

How Much Does Home Insurance Cost?

The costs of your home insurance are determined by several factors, such as:

  • The type of residence you’re insuring, such as a single family home, condo, rental property, seasonal residence, etc.
  • The characteristics of your residence, such as its age, size, location, the materials it’s made of, its replacement value
  • The distance between your residence and a fire hydrant or station
  • Your claims history
  • Your budget
  • Other factors

At Insurdinary, we help you get connected with affordable home insurance plans to you can find the coverage you need at a price you can afford.

Get Covered With Home Insurance Today

Save time and find the right home insurance today. At Insurdinary, we help you get the best home insurance for your property. Be protected in the case of natural disasters, home damages, accidents, and more.

Insurdinary helps you connect with some of the country’s leading insurance companies so you can get the best rates for any type of home insurance policy you might need.
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Get a FreeHome Insurance Quote Online

Is your home protected? Get home insurance and protect your home from the unexpected.

Insurdinary makes it easy to compare different plans and rates online with our free quote tool. Simply enter your information and get quotes from Canada’s top providers sent straight to your inbox.

There’s no time to wait when it comes to protecting your home, family, and belongings. Get personalized home insurance quotes directly in your inbox.
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How to Save Money
on Your Home Insurance?

Are you looking for affordable home insurance policies? Here are some tips to help you save time and money.
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Compare Multiple Rates

Don’t accept the first quote you get without looking for alternatives. Get quotes from multiple providers and select the most affordable one.

Ask for Discounts

Once you find a policy you might want, ask the provider if any discounts are available.

Get Bundles

Providers often offer insurance bundles at lower rates. Try to bundle your car and home insurance together to get a better price for both.

Find The Right Balance

Cheaper is not always better. Compare coverage plans and select the one that offers the best coverage for your needs at an affordable price.

Get Liability Coverage

Even if your home is safe, accidents can still happen. And if someone is accidentally hurt in your home, you might be on the hook for medical or legal costs. Liability coverage can protect you if this ever happens.

Types of Home Insurance Coverage

Coverage represents the maximum amount of money the insurance company will reimburse if you make a claim for an event or a loss covered by your policy. Depending on their coverage, home insurances can be classified as:

Personal Property Coverage Insurances

This type of coverage protects you from loss or damage to your car, home, or personal belongings.

Liability Coverage Insurances

Liability coverage protects you from legal liability you might face for injuring other people or damaging their property.
Depending on how much coverage they offer, home insurances can be classified as:


This type of coverage protects you from loss or damage to your car, home, or personal belongings.


Broad policies provide a good level of coverage, and they are called board-form policies. These policies cover all the risks for your home, but only some risks to your possessions.


Standard policies provide less coverage than comprehensive or broad ones, and they are called basic or perils policies. They only cover the risks to your home and possessions that are mentioned in your policy.


No-frills policies offer very basic coverage for your home, and might not cover the risks to your possessions.

Find The Right Type of Insurance for Your Home

Having a home insurance guarantees that your provider will cover a significant portion of the costs that come with home damages. This saves you from having to pay hundreds of dollars or more out-of-pocket.

Get in touch with the top insurance companies in Canada and find the right insurance today. With Insurdinary, you can rest assured knowing that you’ll get the most affordable coverage, no matter what. Enter your information and get customized quotes directly in your inbox. It’s that easy.
Protection for your home and possessions
Recuperate the costs of damaged goods
Liability coverage
Legal fees
Great coverage
Low monthly payments
And More...
Compare home insurances to find the right coverage you and your family need.

Home Insurance
Frequently Asked Questions (FAQ)

Is home insurance right for you? Get all of your important questions answered in our FAQ section below.

What is home insurance?

Home insurance is a type of insurance that covers a portion or all of the costs associated with making repairs on your home or paying to replace damaged personal belongings. When you have home insurance, your provider covers a portion or all of the costs (versus you having to pay for all damages out-of-pocket).

How does home insurance work?

After signing up for a home insurance plan, you will be required to pay a premium (typically monthly) in order to maintain coverage. In the event that your home and/or belongings are damaged, you can file a claim with your provider. Your provider will then cover a portion or all of the costs that come with repairing your home, replacing damaged items, and even legal fees if someone is injured on your property.

Why have home insurance?

For a low premium, you can maintain coverage over your home in case a disaster or accident occurs. Rather than paying to fix the damages yourself, your provider will cover some of these costs for you. This could save you hundreds to thousands of dollars, saving you from potential financial hardship.

What does home insurance cover?

Most home insurance policies offer 4 types of cover: dwelling, structures, personal belongings, and liability coverage. Under these categories, your policy will likely include coverage for home damages (fire, extreme weather), structures (garages, sheds, and fences), belongings (clothes and electronics), and liability (legal and/or medical fees if someone is injured on your property). However, policies may differ depending on the provider.

What determines the cost of home insurance?

There are a variety of factors home insurance companies consider when determining your insurance premium. Some of these factors include where you live, age of home and roof, your claims history, the cost to rebuild your home, proximity to a fire station, and more. When you sign up with Insurdinary, you get the chance to discuss all of these details with your chosen provider.

Where can I get quotes for home insurance?

If you are looking for home insurance in Canada, it’s best to start your search online. Fortunately, Insurdinary gets homeowners connected with the lowest rates on home insurance, fast. Simply sign up for quotes on our website to get plans and prices sent straight to your inbox.

How do I save money on home insurance?

The best way to save money on home insurance is to compare rates and prices from multiple providers. Insurdinary makes this easy by sending you quotes from Canada’s best home insurance companies all at once. Compare plans side by side to choose the most comprehensive yet affordable plan for you.

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on Other Types of Insurance

Are you looking for another type of insurance coverage? Get quotes for all the types of insurance policies available in Canada.
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Get the home insurance coverage you need at an affordable price. Choose the right coverage plan for you by comparing quotes online.
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