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Home insurance
Get coverage for the things you love
with home insurance.
Your home, and the things inside it, is one of your biggest assets. We’re here to help you find coverage for it.
Get a quote
How we offer competitive rates
As a broker, we search across a range of trusted insurance providers, to find the coverage that best fits your needs and budget.
Why is home insurance important?
Why is home insurance important?
It’s the main way to help cover one of your most significant financial investments.
Many mortgage lenders require you to provide proof of insurance before they lend you money to buy a home.
Buy your home insurance in 3 easy steps.
1
Answer questions about your occupancy type, property, and personal info to get an accurate online quote.
2
Customize your coverage if needed.
3
Confirm your details and proceed to pay online to finalize online purchase.
Save on coverage,
and earn PC Optimum™ points.
Save up to 35%†.
PC Optimum™ members save more when they bundle their home and auto insurance and combine with other available discounts. Only need coverage for one? You can still save!
Learn more
Earn 2x the points.
You can earn 2x the regular PC Optimum™ points* for every dollar spent when you pay your premium with your PC® Mastercard®.
Get wall-to-wall coverage
Get customized coverage for your home and your stuff.
Have questions? Our licensed insurance advisors are here to help.
Basic coverage
Home
Coverage of your home may cover perils like theft, vandalism, wind, lightning, fire, smoke, some water damage, falling objects, explosions and vehicle impact.
Personal Property
Most policies cover your personal belongings, like clothing, electronics, appliances and furniture. There are limits on the amount and the types of items that are covered. For example, cash, computers, jewellery, musical instruments, fine art, coin, stamp or card collections and bicycles may require additional coverage.
Personal Liability
This type of coverage can cover damage that you or someone covered by your insurance policy are responsible for causing to someone else, including injuries or damage to property.
Living Expenses
Should something happen to your home due to an insured peril and it becomes unlivable, then your living expenses, like hotel accommodations, can be covered until it’s repaired.
Optional coverage
Sewer Backup
Overland Water
Home-sharing
Earthquake
Identity Theft
Explore home insurance discounts.
Check out the savings you may qualify for.
Discount options eligibility criteria and availability vary by province and insurer.
Multi-property Discount
If you insure all your properties with the same insurance provider, you may be eligible for savings on your premiums.
Claims-free Discount
If you’ve never made a claim or haven’t made one in a while, you may qualify for savings.
Non-smoker Discount
If everyone living in your home is a non-smoker, you may be eligible to save on insurance.
Age Discount
Some insurance providers offer discounts to older homeowners. The eligibility age varies between providers.
Mortgage-free Discount
If you don’t have a mortgage or a secured line of credit on your home, you may qualify for savings.
FAQs
Home insurance can cover your home and its contents in the case of theft, loss or damage to the inside and outside of your home or property.
It could also help you cover additional living expenses if you're temporarily unable to live in your home such as living in a hotel or a rental home.
Typically, you would purchase home insurance before closing on your newly purchased home.
This ensures that you have coverage on your new property from any incidents that may occur.
In certain circumstances, a financial institution won’t fund a mortgage or line of credit before your home is insured.
Make sure to ask questions about your home insurance needs with your mortgage advisor, financial institution or financial specialist when you are buying a property.
Once you understand your home insurance needs, an insurance company will normally pre-approve the policy and then wait for your closing date to send your proof of insurance.
Some insurance policies require that you estimate the total value of your possessions and the building itself.
Speak with our insurance brokers to determine your insurance needs.
Yes! You can earn 2x the regular PC Optimum points* for every dollar spent at PC® Insurance if you pay your premiums using your President's Choice Financial Mastercard.
All purchases with the PC Financial® Mastercard® earn a minimum of 10 PC Optimum points per dollar. When you pay your PC® Insurance home or auto insurance premium with your PC Financial® Mastercard®, earn 20 PC Optimum™ points per dollar. Minimum redemption is 10,000 PC Optimum™ points (worth $10 in free rewards) and in increments of 10,000 PC Optimum™ points thereafter, at participating stores where President's Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details and full store list.
Home insurance by province.
Looking for other insurance?
†By combining the following discounts from participating insurers, as follows: (i) the discount offered to PC Optimum™ members in good standing off the applicable insurer’s base premium excluding any endorsements or extended coverages (ii) the bundled discount for purchasing both your home and auto insurance with the same insurer through PC® insurance and (iii) the claims-free and convictions-free discounts if you qualify, subject to regional availability. Total savings of up to 35% is in comparison to the base premium excluding any endorsements or extended coverages from the participating insurer you would have paid if these discounts were not applied. Valid only for new customers or renewals; does not apply to current policies. PC® auto and home insurance products are available only in Alberta, New Brunswick, Newfoundland & Labrador, Nova Scotia, Ontario, and Prince Edward Island. The PC Optimum™ program is provided by President’s Choice Services Inc.
*All purchases with the PC Financial Mastercard® earn a minimum of 10 PC Optimum points per dollar. When you pay your PC Insurance home or auto insurance premium with your PC Financial Mastercard®, earn 20 PC Optimum points per dollar. Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards) and in increments of 10,000 PC Optimum points thereafter, at participating stores where President's Choice products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details and full store list.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President's Choice Bank is a licensee of the marks.