{"id":392701,"date":"2024-06-28T09:03:00","date_gmt":"2024-06-28T13:03:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=392701"},"modified":"2026-03-31T16:22:07","modified_gmt":"2026-03-31T20:22:07","slug":"homeowners-insurance","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/homeowners-insurance\/","title":{"rendered":"What is homeowner&#8217;s insurance in Canada?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Whether you own a house, a condo, a cottage or a rental property you live in, <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">homeowner&#8217;s insurance<\/a> helps protect your property and personal belongings against the damages and insured loss. In this article, we explain what homeowner\u2019s insurance is, as well as the different levels of coverage, the differences with <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/homeowner-insurance-canada\/\">home insurance<\/a>, and the tools to <a href=\"https:\/\/milesopedia.com\/en\/compare-home-insurance\/\">compare home insurance policies<\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;What is homeowner&#039;s insurance?&#8221; css=&#8221;&#8221; el_id=&#8221;what_is_homeowner_039_s_insurance_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p><a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">Home insurance<\/a> is not legally required in Canada. However, mortgage lenders require it for properties that are not fully paid up. That said, homeowner&#8217;s insurance is essential to protect your property, personal belongings and potential liability claims.<\/p>\n<p><strong>Homeowner insurance<\/strong> covers homeowners with or without a mortgage, condo owners, cottage owners and owners of rental properties (which they live in).<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"175447,179984,179990,210622,210618,382835,179998,179994,179973\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t\t\t\t<button type=\"button\" class=\"deferred_button\" data-page=\"1\" data-per_page=\"4\">\n\t\t\t\t<i class=\"fas fa-spinner-third fa-spin\"><\/i>\n\t\t\t\tLoad More\t\t\t<\/button>\n\t\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;What&#039;s the difference between homeowner&#039;s and landlord&#039;s insurance?&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;what_039_s_the_difference_between_homeowner_039_s_and_landlord_039_s_insurance_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/homeowner-insurance-canada\/\">Landlord insurance<\/a> differs from <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">homeowner insurance<\/a>. Of course, the choice between the two types of insurance depends on whether or not you occupy the property. However, the coverages also differ.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Here are the main differences:<\/p>\n<ul>\n<li><strong>Landlord&#8217;s insurance<\/strong>: Landlord&#8217;s insurance is sometimes called non-occupant owner insurance. It protects a rental property <strong>that you do not live in<\/strong>. The coverage includes loss of rental income due to an insured event, damage to the building, in addition to the protections found in standard home insurance.<\/li>\n<li><strong>Homeowner&#8217;s insurance: <\/strong> Insurance for homeowners is simply called home insurance. It protects homeowners, condo and rental property <strong>you live in<\/strong>, against theft and claims. It covers property, personal belongings and civil liability. This is the insurance we explain in this article.<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210618,175447\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;What is covered by homeowner&#039;s insurance?&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;what_is_covered_by_homeowner_039_s_insurance_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Owner-occupied insurance policies in Canada are quite comprehensive. They cover the items below, but you can also add additional protections.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Standard protections include&nbsp;:<\/p>\n<ul>\n<li><strong>Dwelling<\/strong>: Protection of the physical structure of your property, including foundations, walls, roof and detached structures (e.g. deck, shed, etc.).<\/li>\n<li><strong>Personal belongings<\/strong>: Protection against loss or damage to your personal effects (furniture, clothing, jewelry, electronics, art, etc.) due to covered risks.<\/li>\n<li><strong>Civil liability<\/strong>: Protection against possible legal action for accidental injury or property damage.<\/li>\n<li><strong>Living expenses <\/strong>: Financial protection for expenses incurred if you have to leave your property temporarily due to a loss (e.g., hotel accommodation).<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Optional coverage includes&nbsp;:<\/p>\n<ul>\n<li>Water damage: Protection against water-related damages, such as sewer backups (e.g., sewer and septic systems), surface water (e.g., rain and snowmelt), above-ground water (e.g., leaks through the roof, doors, and windows), and water leaks.<\/li>\n<li>Identity theft: Protection against identity theft and fraud, covering legal fees and the restoration of your identity.<\/li>\n<li>Earthquakes: Protection against damage caused by seismic activity.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">For each of these coverages, conditions and limits apply. For example, the types of damage covered and the amounts insured. Check with your insurer.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;What are the different types of insurance and their levels of protection?&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;what_are_the_different_types_of_insurance_and_their_levels_of_protection_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">There are three types of home insurance, and they differ in their level of protection:<\/p>\n<ul>\n<li><strong>Basic home insurance<\/strong>: Protection limited to the risks covered by your insurance policy. It&#8217;s affordable, but it doesn&#8217;t cover all damage.<\/li>\n<li><strong>Comprehensive home insurance<\/strong> (all risks): The broadest coverage, including fire, theft, vandalism, natural disasters and civil liability. It&#8217;s more expensive, but offers optimum protection for your home and personal belongings.<\/li>\n<li><strong>Extended home insurance<\/strong>: Compromise between basic and comprehensive coverage. It is not as comprehensive as full home insurance, but it offers relatively broad protection at an affordable price.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>If necessary, don&#8217;t hesitate to talk to an insurance agent or a property and casualty insurance broker like <a title=\"ClicAssure\" href=\"https:\/\/milesopedia.com\/en\/go\/clicassure\/\" rel=\"noindex\">ClicAssure<\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;What influences homeowner insurance premiums?&#8221; css=&#8221;&#8221; el_id=&#8221;what_influences_homeowner_insurance_premiums_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Several factors influence the cost of owner-occupied insurance premiums in Canada, including:<\/p>\n<ul>\n<li>Type of property (house, condo, etc.)<\/li>\n<li>Type of coverage (basic, extended, comprehensive)<\/li>\n<li>Amount of insurance and deductible<\/li>\n<li>Location of your home<\/li>\n<li>Value of your home<\/li>\n<li>Value of your personal belongings<\/li>\n<li>Insurance claim history<\/li>\n<li>Types of damage and claims covered<\/li>\n<li>Additional insurance coverage<\/li>\n<li>Limits and conditions of your insurance policy<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;How can you reduce your homeowner&#039;s insurance premiums?&#8221; css=&#8221;&#8221; el_id=&#8221;how_can_you_reduce_your_homeowner_039_s_insurance_premiums_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Admittedly, <strong>owner-occupier insurance premiums<\/strong> vary from person to person, as they depend on several factors. But you can save money and <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/cheap-home-insurance-rates-canada\/\">pay less for your home insurance <\/a>with the following tips:<\/p>\n<ul>\n<li><strong>Bundle your insurance policies<\/strong>: when you bundle your home insurance with your <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> on the same policy, you can save. For example, you can save up to 15% when you combine your car and home insurance with our partner <a title=\"ClicAssure\" href=\"https:\/\/milesopedia.com\/en\/go\/clicassure\/\" rel=\"noindex\">ClicAssure<\/a>.<\/li>\n<li><strong>Increase your insurance deductible<\/strong>: you can reduce your insurance premium when you increase your insurance deductible.<\/li>\n<li><strong>Maintain your home<\/strong>: when your home is well maintained, you can save money. Some events are beyond your control, but regular maintenance can reduce your insurance costs. For example, annual maintenance costs generally represent 3-5% of your home&#8217;s value.<\/li>\n<li><strong>Compare home insurance premiums online<\/strong>: you can use our <a href=\"https:\/\/milesopedia.com\/en\/compare-home-insurance\/\">home insurance comparator<\/a> to get several homeowner&#8217;s insurance quotes.<\/li>\n<li><strong>Pay your insurance premium in one lump sum<\/strong>: when you pay your home insurance premium for the year in one lump sum, many insurance companies offer a discount. What&#8217;s more, you could even <a href=\"https:\/\/milesopedia.com\/en\/guides\/strategies\/tips-unlock-bonus\/\">unlock credit card sign-up bonuses<\/a>.<\/li>\n<li><strong>Maintain a good credit score<\/strong>: a <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/good-credit-score-canada\/\">good credit<\/a> score confirms to the insurer that you are able to pay your premium on time. If so, authorize your insurer to run a credit check, which will save you money.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;How do I take out homeowner&#039;s insurance?&#8221; css=&#8221;&#8221; el_id=&#8221;how_do_i_take_out_homeowner_039_s_insurance_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Before purchasing <strong>homeowner&#8217;s insurance<\/strong> or renewing your current policy, compare several quotes. Check the conditions, exclusions and coverage in the event of damage for each insurance company. To make this task easier, use our <a href=\"https:\/\/milesopedia.com\/en\/compare-home-insurance\/\">online comparator<\/a> to compare home insurance quotes based on your specific needs.<\/p>\n<p>That said, insurance is a complicated business. So don&#8217;t hesitate to ask a professional for advice. For example, you can contact a damage insurance broker like <a title=\"ClicAssure\" href=\"https:\/\/milesopedia.com\/en\/go\/clicassure\/\" rel=\"noindex\">ClicAssure<\/a>. They have access to several insurance companies and exclusive discounts. Hence, they can then present you with the best offer available on the market. On the other hand, an insurance agent only has access to the products of the insurance company they work for.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; css=&#8221;&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In short, <strong>homeowner&#8217;s insurance<\/strong> protects your property and personal belongings against unforeseen events and claims. Although it is not legally required in Canada, <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">home insurance<\/a> is, in our opinion, essential for owners of houses, condos, cottages, and rental properties.<\/p>\n<p>Finally, try our <a href=\"https:\/\/milesopedia.com\/en\/compare-home-insurance\/\">home insurance comparison<\/a> tool to find the best policy for your needs.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Frequently asked questions about homeowner&#039;s insurance&#8221; css=&#8221;&#8221; el_id=&#8221;frequently_asked_questions_about_homeowner_039_s_insurance&#8221;][vc_toggle title=&#8221;What type of insurance should I choose as a homeowner?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>If you live in the property or one of its units (owner-occupier), you must choose <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">home insurance<\/a>. On the other hand, if you don&#8217;t live in the property (non-occupant owner), you must choose <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/homeowner-insurance-canada\/\">landlord&#8217;s insurance<\/a>.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Is home insurance mandatory in Quebec?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p><a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">Home insurance<\/a> is not legally required in Quebec or elsewhere in Canada. However, mortgage lenders require it for properties that are not fully paid up. That said, homeowners insurance and tenants insurance is essential to protect your personal belongings and your civil liability.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Why take out homeowner&apos;s insurance?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/real-estate\/tips-for-buying-first-home-canada\/\">Buying a home<\/a> is usually the biggest investment of your life. However, to protect your home and personal belongings in the event of a claim, you need <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">home insurance<\/a>. Additionally, if you are a non-owner-occupied property owner, <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/homeowner-insurance-canada\/\">landlord insurance<\/a> also covers the loss of rental income following an insured event.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Should you buy tenants insurance or homeowners insurance?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>The choice of home insurance differs if you rent or own a property. Tenants must choose <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/tenant-insurance-canada-2\/\">tenant&#8217;s insurance<\/a>, while owners must choose between <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">homeowner&#8217;s insurance<\/a>, <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/condo-insurance-coverage-canada\/\">condo insurance<\/a> or <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/homeowner-insurance-canada\/\">landlord&#8217;s insurance<\/a> (if they don&#8217;t live in the rental property).<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Who isn&apos;t required to insure their home?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Owners of fully paid-up homes are not legally required to buy home insurance.<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Homeowner&#8217;s insurance differs from landlord&#8217;s insurance. In this article, we explain these differences as well as the different levels of coverage.<\/p>","protected":false},"author":2488,"featured_media":394242,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[46377],"tags":[],"mc_loyalty_program":[],"class_list":["post-392701","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","mc_market-all-of-canada"],"acf":{"post_series":false,"mc_series_order":"","mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is homeowner&#039;s insurance in Canada? 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