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Home Insurance Canada 2026 — Instant Estimates
Home insurance covers replacement cost, contents and liability. BC averages $1,500-2,200/year, ON $1,200-2,000. Enter an address to auto-fill property data and estimate rebuild cost.
⚡ Minimal input: A postal code
2026 sample rates
Estimates computed by the rate engine — ranges across all carriers
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Insurance pricing depends heavily on underwriting details (health, driving record, property specifics), so your actual premium usually lands within this estimated range. · /yr
What affects your premium
- ✓Rebuild cost: sqft × unit cost × age/region factors
- ✓Deductible: $500-$5,000 — higher deductibles lower premiums
- ✓Province & city risk factors; BC data down to postal code
By region
BCVancouverSurreyVictoriaAbbotsfordBurnabyRichmondCoquitlamLangleyNorth VancouverNew WestminsterKelownaTorontoBramptonMississaugaVaughanMarkhamRichmond HillOttawaHamiltonLondonKitchenerWaterlooWindsorOshawaBarrieKingstonGuelphSudburyCalgaryEdmontonRed DeerLethbridgeMedicine HatGrande PrairieFort McMurrayAirdrieSt. AlbertSherwood ParkBanffSaskatoonReginaPrince AlbertMoose JawSwift CurrentYorktonWinnipegBrandonThompsonSteinbachPortage la Prairie
Home insurance: complete guide
Replacement cost, coverage, deductibles and city pricing
Home insurance calculator
Postal code / address → property data → rebuild cost & premium
Rate data
Get my instant estimate
Free · as fast as 30 seconds · multiple carriers