🏡 Home Insurance in Ontario, Canada

Protecting Your Biggest Investment

Your home is more than just a property — it’s where your life happens. At Solutions Insurance Group, we provide tailored home insurance solutions to protect your house, your belongings, and your peace of mind.

🔎 What Is Home Insurance?

Home insurance is a contract between you and your insurer that protects against financial loss if your home or belongings are damaged, destroyed, or stolen. It also provides liability coverage if someone is injured on your property.

Coverage may include:

1. 🏠 Repairs or rebuilding after fire, water, wind, or other insured damage
2. 🛋️ Protection for furniture, electronics, clothing, and personal belongings
3. ⚖️ Liability coverage if a guest is injured on your property
4. 💡 Additional living expenses if you must live elsewhere during repairs

📝 Is Home Insurance Mandatory in Ontario?

• By law: Home insurance is not mandatory in Ontario.
• By lenders: If you have a mortgage, your lender will require you to carry home insurance.
• Best practice: Even if you own your home outright, insurance is highly recommended to protect against unexpected losses.
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🌟 Standard Home Insurance Coverages

Most Ontario home insurance policies include:

1. Dwelling Coverage – Protects the physical structure of your home
2. Contents Coverage – Protects your belongings inside the home
3. Liability Protection – Covers injury or damage you are legally responsible for
4. Additional Living Expenses – Pays for temporary housing if your home becomes unlivable

🌟 Optional Coverages You Can Add

1. Depending on your location and lifestyle, you may add:
2. Sewer backup coverage
3. Overland flood coverage
4. Earthquake coverage
5. High-value contents coverage (jewelry, art, collectibles)
6. Identity theft protection

🛡️ Why Use a Broker for Home Insurance?

Every home is unique — and so are its risks. Our brokers:

• ✅ Compare rates from Ontario’s top insurers
• ✅ Customize coverage for your property, location, and lifestyle
• ✅ Make sure you’re not underinsured when you need protection most