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Request home insurance quotes from licensed brokers

Compare home, condo and tenant insurance quotes without guessing. Read how Canadian insurers set rates, get your details ready, then send one free request and have licensed brokers bring the quotes to you.

Not a quote — and not a broker.NorthPeak Estimates is not a licensed insurance broker. We pass your request to licensed insurance brokers; any quote comes from a licensed provider. Nothing on this page is a quote or an offer of insurance, and no rates are guaranteed.

What affects home insurance rates in Canada

Home insurance premiums reflect the likelihood and cost of a claim on your property. Insurers weigh the following factors:

Location and postal codeFire protection class — distance to a fire station or hydrant — along with local crime rates and regional weather risks such as flooding, ice storms and wildfire, all influence pricing.
The property itselfProperty type (detached house, townhouse, condo unit), rebuild cost, year built, construction materials, roof age and material, heating system, and whether electrical or plumbing has been updated.
Claims historyPast claims, especially recent or frequent ones, can raise premiums. Claims-free history often earns a discount.
Coverage choicesThe deductible you choose, coverage limits, optional endorsements such as sewer backup or overland water, the value of personal property, and your personal liability limit.
Occupancy and useA primary residence is priced differently from a rental property or a vacant home. Condo owners typically insure the unit's interior improvements, contents and liability, while the building itself is covered by the condominium corporation's policy.
Discounts you may qualify forBundling home and auto insurance, being mortgage-free, owning a newer home, having a monitored security alarm or water-leak sensors, and a claims-free record commonly earn discounts — ask each broker which ones they apply.

What to have ready before requesting quotes

The more accurate your details, the more accurate the quotes a broker can prepare. Gather these before you start:

  • Property basics. Address or postal code, property type, approximate year built and square footage.
  • Roof, heating and updates. Roof age and material, heating type (electric, gas, oil — wood stoves can raise premiums or be excluded), and any electrical or plumbing updates.
  • Claims history. Any home insurance claims in roughly the past 5–10 years and their dates.
  • Current coverage. Your current insurer and renewal date, if you have one — brokers can compare against it.
  • Coverage preferences. The dwelling limit you want, deductible you're comfortable with, high-value items (jewellery, bikes, instruments), and the liability limit you need.
  • Occupancy. Whether you own and live in it, rent it out, or it's currently vacant.
Why brokers ask these questions

Every answer changes which insurer's rating model fits you best — a newer roof or a higher deductible can open up different pricing. Having them ready makes the broker's follow-up call short.

How the quote process works

Insurance is sold by licensed insurers and licensed brokers, who are regulated in every province. The process looks like this:

  • You submit the request. Fill in the form below with your contact details and property basics — free, no obligation.
  • A licensed broker contacts you. They confirm details, ask any missing questions and may suggest coverage levels.
  • The broker compares licensed insurers. Unlike an agent who represents one company, a broker can compare multiple licensed providers for your profile.
  • You review quotes and choose. Nothing is bound or paid until you accept a policy directly with the insurer.

Brokers are typically compensated by a commission from the insurer, not a fee charged to you — confirm this with whichever broker contacts you.

Condo, townhouse or rental?

The right coverage depends on what you own:

  • House owners insure the dwelling (rebuild cost), personal property, additional living expenses and liability.
  • Condo owners typically insure interior improvements, contents and liability; the building structure is covered by the condo corporation's policy.
  • Renters need tenant (contents) insurance — your landlord's policy does not cover your belongings.
Mortgage requirement

Most mortgage lenders require you to carry homeowners insurance before they advance the funds — brokers know exactly what proof your lender needs.

Request your home insurance quotes

Free and no obligation. We pass your details to licensed insurance brokers, who contact you with quotes from licensed providers.

Not a quote — and not a broker.NorthPeak Estimates is not a licensed insurance broker. Quotes come from licensed providers only. Nothing on this page is a quote or an offer of insurance, and no rates are guaranteed.

Your name, contact details, city, province and property details are sent via FormSubmit to northpeakestimates@proton.me so licensed insurance brokers can contact you about your request. We do not sell your information. We never ask for your SIN, policy numbers, banking details or health information — do not include them. This site also shows ads served by Google AdSense.

Home insurance quote FAQ

Is this form a home insurance quote?

No. This form collects your details so licensed insurance brokers can contact you with actual quotes from licensed providers. Only a licensed insurer or broker can issue a quote, after collecting the full information they need.

What should I have ready when a broker contacts me?

Your property address, property type, year built, roof age and heating type, claims history, your current insurer and renewal date if you have one, and your preferred coverage limits and deductible.

How long does getting a quote take?

It varies. Brokers often respond within one or two business days, and a straightforward home can be quoted quickly once details are confirmed. Unusual properties, rental suites or recent claims can take longer.

Does using a broker cost me extra?

Typically, brokers are compensated by a commission from the insurer rather than a fee charged to you. Confirm this with whichever broker contacts you before proceeding.

What is the difference between a broker and an agent?

An insurance agent represents one insurance company. A broker can compare policies from multiple licensed insurers and recommend the one that fits your needs.

What information should I never put in this form?

Never share your Social Insurance Number, policy numbers, banking details or health information in this form. We never ask for them, and a broker will not need banking details before you accept a policy.