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Modern Home Insurance in Ottawa.

We've shopped the world to provide Ottawa home owners with real time quotes from A+ rated carriers. Get more for less with InsureCert.

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Homeownership in Ottawa.

Location. Located in eastern Ontario, Ottawa lies on the south bank of the Ottawa River across from the city of Hull, Quebec. The distinctive green-roofed Parliament Buildings and the 90-metre Peace Tower dominate the city's downtown. Parliament Hill is the epicentre of Canada's national political scene, home to the House of Commons and the Senate Chambers.

Climate. The Ottawa-Hull region is one of Canada's largest metropolitan areas, yet the two cities maintain a small town atmosphere. Miles of parkland, trees and rivers make Ottawa one of the world's greenest capital cities. It is also one of the world's coldest capitals, with January temperatures ranging from -6° C to -16° C. The cold weather brings lots of snow and freezes the scenic Rideau Canal, a man-made waterway that cuts through the downtown. The canal is popular for ice skating when winter turns it into what Ottawans call the world's longest skating rink. Some residents even skate to work on the frozen canal.

The summer months bring plenty of sun and warm temperatures, though it is sometimes humid. July temperatures typically fall between 15° C and 26° C.

Economy. In its early years, Ottawa was a lumber centre called Bytown. But now the federal government is by far the largest employer. Over 4 million tourists visit Ottawa every year, making tourism an important economic contributor. Ottawa is also a centre for high-tech industry, especially computer related manufacturing.

People. Canada is officially a bilingual country, so many federal civil servants are required to speak both English and French. This, in addition to its close proximity to primarily French-speaking Quebec, has resulted in Ottawa having a large bilingual population. The city also boasts a diverse mix of ethnic backgrounds. Though nearly half of Ottawa's residents are of British ancestry, there are also large groups of French, Italian, German, Arabic and Chinese.

Culture and Recreation. Ottawa is a showcase of Canadian culture. National museums, galleries and landmarks abound. The National Gallery of Canada, besides being home to some of the finest works of Canadian and world artists, is itself a masterpiece of architectural art, with its angular glass walls. Across the river in Hull, the flowing lines of the Canadian Museum of Civilization are also a masterpiece of modern design.

The Parliament Buildings, gothic and gargoyled, are the city's most popular attraction. Here you can catch a guided tour, watch the changing of the guard, view an evening light show and listen to symphony music on the front lawn.

Festivals and events add spice year-round. The annual tulip festival is a popular tourist draw, when more than three million tulips bloom in parks and on the grounds of public buildings throughout the city. Winterlude, a winter festival featuring dog-sled racing, broom ball and harness racing on ice, is held every February.

The Byward Market is a trendy Ottawa district featuring craft shops, fresh produce and meats by day and a vibrant nightclub scene at night.

How we find you the best home insurance in Ottawa.

Home, condo, or renters insurance is a type of insurance that covers loss and damages to your home and any assets in it. Home insurance also provides liability coverage against accidents that occur in or on your property. While home insurance coverage isn’t mandatory in Canada, you’ll be hard pressed to find a lender who will give you a mortgage without it. That’s why finding the right home insurance in Ottawa is so important.

With InsureCert.ca, you can compare home insurance quotes from Ottawa’s top home insurance brokers and agents in just a few minutes. All you have to do is select your preferred quote, and an Ottawa home insurance provider will be in touch to help you secure it. Not ready to fill out a form? No problem. We answer some of the biggest questions you may have below.

Your Ottawa home insurance questions, answered.

How much is home insurance in Ottawa?
It’s difficult to say exactly what your home insurance price in Ottawa will be. Because insurance is such a customized product, your costs will depend on the home insurance company in Ottawa you choose to work with. Furthermore, the average cost of home insurance in Ottawa probably wouldn’t be an indicator of what you’ll pay. Home insurance rates will vary based on the age of property, construction, wiring, and other elements. One of the fastest ways to get an Ottawa home insurance estimate is to fill out a form on a rate comparison site like InsureCert. We’ll show you quotes from the top insurance companies serving Ottawa.
What perils are specific to Ottawa?
While property insurance in Ottawa doesn’t differ greatly from property insurance in other cities, there are some specific risks to be aware of. For example, the province is prone to wildfire damage, even though Ottawa is relatively protected from this issue, especially when compared to other cities. However, Ottawa homeowners are vulnerable to other risks including: Internal water damage from burst pipes due to the very cold winters. Sewage pipe backup. Overland flooding.
What does home insurance cover in Ottawa?
Generally speaking, house insurance in Ottawa will cover: Repairs to structural damage caused by certain types of perils. A home’s contents, including the personal belongings of the home’s residents, and the belongings of guests. Personal belongings include electronics, clothing, silverware, jewelry, sporting equipment, trees and plants. However, most insurance policies do put a limit on these types of benefits. Liability, which protects the policyholder and family members from lawsuits as a result of bodily injuries. The insurance policy will pay court costs up to the limit of the policy. What many people don’t know about home insurance is that a typical policy will also cover liability or negligence anywhere in North America, subject to exclusions for business and professional activities. Generally speaking, your home insurance coverage in Ottawa will include the following risks:
  • Fire.
  • Lightning.
  • Smoke damage (excluding fireplaces).Theft.
  • Wind and hail.
  • Electrical current.
  • Explosion.
  • Vandalism.
  • Water damage.
  • Broken windows.Wind and hail.
  • Falling objects (unless propelled by a landslide, avalanche, or earthquake)
What risks won’t home insurance cover in Ottawa?
Most home insurance providers in Ottawa won’t cover two kinds of risks: uninsurable perils and optional coverage:

Uninsurable perils are predictable events that aren’t covered by insurance. That’s because the odds are high for a payout. An example of perils that may not be covered is flooding. Optional risks are those that aren’t covered but you can buy insurance for them. These would include sewage backup or earthquakes. Other things home insurance won’t cover include natural wear and tear, government actions, and the failure to make repairs. In Ottawa, most home insurance policies won’t automatically cover things like sewage backup, earthquakes or flooding without additional insurance, which are called endorsements.
What kind of home insurance do you need in Ottawa?

Standard homeowners insurance in Ottawa comes in four different forms: comprehensive, basic, broad, basic and no frills.

Comprehensive - This type of insurance covers the building and contents from all insurable perils.

Basic or Named Perils - This policy insures your home and property for perils specifically named in your policy.

Broad - A broad policy insures your home for all risks as a result of direct damage or physical loss, but the contents are only covered against perils that you name in the policy. It’s considered a middle-ground between a comprehensive and basic policy.

No Frills - As the name suggests, it’s basic coverage for properties that don’t meet normal insurance standards.

While Ottawa is less exposed to the kind of environmental perils than other cities, there are some endorsements homeowners and renters should consider including sewage backup, flooding and increased liability for your valuable items.

Purchasing extra coverage will likely increase home insurance premiums for Ottawa residents, but it’s important to ensure that your assets are adequately protected. If they’re not, the costs of repairs and damages might outweigh the cost of additional coverage.

What can you do to save on home insurance in Ottawa?

Living in a major city can be expensive, but finding cheap home insurance in Ottawa can help you cut costs. If you’re looking to lower the cost of your premium on your Ottawa home, you can:

  • Bundle insurance policies like home and auto.
  • Look into alumni or professional memberships for discounts.
  • Offer to pay a higher deductible.
  • Upgrade your home: replace knob and tube wiring, update valuable parts of your home like the kitchen or basement and replace lead pipes with copper or plastic.
  • Invest in a good security system.

Try to avoid living in areas that are known to be prone to floods, fires, or earthquakes. Finding affordable home insurance in Ottawa doesn’t have to be a struggle. Whatever your method of getting the best rate, comparison shop before you buy so you can compare current home insurance rates from Ottawa providers.

Most places will ask you a series of questions about your home before giving an estimate. You’ll be asked your address, postal code, the size and age of your home, the type of roof, whether you have a deck or a basement, and the type of electrical wiring throughout your home. All this will ensure you get the correct rate and the appropriate amount of coverage.

What are the best home insurance companies in Ottawa?

There is no single answer to this question. There’s no one insurance provider that provides the best home insurance rates to all Ottawa customers because everyone’s home insurance needs are different. The right company is the one that offers you the best rate for the type of coverage you need.

Not all insurance companies will be right for you. Here are several things to keep in mind when you’re choosing an insurer in Ottawa:

  • Do they belong to a reputable association such as the Insurance Brokers Association of Canada?
  • Are they licensed?
  • Is the company in good standing? You can check review sites.
  • Can they provide references from current and previous clients?
  • How long have they been in business?

Ease of contact with your agent and company after you’ve purchased your home or renters insurance policy. Finding an Ottawa home insurance quote online can be the fastest way to get in touch with the right provider that suits your needs.

What if I own a condo or rent? Can I still buy property insurance online?
You’re in luck! We offer policies to renters and condo owners. If you’re on the market for either of these policies, you can actually fill out the property insurance form above and select the Condo Insurance or Renters Insurance option on the first page. If you’re looking for more information about either of these products, feel free to visit our Home Owners link in the top menu of this page.
Home Building Growth 2020 in Ottawa 13.5%
Home Ownership as a percent of population: 69%
Average cost of a home in Ottawa $374,431
Average Ottawa home insurance premiums per month: $56

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Monthly Withdrawals

Paying your insurance each month may be a more affordable option for you. We’ll divide your premium equally (plus an administration fee) over your 12-month term and automatically withdraw payment from your bank account every month.

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Pay your entire insurance premium upfront so you don’t have to think about it until renewal. For new policies, full payment is due before the policy effective date. For policy renewals, full payment is due one business day before the renewal date.

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