Pay-for-what-you-need online home insurance — fully customizable building, contents and liability with no bundling required. Quote and buy entirely online.
- How to buy
- Direct online (and phone) · quote & buy online
- Availability
- Regional — confirm your province on squareone.ca (not all provinces)
- Flood / water
- Optional water and earthquake add-ons; customizable per-peril
- Guaranteed replacement
- Confirm at quote
- Key discounts
- New / newer home (scales with dwelling age) · Loyalty · Mortgage-free · Leak detection · New roof / water heater
Best for
Renters, condo owners and homeowners who want a fully customizable, build-your-own online policy.
What to confirm before you rely on this
- Exact current province list and specific coverage limits — confirm on squareone.ca before relying.
Canada's first fully online home and auto insurer — quote and buy instantly, no broker. All-risk homeowners with optional sewer backup, overland water and earthquake.
- How to buy
- Direct online only · quote & buy online
- Availability
- BC, AB, ON, QC, NB, NS, PEI (not SK, MB, NL or territories)
- Flood / water
- Optional sewer backup and overland water endorsements
- Guaranteed replacement
- Confirm at quote
- Key discounts
- Bundle home + auto · Claims-free history · Affinity (alumni, professional, employer, union)
Best for
Tech-comfortable buyers in its 7 provinces who want a self-serve, no-broker policy.
What to confirm before you rely on this
- Guaranteed replacement cost availability — confirm at quote.
Canada's largest property and casualty insurer, distributed mainly through brokers, with a strong enhanced water-damage package (sewer backup, water/sewer lines, overland and ground water).
- How to buy
- Broker-led (online quote, then broker)
- Availability
- National via brokers
- Flood / water
- Enhanced water-damage package: sewer backup, water/sewer lines, overland and ground water
- Guaranteed replacement
- Optional
- Key discounts
- Bundle home + auto · Multi-line · Claims-free (broker-quoted)
Best for
Homeowners who want broker-advised coverage from the largest P&C insurer with strong water endorsements.
What to confirm before you rely on this
- Named home discounts are broker-quoted, not enumerated on the site.
Direct-to-consumer insurer (it sold the first car insurance online in North America) with an optional Enhanced Water Damage Package covering overland flood, groundwater and sewer backup, plus guaranteed replacement cost.
- How to buy
- Direct (online, phone, branches) · quote & buy online
- Availability
- Most provinces except Manitoba, Saskatchewan and the territories
- Flood / water
- Optional Enhanced Water Damage Package: overland flood, groundwater, sewer/septic backup
- Guaranteed replacement
- Included
- Key discounts
- Bundle home + auto (up to ~15% each) · Group / member · Home Claim Forgiveness (endorsement)
Best for
Buyers who want to quote and manage home insurance directly from an Intact-backed insurer, with strong optional flood coverage.
What to confirm before you rely on this
- Whether a home policy binds 100% online (no phone step) — confirm at checkout.
A member-owned Canadian co-operative you can quote and buy from online, with optional Comprehensive Water (sewer backup + overland flood) and TomorrowStrong funds to rebuild more weather-resistantly after a claim.
- How to buy
- Both — online + advisor network · quote & buy online
- Availability
- National (province-specific support lines)
- Flood / water
- Optional Comprehensive Water: sewer/septic backup, overland flood, surface water
- Guaranteed replacement
- Confirm at quote
- Key discounts
- Claims-free (with disappearing deductible) · Multi-product / bundle · Mortgage-free
Best for
Buyers who want a values-driven Canadian co-operative with strong water/flood options and resilient-rebuild coverage.
A bank-owned direct insurer with a large group/affinity (Meloche Monnex) program and an Extended Water Damage option (sewer/septic backup, below-ground seepage, overland from fresh water).
- How to buy
- Direct (online quote, online or phone buy) · quote & buy online
- Availability
- National, including Quebec
- Flood / water
- Optional Extended Water Damage: sewer/septic backup, seepage, overland from fresh water
- Guaranteed replacement
- Confirm at quote
- Key discounts
- Buy-online discount (first term) · Group / affinity (Meloche Monnex) · Home + auto multi-product
Best for
Members of eligible professional, alumni or employer groups and TD customers wanting a direct online-quote insurer.
A bank-brand home insurer — policies are underwritten by Aviva — that you can quote and buy online, with guaranteed replacement cost included and optional sewer-backup and overland-water endorsements.
- How to buy
- Direct online (and phone) · quote & buy online
- Availability
- National, including Quebec (some services differ in QC)
- Flood / water
- Optional sewer back-up and overland water endorsements
- Guaranteed replacement
- Included
- Key discounts
- Home + auto bundle · Claims-free benefit · Monitored alarm / water alarm (regional)
Best for
RBC banking customers who want a recognizable bank brand and a quick online home-and-auto bundle.
What to confirm before you rely on this
- Property/auto policies are underwritten by Aviva General Insurance Company (per RBC). Exact bundle % varies by RBC page.
Aviva Canada
Aviva plc (UK)
One of Canada’s largest P&C insurers, broker-distributed, with a forgiving claims-free benefit and a high-value-home tier (Ovation). Overland water is sold alongside sewer-backup coverage.
- How to buy
- Both — broker primary + Aviva Direct
- Availability
- National (availability and pricing vary by province)
- Flood / water
- Basic water included; optional sewer backup + overland (sold together)
- Guaranteed replacement
- Optional
- Key discounts
- Claims-free (deductible reduces each claims-free year) · Bundle home + auto · Multi-vehicle / multi-line
Best for
Buyers wanting broker advice, forgiving claims-free benefits, and a high-value-home option.
A large Canadian co-operative (Canada’s #2 P&C insurer after acquiring State Farm Canada) sold through Desjardins Agents and direct online, with notable water-mitigation device discounts.
- How to buy
- Both — Desjardins Agents + direct online · quote & buy online
- Availability
- Province-gated (agents historically ON, AB, NB) — confirm yours
- Flood / water
- Optional ground water & sewer backup; optional overland flood
- Guaranteed replacement
- Confirm at quote
- Key discounts
- Up to 20% claims-free · Up to 10% backflow system · Up to 10% leak detection with auto shut-off
Best for
Buyers wanting an agent-or-online co-operative insurer with strong water-mitigation device discounts.
What to confirm before you rely on this
- Full province list is gated behind the quote tool — confirm availability for your address.
CAA-branded home insurance with stackable member discounts and an all-in-one CAA Water Coverage (overland flood + sewer backup + groundwater). Sold through regional CAA clubs.
- How to buy
- Direct (online quote, phone)
- Availability
- Ontario, Atlantic, Saskatchewan, Manitoba (BC via BCAA, AB via AMA — different underwriters)
- Flood / water
- CAA Water Coverage bundles overland flood, sewer backup and groundwater
- Guaranteed replacement
- Confirm at quote
- Key discounts
- CAA Member discount · Bundle home + auto · Claims-free, mortgage-free, alarm, new-home (region-specific %)
Best for
CAA Members in Ontario, Atlantic, Saskatchewan and Manitoba who want stackable member discounts and all-in-one water coverage.
What to confirm before you rely on this
- Offering and underwriter differ by region; discount percentages are region-specific.
