Protect your home, family and belongings
Your home is one of your biggest investments and it deserves protection that goes beyond the basics.
Personalized home insurance quotes in under a minute
Answer a few simple questions and instantly see coverage options from top Canadian insurers. Need guidance? Our provincially licensed VIU by HUB Advisors are here to walk you through the details and help you choose with confidence.
Comprehensive coverage for homeowners
Homeowners insurance helps protect your property, possessions and family against life’s unexpected events — from fire and theft to liability claims.
HOME REPLACEMENTCovers repair or rebuilding costs if your home is damaged or destroyed.
With additional living expenses coverage, you’re protected from extra costs like hotels and meals if you can’t stay in your home.
PERSONAL LIABILITYSafeguard yourself with liability protection.
Protects you if someone is injured on your property or if you accidentally cause damage to someone else’s property.
PERSONAL PROPERTYSecure your most valued belongings.
Covers your most basic belongings from furniture to electronics. For valuables like jewelry, art, or collectibles, you can add extra protection.
Instant quotes,
every time
We’ll pre-fill your details where possible so you can get side-by-side comparisons quickly.
Homeowners insurance FAQs
You’ve got questions; we’ve got answers. Need to know more? Contact us here.
It’s a policy that protects your home, belongings and liability risks from unexpected losses.
Not legally, but if you have a mortgage, your lender will almost always require it.
A typical homeowners insurance policy protects the structure of your home, your personal belongings, and provides liability coverage if someone is injured on your property. It may also cover additional living expenses if a covered loss – like fire or storm damage – makes your home temporarily unlivable.
Your coverage limits should be high enough to rebuild your home from the ground up and replace personal belongings in case of a total loss. You’ll also want enough protection to cover liability risks, such as injuries that happen on your property. A VIU by HUB Advisor can help calculate the right amount of coverage based on your home’s value, location and risk factors.
Standard home insurance usually covers risks like fire, wind and hail. Protect more of what matters, add coverage for flooding, sewer backup, earthquakes and overland water.
Most standard homeowners insurance policies include some protection for valuables, but coverage limits often apply to items like jewelry, fine art, collectibles, and antiques. If you own high-value items, you may need additional coverage or a scheduled personal property endorsement to be fully protected. A VIU by HUB Advisor can help you add specialized coverage for things that matter most.
In most cases, standard homeowners insurance includes “other structures” coverage for buildings not attached to your house – such as sheds, fences, detached garages or gazebos. Coverage amounts may be limited, so it’s important to review your policy and make sure your limits match the value of what’s on your property. A VIU by HUB Advisor can confirm what’s included and help adjust your plan if needed.
Premiums are based on factors such as the age and rebuild cost of your home, your postal code, claims history and the level of coverage you select.
Yes. Many insurers offer possible discounts if for example, you install smoke detectors, security systems or bundle home and auto insurance together. Please speak with a HUB Advisor to review all discounts and ensure they are applied.
When you file a homeowners insurance claim, you’ll report the loss to your insurer. An insurance adjuster will then inspect the damage, review your policy and determine how much the company will pay toward repairs or replacement. The process may also involve submitting photos, receipts or estimates to support your claim.
At least once a year, or whenever you renovate, move or make major purchases that increase the value of your home or belongings.
Why choose VIU by HUB?
We combine the strength of HUB International, Canada’s largest insurance broker, with a modern digital experience that makes shopping for home insurance easy. Compare quotes, customize coverage and connect with licensed advisors — all in one place.
Your one-stop shop for personal insurance
All your policies,
all in one placeSimplify your life by consolidating your personal insurance. With VIU by HUB, you can manage home, auto and other policies together – saving time and gaining a clear view of your protection.
Immediate results and clear comparisons
Find the right coverage in minutes. With VIU by HUB, you can compare multiple quotes side by side, helping you quickly see the differences in price, coverage and benefits so you can make the best choice for your needs.
Smart advice,
tailored to youEvery person, family and property is unique-your insurance should be too. VIU by HUB Advisors offer expert, personalized guidance to help you select coverage with confidence and enjoy peace of mind knowing you’re protected.