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Home Insurance Canada 2026 — Instant Estimates

Home insurance covers replacement cost, contents and liability. BC averages $1,500-2,200/year, ON $1,200-2,000. Enter an address to auto-fill property data and estimate rebuild cost.

⚡ Minimal input: A postal codeGet my accurate quote →Review my policy →

Already have a policy or proposal? Upload it for a plain-language AI review and compare quotes from multiple insurers.

2026 estimated rates

Estimates computed by the rate engine — ranges across all carriers

Profile$300k$500k$1M
BC$539–$1,185$898–$1,880$1,697–$3,200
ON$801–$1,011$1,270–$1,605$2,160–$2,730
AB$831–$1,071$1,320–$1,700$2,240–$2,890
Insurance pricing depends heavily on underwriting details (health, driving record, property specifics), so your actual premium usually lands within this estimated range. · /yr

What affects your premium

  • ✓Rebuild cost: sqft × unit cost × age/region factors
  • ✓Deductible: $500-$5,000 — higher deductibles lower premiums
  • ✓Province & city risk factors; BC data down to postal code

By region

BCVancouverSurreyVictoriaBurnabyRichmondKelowna
ONTorontoBramptonMississaugaOttawaHamiltonLondon
Home insurance: complete guide
Replacement cost, coverage, deductibles and city pricing
Home insurance calculator
Postal code / address → property data → rebuild cost & premium

Rate data

All rate data2026 BC Home Insurance Rates by City2026 Ontario Home Insurance Rates by City

Get my instant estimate

Free · as fast as 30 seconds · multiple carriers

Get my instant estimate→
AB
Calgary
Edmonton
SKSaskatoonRegina
MBWinnipeg