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Ottawa insurance hub/ON/Home Insurance

Average Ottawa Home Insurance Cost 2026

2026 estimates

The average home insurance estimate in Ottawa is $1,590 per year (range $1,404–$1,776). Your actual price depends on age, vehicle, coverage and underwriting details.

Average Home Insurance in Ottawa
$1,590 / year
Estimated range: $1,404–$1,776/yr · ≈ $117.00–$148.00/mo
Get your personalized estimate →
By coverage
$300k$801–$1,011/yr
$500k$1,270–$1,605/yr
$1000k$2,160–$2,730/yr
Insurance pricing depends heavily on underwriting details (health, driving record, property specifics), so your actual premium usually lands within this estimated range.
By dwelling type
Single family house$1,340–$1,695/yr
Townhouse$1,270–$1,605/yr
Condo$1,235–$1,560/yr
Insurance pricing depends heavily on underwriting details (health, driving record, property specifics), so your actual premium usually lands within this estimated range.

Property snapshot

$624,000
Median assessed value
1988
Median year built
2,300 sqft
Median area
$1,743
Avg rent
2.9%
Vacancy rate
1,017,449
Population

City-level estimate (not property-specific)

All product lines in Ottawa
Auto InsuranceCondo InsuranceRenters Insurance