HOME Insurance coverage in Ontario
Ontario Home Insurance You Can Trust
What’s Covered
Our home insurance policies offer protection against a wide range of risks that affect your property and belongings:
Fire & Smoke Damage
Coverage to repair or replace your home and contents after a fire or smoke event.
Theft & Vandalism
Protection against burglary, break-ins, and intentional property damage.
Natural Disaster Coverage
Safeguards your property from events like windstorms, hail, or lightning—based on policy eligibility.
Personal Liability Protection
Covers legal costs and medical expenses if someone is injured on your property.
Additional Living Expenses
If your home becomes uninhabitable, we’ll cover temporary housing and related costs.
Types of Property We Insure
No matter your living situation, TCI offers tailored insurance solutions for:
Homeowners
Full protection for your house and valuable belongings.
Tenants
Affordable contents insurance for renters.
Condominium Owners
Coverage for your unit and improvements.
Seasonal & Vacation Properties
Protection for cottages and secondary homes.
We reward clients who maintain safe homes and build long-term relationships:
- Multi-Policy Bundles
- Newer Home Discount
- Mortgage-Free Incentives
- Loyalty Program Benefits
Partnering with Canada’s trusted insurance companies.
Why Choose TCI for Home Insurance?
With over 30 years of experience and a strong commitment to Indigenous communities,
TCI offers:
Local expertise and personal service
Custom coverage for every home type
Access to Canada’s top insurance providers
Transparent advice with no pressure
Culturally aligned service for Indigenous homeowners
Home Insurance FAQs
Whether you’re new to insurance or comparing providers, we’re here to make things clear and simple.
What does home insurance cover in Ontario?
In Ontario, standard home insurance policies provide financial protection for your home, its contents, and your personal liability. This includes coverage for damage caused by events like fire, theft, vandalism, burst pipes, and certain natural disasters. Most policies also offer personal property coverage for items like furniture, electronics, and clothing, along with liability protection in case someone is injured on your property. At TCI, we ensure your home insurance is tailored to fit your lifestyle—whether you’re a homeowner, tenant, or condo unit owner—so you’re fully protected from unexpected loss.
Do I need home insurance if my mortgage is paid off?
Yes—even if your mortgage is fully paid off, home insurance remains essential to protect your investment. Without coverage, you’d be responsible for all costs related to rebuilding or repairing your home after a fire, flood, or other disaster. Additionally, home insurance offers liability protection if someone is injured on your property or if you accidentally cause damage to a neighbour’s property. Tribal Custom Insurance will help you find the right level of coverage for your needs, whether you’re still paying off your home or own it outright.
What’s the difference between homeowners and condo insurance?
Homeowners insurance covers the entire physical structure of your house, including the building, detached structures (like sheds or garages), and the land it sits on. It also includes contents and personal liability protection. In contrast, condo insurance is designed to cover what’s inside your unit—such as flooring, fixtures, personal belongings, and improvements—while the building’s exterior and common areas are typically covered by a condo corporation’s master policy. TCI offers tailored policies for both homeowners and condo unit owners across Ontario, helping you understand the difference and select coverage that fits your property type.
Can tenants get coverage for personal belongings?
Yes—tenant insurance, also known as renters insurance, is available to protect your personal belongings if you’re renting a home or apartment. While your landlord’s insurance covers the building, it doesn’t protect your possessions inside. Tenant insurance typically covers damage or loss from events like theft, fire, or water damage, and also includes liability protection if someone is injured while visiting your rental. It’s an affordable way to gain peace of mind, and TCI can help you find the right plan based on your lifestyle and living situation.
Are seasonal properties more expensive to insure?
Seasonal properties—such as cottages, cabins, and vacation homes—can be more costly to insure than primary residences, primarily because they are unoccupied for extended periods, which increases the risk of undetected damage. Other factors, like remote locations, limited access to emergency services, and heating sources (such as wood stoves), can also affect your premium. At TCI, we specialize in seasonal property insurance and work with a network of insurers to offer competitive rates and flexible policies, ensuring your getaway home is protected year-round.
What factors affect my home insurance premium?
Several factors influence your Ontario home insurance premium, including the age and condition of your home, the value of your contents, your claims history, the location of the property, and the level of coverage you select. Homes with updated roofing, electrical, plumbing, and heating systems often receive lower rates. Additional discounts may apply if your home is mortgage-free, part of a bundled policy (such as home and auto), or located near a fire station or hydrant. TCI’s brokers are here to evaluate every detail and help you take advantage of all available savings while ensuring you’re adequately covered.