Compare across Canada's leading home insurance providers to find the right policy for your home:
We evaluate providers using coverage options, pricing, financial strength, customer experience and policy features. Rankings are editorial and are not influenced by commercial relationships. We may earn a commission when you click through to a provider. This never changes a provider's score or position.
Pick any two providers below to see pricing, coverage, benefits and reviews side by side. Updated for June 2026.
Most-compared home insurance providers match-ups this month
Side-by-side overview of every provider we reviewed.
| Provider | Rating | Best For | Coverage Type | Guaranteed Replacement | Overland Water | Sewer Backup |
|---|---|---|---|---|---|---|
#1Intact Insurance | 9.2/10 | Best Overall | Comprehensive, Broad | Standard (included) | Available as endorsement | Available as endorsement |
Wawanesa Insurance | 9.0/10 | Best Value | Comprehensive, Broad | Available as add-on | Available as endorsement | Available as endorsement |
CAA Insurance | 8.8/10 | CAA Members | Comprehensive, Broad | Available as add-on | Available as endorsement | Available as endorsement |
Sonnet Insurance | 8.6/10 | Digital-First Buyers | Comprehensive | Available as add-on | Available as endorsement | Available as endorsement |
Aviva Canada | 8.6/10 | Customisable Cover | Comprehensive, Broad, Named Perils | Available as add-on | Available as endorsement | Available as endorsement |
Square One Insurance | 8.4/10 | Flexible Policies | Comprehensive, Customisable | Available | Available as endorsement | Available as endorsement |
Economical Insurance | 8.4/10 | Broker Channel | Comprehensive, Broad | Available as add-on | Available as endorsement | Available as endorsement |
TD Insurance | 8.2/10 | TD Customers | Comprehensive, Broad | Available as add-on | Available as endorsement | Available as endorsement |
RBC Insurance | 8.0/10 | RBC Customers | Comprehensive, Broad | Available as add-on | Available as endorsement | Available as endorsement |
Travelers Canada | 8.0/10 | High-Value Properties | Comprehensive | Available | Available as endorsement | Available as endorsement |
Finding the best home insurance in Canada is not simply a matter of finding the cheapest premium. The right provider offers the coverage you need, at a competitive price, backed by a claims service you can rely on. Our ratings are based on publicly available pricing data, independent customer satisfaction surveys, complaint data from the Insurance Bureau of Canada, and our editorial assessment. We update our ratings quarterly.
The best home insurance provider in Canada in 2026 is Intact Insurance, which offers the most comprehensive coverage, guaranteed replacement cost as standard, and consistently high claims satisfaction ratings. For value-conscious homeowners in western Canada, Wawanesa offers the most competitive premiums. For CAA members bundling home and auto, CAA Insurance delivers excellent value. For digital-first buyers with standard properties, Sonnet provides a fast, transparent online experience.
Get answers to common questions about choosing the right provider
Our expert methodology ensures you get unbiased, comprehensive comparisons
We compare premiums, rates, fees, and overall cost to help you find the most affordable option without compromising on cover.
We evaluate policy features, payout terms, flexibility, and any added extras so you know exactly what you're getting.
We assess claims handling, support quality, user reviews, and how easy it is to manage your policy day-to-day.
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