Protect the place you call home — with clarity, confidence, and coverage that fits.
Whether you own a house, condo, cottage, or rent an apartment, our advisors help you secure comprehensive home insurance at competitive rates from Canada’s leading insurers. We simplify the process, compare multiple options, and make sure your coverage truly reflects your lifestyle.
Competitive home insurance for every type of home
Your home is more than a property — it’s where your life happens. Our team shops across top Canadian markets to find strong coverage and fair pricing, no matter your living situation.
Coverage options for homeowners, renters, and everything in between
Homeowner Insurance
Protect your biggest investment with coverage for the structure, your belongings, and your personal liability.
Rental / Airbnb Insurance
If you rent all or part of your property through Airbnb or other platforms, you may need specialized protection beyond a standard policy.
Condo Insurance
Buying a home or condo? We can help you secure mortgage-related protection at competitive rates—often far lower than bank-issued options.
High-Risk / Hard-to-Place Homes
Older builds, past claims, wood stoves, or unique features? We work with insurers who offer solutions for non-standard properties.
Cottage & Seasonal Property Insurance
Coverage for vacation homes, seasonal cottages, and the belongings you store there—so you can relax knowing it’s protected.
Tenant Insurance
Renters need coverage too. Protect your belongings and personal liability, often for less than the price of a daily coffee.
What’s included in Ontario home insurance?
Home insurance typically combines several key coverages:
Dwelling Coverage
Protects your home’s structure and any detached buildings (garage, shed, pool house, etc.).
Personal Property
Covers your belongings—furniture, electronics, clothing, appliances, and more.
Personal Liability
Provides protection if someone is injured on your property or if you accidentally cause damage to someone else’s belongings.
Additional Living Expenses
Helps cover temporary living costs—hotel, meals, storage—if your home becomes uninhabitable after a covered loss.
Voluntary Medical Payments
Covers minor medical expenses for third parties without requiring a lawsuit.
Voluntary Property Damage
Covers small accidental damages caused to someone else’s property.
Why choose Spectre Insurance
for your home coverage?
Advice-driven, not sales-driven
We simplify complex policies so you feel confident and informed.
Access to top insurers
More choice, more value, better coverage.
Advisors who care
We build long-term relationships rooted in personalized support.
Tailored solutions
Whether you’re buying, renting, investing, downsizing, or upgrading—we help you find the right fit.
Home Insurance FAQs
Find answers to common questions about home insurance.
Premiums vary based on your home’s value, location, construction type, and coverage choices.
Roof age, heating type, past claims, coverage limits, deductibles, square footage, and more.
Not legally—however, most mortgage lenders require it.
Often yes, as it can help qualify you for lower premiums. Consent is always required.
Some types, yes—while others (like overland flooding) require optional add-ons. We help you understand the differences.
Yes—tenant insurance protects your belongings and personal liability.
Bundling, monitored alarms, good credit, higher deductibles, and claims-free history can all help lower premiums.