Home Insurance
in Ontario

Insurance coverage to protect your home and belongings

Home insurance policy to cover your house, plus optional add-ons for even more protection

Our home insurance policy helps pay for the cost to repair or replace damaged property if you experience a loss due to a covered event. It also provides additional coverage such as personal liability and identity theft.

What’s covered

Buildings

The home and other structures on your property such as a shed, gazebo or detached garage.

Contents

Belongings such as clothes, furniture, and appliances.

Additional living expenses

Additional expenses for temporary accommodations if you need to leave your home to ensure your safety after a covered claim, or if you are under a mandatory evacuation order.

Personal liability

Legal costs if you accidentally hurt someone physically, or damage someone else’s property, anywhere in the world.

Identity theft

Legal costs to restore your identity if you have been a victim of identity theft.

Optional Add-ons for Enhanced Home Insurance Coverage in Ontario

We have optional coverages, also known as endorsements, that you can add to a home insurance policy for more protection.

Water coverage

Enhanced coverage to protect you against loss or damage caused by water.

Home based business

Coverage for your business and business property for home-based operations.

Claim-free discount protector

Protects your claim-free discount after your first covered claim.

Disappearing deductible

Your policy deductible decreases by 20% each year you are claim-free until it is zero.

Course of construction

Worry-free coverage when you’re building a new house, or making major renovations to your current home.

Extra protection for your special home with our VIP Endorsement

 

When you’ve invested in your home, you want to make sure that it has the protection it needs.

Our VIP Endorsement offers you more coverage and higher coverage amounts than standard home insurance policies.

Cottage insurance made convenient

 

Get enhanced coverage for your home away from home.

Home insurance in Ontario

With Gore Mutual, you get:

Protection for what matters most

Enhanced home insurance coverage with add-on options for more protection.

Exceptional claims service

Dedicated and knowledgeable ClaimCare™ Advisors to help you through a claim.

Ways to save

Additional savings if you bundle your car and home insurance, or insure more than one property with us.

For our broker partners

Learn more about the rest of our personal property products.

This product brochure has been developed for and is for exclusive use by licensed insurance brokers with a Gore Mutual Insurance Company distribution agreement. Interested customers should contact their insurance broker for further product information.

The content on this page is for information purposes only. The insurance products described herein are subject to terms, conditions, restrictions and exclusions. Please contact your insurance broker for complete details or if you would like to learn more.

ClaimCare™ is a trademark of Gore Mutual Insurance Company.