Simple Insurance
Compare home insurance options with clarity.
Free, no obligation—get connected with a licensed professional for your province.
Continue below—about a minute, no obligation.
House insurance quotes are easier when you're not alone in the jargon
Submit a short request and connect with a licensed insurance professional who can explain dwelling limits, contents, liability, and water endorsements for your situation—whether you rent, own a condo, or own a detached home.
When reviewing home insurance costs, many households want lower monthly spend or confidence they are not over- or under-insured relative to risk. Those are not identical goals—Simple Insurance focuses on connecting you with someone who can explain trade-offs clearly, not on guaranteed cheapest pricing.
Simple Insurance is intentionally lightweight: a few quick questions and basic contact details under the consent on the form. We are not an insurer and do not display instant quotes here.
Underwriting and eligibility vary—premium discussions belong in that human conversation. There is no obligation to proceed; many people use this step to understand trade-offs before deciding.
Why people review home insurance options
Coverage isn't one-size-fits-all—these are common reasons Canadians revisit home insurance:
- Renewal paperwork arrived and they want to compare options before it auto-renews.
- Renewal documents prompted sticker shock—or uncertainty about why numbers moved.
- They're buying a home and need guidance on lender expectations vs. optional protections.
- They rent and want clarity on tenant liability and contents coverage.
- They own a condo and want help interpreting bylaws alongside their unit policy.
- They finished renovations that changed rebuild costs or exposure.
- Premiums shifted and they're curious whether deductibles or endorsements should change.
- They added renovations, valuables, or a home-based business exposure.
- They want deductibles aligned with emergency savings.
- They want plain-language explanations—not a rushed banner price.
What to have ready
You don’t need detailed underwriting paperwork to start—just enough so follow-up matches your intent:
- Home-related intent (already reflected when you arrive from this page).
- Your province or region.
- Your timeline for wanting help.
- Preferred contact method for follow-up.
What happens after you submit?
- Your request may be shared with a relevant licensed insurance professional or partner so they can follow up with you.
- They may reach out using your preferred contact method when they’re able to respond.
- There’s no obligation to continue the conversation or purchase coverage.
Simple Insurance helps route permission-based inquiries. Coverage decisions, pricing, and advice happen directly between you and the professional who contacts you.
Trusted partners
Recognizable insurers operating in Canada—illustrative tiles only. Simple Insurance does not claim endorsement by these brands, does not guarantee placement with them, and does not rank carriers.
How it works
- 1
Tell us what you need
Pick the type of insurance you’re interested in, your region, and when you’d like help.
- 2
Submit your contact details
Share basic contact info and how you’d prefer to be reached.
- 3
A licensed insurance professional follows up
Someone relevant to your request may reach out to discuss options—there’s no obligation.
Frequently asked questions
Do you provide instant home insurance quotes?
No. Simple Insurance doesn't display guaranteed premiums here. You submit a short request so a licensed insurance professional can understand your situation and discuss options—pricing comes from them based on underwriting rules that apply to you.
Will I definitely reduce my premium?
Not necessarily. Premiums depend on underwriting and coverage selections. Sometimes the honest recommendation is adjusting coverage upward—even if that isn't cheaper.
Can I compare options near renewal?
Many people do. Starting earlier often reduces stress; note your timeline on the form so follow-up matches urgency.
Is tenant insurance the same as homeowners insurance?
No. Tenant policies typically focus on liability and contents; homeowners policies cover the dwelling structure as well as other components depending on selections. A professional can explain what commonly applies for renters versus owners in your province.
Does Simple Insurance insure my property?
No. Simple Insurance helps route inquiries to licensed professionals or partners. Insurance is placed through those channels—not by Simple Insurance acting as an insurer.
What if I rent?
Tenant policies differ from homeowner policies. You can still request help reviewing tenant coverage approaches that may suit your lease and belongings.
What if I'm not moving or renewing soon?
That's fine. Many people choose just comparing so follow-up matches their pace. You're not claiming an emergency—just requesting help reviewing options.
Related pages
Browse insurance help topics
Pick another topic below for plain-language guidance on that situation—and use the same quick request form on every page when you're ready for help.