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We’re here to simplify it. Learn exactly what these upcoming Accident Benefits changes mean for your coverage and how we can help you keep a solid foundation of protection.
Residential Insurance in Ontario
Protect your home, personal property, and financial security with comprehensive residential insurance in Ontario. Gain peace of mind knowing your home and budget are protected against fire, theft, severe weather, water damage, and personal liability.
According to the Insurance Bureau of Canada (IBC), home insurance premiums in Ontario typically range from $900 to over $2,500 per year, depending on rebuilding costs, location, proximity to fire hydrants, and policy endorsements. At Strong Roots Insurance Brokers Ltd., we simplify the insurance process as your dedicated partners. As independent brokers, we compare leading Canadian insurers to secure the best coverage and provide a strong foundation for your home.
Comprehensive Protection for Your Home and Assets
Your home is likely your largest financial investment and your family’s sanctuary. Whether you own a detached home in Kitchener, a historic property in Stratford, a townhouse in Baden, or a rural residence in Perth County, the right residential insurance is essential to protect against unexpected losses. Managing risks from windstorms, winter freeze damage, or water line failures requires expert guidance.
At Strong Roots Insurance Brokers Ltd., we do not offer generic coverage or rely on automated online estimators. As licensed independent brokers, we work directly for you to provide expert advice, transparent guidance, and personalized service. We assess your home’s unique replacement value, identify policy limitations, and source competitive rates from Canada’s top insurers. Let us help you protect what matters most with solutions designed for today and the future.
What Does Residential Insurance Cover in Ontario?
Standard home insurance policies in Ontario are built on six core pillars that protect your property and personal liabilities.
Dwelling & Structural Coverage
Protects your home’s structure, including walls, roof, foundation, and attached fixtures, against covered risks such as fire, windstorms, lightning, and explosion, based on full rebuilding cost.
Detached Structures
Extends coverage to standalone structures on your property, such as detached garages, sheds, gazebos, outbuildings, and fences.
Water Damage & Overland Protection
Protects your home’s interior from sudden plumbing bursts and, with optional endorsements, covers sewer backup and overland water flooding from spring runoff.
Personal Liability Protection
Protects your finances from legal fees and settlements if a visitor is injured on your property or if you cause damage to neighbouring homes.
Personal Property (Contents)
Covers your furniture, clothing, electronics, and appliances, helping to pay for new equivalents without deducting depreciation if damaged or stolen.
Additional Living Expenses (ALE)
Covers hotel stays, temporary rentals, moving costs, and meals if a covered loss, such as a major fire, makes your home uninhabitable during repairs.
Why Choose Strong Roots Insurance?
Discover the difference of partnering with a dedicated insurance broker. Contact us today to discuss your insurance needs, and let us help you secure a brighter, more protected future.
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20+ years of building trust
Our clients trust Strong Roots Insurance
“I recently switched to Strong Roots, I have had the pleasure of working with Alisha. Not only is she knowledgeable and trustworthy, but her warm and helpful personality made the whole process so easy. With Alisha’s attentive listening, she was able to find me the best coverage - saving me so much money for auto and home insurance! I felt completely confident in her advice and she made sure I understood everything while answering all my questions. I highly recommend her!”
“Ask for Alisha or Lauren of strong roots, both of these ladies went above and beyond. Alisha unfortunately was sick and away from the office but made it a priority to contact me before my previous plan expired and got me in contact with Lauren immediately to sort things out. Lauren made the process as seamless as possible and a very easy experience. Both of these ladies went way beyond what most companies/ individuals provide.``
“I recently reached out to Strong Roots as my mother had passed away and I forgot about her house insurance. As soon as I explained why I was calling, Kim was very sympathetic and immediately sprang into action! Within 2 days she had Moms policy sent in and notified me that the policy will be cancelled. Very fast, friendly and efficient service! Thank you Kim.”
“Very impressed with Strong Roots. Elizabeth was knowledgeable, responsive, and kept me informed along the way. All my questions were answered and everything handled promptly. I ended up bundling my home and auto insurance and couldn't be more pleased.”
“Michael is absolutely phenomenal! He is very quick to respond and got me a much better rate then what I previously had even after doing my own looking around! Lots of access to a large variety of companies and before switching presented me with lots of options and clarification for understanding what I was purchasing. At the start of the year I was looking into rental insurance and Michael made it very simple to bundle both insurance policies and again gave a bunch of options and clarity for what I was purchasing. Highly recommend for any insurance needs!”
“Strong roots insurance brokers offer great trustworthy insurance coverage deals. The staff are very knowledgeable, helpful and friendly. Their response to my call after a road accident was truly amazing they handled the situation perfectly and quickly secured a rental car for me on time. Many thanks to Alisha Gingerich and team for their awesome services. I would not hesitate to recommend anyone to try strong roots insurance brokers for insurance needs.”
“I have been with Strong Roots for a few years now. They were the only ones who offered me insurance for my vehicle when I needed it the most. I’m so happy I got to meet Elizabeth. She’s extremely helpful and knowledgeable abt any and everything related to getting the best quote for your car. Did I mentioned she’s also very kind and patient when it comes to her clients. She makes me feel like family. Thank you Elizabeth.”
“I’ve noted 5 stars for Lauren O’Brien as she’s responsive, detailed oriented and very knowledgeable. Whether it be a new vehicle purchase, in which my spur of the moment purchase had me needing coverage immediately, she was there. Or when my spouse passed away and I needed changes, she was there! Her friendliness and competence are added qualities I appreciate. I wholeheartedly recommend her and Strong Roots IB.”
“Elizabeth is always kind, professional and efficient. She has helped us with our home and vehicle insurance needs over the last several years and dealing with her is always a warm and pleasant experience. I trust her implicitly and encourage others to reach out to her for all your insurance questions and needs.”
Frequently Asked Questions
Home insurance is not mandated by Ontario provincial law. However, if you have a mortgage on your home, your bank or lending institution will require active property insurance before advancing funds to protect their investment.
Replacement Cost pays to rebuild your home or purchase brand-new versions of your lost belongings at current market prices without subtracting depreciation. Actual Cash Value (ACV) pays out a depreciated amount based on age and wear-and-tear. Strong Roots prioritizes Replacement Cost to prevent unexpected out-of-pocket expenses during a claim.
Most standard policies state that if a home is left empty or vacant for more than 30 consecutive days, coverage for fire, vandalism, and water damage from burst pipes may be suspended. If you plan an extended trip or leave a property unoccupied, contact your Strong Roots broker to arrange a specialized Vacant Home Permit or endorsement.
If an insured loss (such as a structural fire or major windstorm damage) forces you out of your dwelling during repairs, ALE covers hotel accommodations, temporary rental house costs, storage fees, moving expenses, and daily meal allowances.
No. Standard policies cover sudden indoor water pipe bursts, but surface water flooding (from heavy spring melting) and drain/sewer backups require optional policy endorsements. We assess your local topography in areas like Stratford, Cambridge, or London to ensure your home has the right water shield.
You can reduce your monthly rate by combining your home and vehicle policies through Strong Roots Auto Insurance, installing monitored security and fire alarms, maintaining a clean claims history, or adjusting your policy deductible.
Standard residential policies strictly exclude commercial and agricultural operations. If you operate a small business or small-scale farming operation, we can transition your coverage seamlessly into our Commercial Insurance or Farm Insurance portfolios to avoid coverage gaps.