PROTECTION THAT FITS
Local experts. Real support.
Our Ottawa-based brokers take the time to understand your needs—whether you live in a house, condo, apartment, or mobile home. We offer protection for your building, belongings, and liability, with options that cover theft or property damage, fire and natural disasters, plumbing or structural issues, and special belongings or high-value items.
PROTECTION THAT FITS
Local experts.
Real support.
Our Ottawa-based brokers take the time to understand your needs—whether you live in a house, condo, apartment, or mobile home. We offer protection for your building, belongings, and liability, with options that cover theft or property damage, fire and natural disasters, plumbing or structural issues, and special belongings/high-value items.
PROTECTION THAT FITS
Local experts. Real support.
Our Ottawa-based brokers take the time to understand your needs—whether you live in a house, condo, apartment, or mobile home. We offer protection for your building, belongings, and liability, with options that cover theft or property damage, fire and natural disasters, plumbing or structural issues, and special belongings or high-value items.
OUR SIMPLE PROCESS
Tailored coverage in
three steps
Tailored coverage
in three steps
Tell us about your home
Fill out our quick online questionnaire with a few details about your property, location, and coverage needs.
Tell us about your home
Fill out our quick online questionnaire with a few details about your property, location, and coverage needs.
Tell us about your home
Fill out our quick online questionnaire with a few details about your property, location, and coverage needs.
Tell us about your home
Fill out our quick online questionnaire with a few details about your property, location, and coverage needs.
We compare top insurers
Our team reviews your information and compares quotes from Canada’s trusted insurance providers to find the best fit.
We compare top insurers
Our team reviews your information and compares quotes from Canada’s most trusted insurance providers.
We compare top insurers
Our team reviews your information and compares quotes from Canada’s most trusted insurance providers.
You get protected
We present you with a personalized policy that balances protection and affordability—so you can feel secure, without overpaying.
You get protected
We give you a personalized policy that balances protection and affordability—feel secure, without overpaying.
You get protected
We give you a personalized policy that balances protection and affordability—feel secure, without overpaying.
WHAT WE OFFER
Coverage types
We offer a full range of home insurance coverages designed to protect every part of your property.
WHAT WE OFFER
Coverage types
At Rowat Insurance, we offer a full range of home insurance coverages designed to protect every part of your property.
At Rowat Insurance, we offer a full range of home insurance coverages designed to protect every part of your property.
Property coverage
This part of your policy covers the cost to repair or rebuild the main structure of your home if it's damaged or destroyed by common risks such as fire, severe weather, or theft. It’s based on the replacement value of your home, which reflects the cost to rebuild, not its market value. This ensures you're financially protected if disaster strikes.
Personal property
Also known as contents insurance, this covers the items inside your home—furniture, appliances, clothing, electronics, and more. If your belongings are damaged, destroyed, or stolen due to an insured event, this coverage can help repair or replace them.
Additional living expenses
If a covered loss leaves your home uninhabitable, this coverage helps with the cost of temporary accommodations, meals, and other necessary living expenses while your home is being repaired or rebuilt. It ensures your family can maintain a reasonable standard of living during difficult times.
Liability coverage
Liability coverage protects you if someone is injured on your property or if you accidentally damage someone else’s property. Personal liability can help cover legal and medical costs, while voluntary property damage and medical payments provide additional support—even if you're not legally at fault. Coverage amounts vary, but most policies include $100,000 or more for personal liability and set limits for optional protections.
Property coverage
This part of your policy covers the cost to repair or rebuild the main structure of your home if it's damaged or destroyed by common risks such as fire, severe weather, or theft. It’s based on the replacement value of your home, which reflects the cost to rebuild, not its market value. This ensures you're financially protected if disaster strikes.
Personal property
Also known as contents insurance, this covers the items inside your home—furniture, appliances, clothing, electronics, and more. If your belongings are damaged, destroyed, or stolen due to an insured event, this coverage can help repair or replace them.
Additional living expenses
If a covered loss leaves your home uninhabitable, this coverage helps with the cost of temporary accommodations, meals, and other necessary living expenses while your home is being repaired or rebuilt. It ensures your family can maintain a reasonable standard of living during difficult times.
Liability coverage
Liability coverage protects you if someone is injured on your property or if you accidentally damage someone else’s property. Personal liability can help cover legal and medical costs, while voluntary property damage and medical payments provide additional support—even if you're not legally at fault. Coverage amounts vary, but most policies include $100,000 or more for personal liability and set limits for optional protections.
PERSONALIZE YOUR HOME INSURANCE
Home insurance add-ons
Home insurance add-ons
Sewer backup coverage
Overland water coverage
Earthquake coverage
Identity theft coverage
Lock replacement coverage
Lock replacement
Mass evacuation coverage
Mass evacuation
What is home insurance?
Home insurance helps cover costs if your home or belongings are damaged, stolen, or affected by sudden, unexpected events. It typically goes beyond the home's structure, covering belongings inside, liability protection, and temporary accommodation if you need to live elsewhere after a covered event. While big events like fires come to mind first, policies can also respond to things like burst pipes, wind damage, theft, and some types of water damage. Home insurance is not one-size-fits-all. Coverage needs often depend on: - The type of property - Whether you own or rent - The age and condition of the home - Location and neighbourhood risks - Personal belongings and valuables - Lifestyle and occupancy
What is home insurance?
Home insurance helps cover costs if your home or belongings are damaged, stolen, or affected by sudden, unexpected events. It typically goes beyond the home's structure, covering belongings inside, liability protection, and temporary accommodation if you need to live elsewhere after a covered event. While big events like fires come to mind first, policies can also respond to things like burst pipes, wind damage, theft, and some types of water damage. Home insurance is not one-size-fits-all. Coverage needs often depend on: - The type of property - Whether you own or rent - The age and condition of the home - Location and neighbourhood risks - Personal belongings and valuables - Lifestyle and occupancy
Is home insurance required in Ontario?
Home insurance isn't legally required in Ontario, but mortgage lenders typically require it before approving a loan.
Is home insurance required in Ontario?
Home insurance isn't legally required in Ontario, but mortgage lenders typically require it before approving a loan.
Is home insurance required in Ontario?
Home insurance isn't legally required in Ontario, but mortgage lenders typically require it before approving a loan.
What does home insurance cover?
Most home insurance policies include protection for your home's structure, personal belongings, personal liability, and additional living expenses if a covered loss makes your home temporarily unlivable. Coverage details, limits, and exclusions vary between policies.
What does home insurance cover?
Most home insurance policies include protection for your home's structure, personal belongings, personal liability, and additional living expenses if a covered loss makes your home temporarily unlivable. Coverage details, limits, and exclusions vary between policies.
Does home insurance cover personal belongings?
Yes. Home insurance typically covers belongings such as furniture, electronics, clothing, and appliances. Higher-value items such as jewellery, artwork, collectibles, or specialty equipment may require additional coverage.
Does home insurance cover personal belongings?
Yes. Home insurance typically covers belongings such as furniture, electronics, clothing, and appliances. Higher-value items such as jewellery, artwork, collectibles, or specialty equipment may require additional coverage.
What is personal liability coverage?
Personal liability coverage helps protect you if someone is injured on your property or if you accidentally cause damage to someone else's property. It can help cover legal expenses, settlements, or damages up to your policy limits.
What is personal liability coverage?
Personal liability coverage helps protect you if someone is injured on your property or if you accidentally cause damage to someone else's property. It can help cover legal expenses, settlements, or damages up to your policy limits.
What are additional living expenses?
If a covered claim makes your home temporarily uninhabitable, your policy may help cover expenses such as hotel accommodations, meals, and other necessary living costs while repairs are completed.
What are additional living expenses?
If a covered claim makes your home temporarily uninhabitable, your policy may help cover expenses such as hotel accommodations, meals, and other necessary living costs while repairs are completed.
What types of homes can be insured?
Insurance solutions are available for homeowners, condo owners, tenants, and mobile homeowners. Coverage is tailored to the specific risks and responsibilities associated with each type of property.
What types of homes can be insured?
Insurance solutions are available for homeowners, condo owners, tenants, and mobile homeowners. Coverage is tailored to the specific risks and responsibilities associated with each type of property.
What does standard home insurance in Ontario cover?
It usually includes coverage for your dwelling, liability, personal belongings, and additional living expenses if your home becomes uninhabitable due to an insured event.
What does standard home insurance in Ontario cover?
It usually includes coverage for your dwelling, liability, personal belongings, and additional living expenses if your home becomes uninhabitable due to an insured event.
What risks are not covered under basic policies?
Standard policies often exclude overland flooding, sewer backups, earthquakes, and maintenance-related damage. You can add optional endorsements for these.
What risks are not covered under basic policies?
Standard policies often exclude overland flooding, sewer backups, earthquakes, and maintenance-related damage. You can add optional endorsements for these.
How are premiums calculated in Ontario?
Factors include your postal code, home value, type and age of your home, construction materials, claims history, and deductible amount.
How are premiums calculated in Ontario?
Factors include your postal code, home value, type and age of your home, construction materials, claims history, and deductible amount.
Can I get insurance for valuables like jewelry or collectibles?
Not always. Standard home insurance often excludes business-related risks, so it’s important to get a separate policy or a home business endorsement.
Can I get insurance for valuables like jewelry or collectibles?
Not always. Standard home insurance often excludes business-related risks, so it’s important to get a separate policy or a home business endorsement.
Does home insurance cover basement flooding in Ontario?
Only if you have added overland water and sewer backup protection. These are optional and must be requested.
Does home insurance cover basement flooding in Ontario?
Only if you have added overland water and sewer backup protection. These are optional and must be requested.
What’s the difference between homeowners, renters, and condo insurance?
Homeowners insurance covers the structure, contents, and liability. Renters insurance covers contents and personal liability. Condo insurance covers your unit, upgrades, contents, and liability, supplementing the condo corporation’s policy.
What’s the difference between homeowners, renters, and condo insurance?
Homeowners insurance covers the structure, contents, and liability. Renters insurance covers contents and personal liability. Condo insurance covers your unit, upgrades, contents, and liability, supplementing the condo corporation’s policy.
How do I file a home insurance claim in Ontario?
Contact your broker or insurer ASAP, take photos, document losses, and keep receipts for expenses. Your insurer will guide you through the process.
How do I file a home insurance claim in Ontario?
Contact your broker or insurer ASAP, take photos, document losses, and keep receipts for expenses. Your insurer will guide you through the process.
Can I run a business from home and still be covered?
Standard policies don’t usually cover home businesses. You’ll likely need a business insurance endorsement or a separate policy.
Can I run a business from home and still be covered?
Standard policies don’t usually cover home businesses. You’ll likely need a business insurance endorsement or a separate policy.
How can I reduce my premium in Ontario?
Bundling home and auto insurance, increasing your deductible, installing security systems, and avoiding frequent claims can help lower your premium.
How can I reduce my premium in Ontario?
Bundling home and auto insurance, increasing your deductible, installing security systems, and avoiding frequent claims can help lower your premium.
GET A QUOTE
Let’s protect your
home together
Let’s protect your
home together
Reach out to Rowat Insurance to speak with a broker or request a quote online. We’re here to support your success.
Reach out to Rowat Insurance to speak with a broker or request a quote online. We’re here to support your success.
Reach out to Rowat Insurance to speak with a broker or request a quote online. We’re here to support your success.
Proudly protecting Canadian families, homes, and businesses—Rowat Insurance is here when you need us most. Contact us today!
Ottawa East
Mon-Fri 9:00am-5:00pm
Sat-Sun Closed
Ottawa West
Mon-Fri 9:00am-5:00pm
Sat-Sun Closed
