Save up to 37%
on home insurance.

Call now: 289-212-6775

Let us do the comparison shopping for your home, condo,
apartment, cottage, or other property you want to insure.

Better coverage, best prices, 5-star rated…well almost!

Near Perfect
Customer Satisfaction

Our customers love us but don’t take our word on it, read the reviews. We have a 4.8 star Google rating. More than a price comparison site for insurance, we go the extra mile to make sure our customers get the best coverage and care.

We Provide Well
Deserved Discounts

With access to more than 40 of Canada’s biggest insurance companies, you never have to shop anywhere else to get the better coverage and prices. We can save you up to 70% on auto insurance!

More Than a
Marketplace

Many auto insurance comparison sites only list the lowest prices. We’ll shop and compare the best coverage for the best price, and offer free advice whenever you need it.

Instant
Insurance Quote

We’ll get you a quote in minutes. If you like what you see, our advisors will make sure you pay only what you need and help you with questions over the phone. It’s super easy.

We’ve Been Doing
This For a While

Mitchell & Whale began as a family business in 1948. Three generations later we’ve not only grown, we’re on a mission to make insurance easier to buy and understand. We’ve also picked up a bunch of awards in the process.

We’ve Won a
Few Awards

Since 2016, we’ve been named one of Canada’s Top Insurance Brokers. What’s put us there is a commitment to giving every one of our customers the highest level of care and service.

Ontario Home Insurance

We work with 40 of Canada’s top insurance providers to shop and match you with the best and most affordable home insurance options in the province. Get a quote above or call us now to see how we can help. 289-212-6775.

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How to save on home insurance and other important questions

Is home insurance mandatory in Ontario?

No, home insurance is not required by law in Ontario. If you have a mortgage on your home, your lender may require you to maintain home insurance to protect themselves against loss. If you don’t have home insurance and your home is damaged by an event you will have to pay for all repairs yourself.

Do home insurers require a credit check?

Insurance companies have found that customers with good credit scores make fewer claims than customers without good credit scores. As such, most insurance companies offer discounts to people with good credit scores, as they expect to pay out less in claims if you have good credit. Allowing the insurance company to do a soft view of your credit score offers you the opportunity to be rewarded for having a good credit score and paying less for your home insurance.

Does my home insurance cover any kind of water damage?

Your home insurance policy will list the water coverages that are available. Not all home insurance policies are created equal, so it’s important to compare based on coverage as well as price. Be sure to ask your broker about what water coverage is included in your policy so you will know what you have coverage for. Our brokers will be happy to discuss what coverages you would like to have included in your policy and find you a policy that includes those coverages.

Do I need insurance if I’m renting?

If you are renting a home or an apartment, your landlord will be responsible for maintaining the building, and you will be responsible for your own personal belongings. Purchasing a tenants policy provides you with liability coverage as well as coverage for your personal belongings, up to your policy limit. The price of your tenant’s policy will be influenced by a few factors, such as your claims history, your postal code, and the total value of the contents you would like to insure.

How can I save on home insurance?

The best way to save on your home insurance is to have a Mitchell & Whale insurance broker shop for you. We work with over 40 different insurance companies, so we can find an insurance policy for virtually any person. After we have found you a great rate you can help us keep your rates low by being claims free, having a good credit score, and keeping your home up to date.

Which home insurance companies are the best?

As we mentioned above, every company offers a variation of a similar product, with minor differences in what is covered. For the most part, the coverages and exclusions are somewhat similar, and for the average homeowner, the differences are often nominal. The way that claims are handled by each insurer is also quite similar, as the same principles are practiced across the industry.

There are however limits and endorsements within a policy that differ from one company to the next. These differences might make a company more appealing if these limits pertain to your specific needs.

For instance, all insurance policies carry a limit for things such as bikes, cash, jewelry, and furs. A jewelry limit can range from $4,000 with some companies, to $10,000 with another. If you have a large number of jewelry items or a few valuable pieces, this limit may be a point of interest for you to discuss with your broker.

Different companies also offer varying endorsements. Home Equipment Breakdown, Cyber Risk, Service Line, and Groundwater are examples of coverages that are not available at every insurance company in the province. Your broker can help you determine if these coverages are available and right for you and your home.

Are home insurance premiums taxable?

There is an 8% provincial sales tax on homeowner’s insurance in Ontario.

Who sells the cheapest home insurance?

As a broker, we work with 40+ insurance partners and can certainly attest that rates differ greatly from one company to the next, just as they do from one home to another. There is no one company that offers the lowest rates across the board.

A broker is essential in helping you to find the coverages, limits, and endorsements that best suit you and your home. In doing so, we ensure that you are shopping at all the best companies and for comparable coverages. This way you can ensure you are getting not only the best rate but the best coverage!

Our customers love us

Deedee Villanueva

Faith made the insurance process super easy for me! It was my first time buying a car, I didn’t know what I was doing and she guided me step by step on the requirements. I got my slips very fast as well and was able to take home the car within the hour. I was also amazed at how low the insurance was (considering I was quoted 320 at other brokers) Such a positive experience !!

Kyle B.

Faith Lewis was absolutely amazing in helping me get insursnce for my car. Very professional and made sure I was comfortable with all of my options before choosing a final quote that was best for me.

Byron Montola

My lucky broker of Nicole Schrader was the best broker ever she found me a great insurance rate gave me great advice and so friendly almost forgot I was shopping for car insurance. She deserves a raise.

April M.

I chose Mitchell & whale because of the pricing. I will be saving over $300 annually compared to the company I’ve been with for the last 12 years. I have an excellent driving record and yet the other company kept raising the prices. I also found the staff that I spoke with to be very professional and that’s reassuring!