5 Best Home Insurance in Toronto (2026)

Independently ranked by our review of ratings, reviews and reputation · How we chose

By Lorian Hartfield, Real Estate and Financial Expert · ✓ Data verified July 2026 · 8 min read

Square One Insurance Services has collected 10,718 Google reviews at a 4.9-star average, nearly four times the review count behind Rates.ca, the next closest name among these home insurance in Toronto results. That scale comes from being a direct insurer rather than a broker, a distinction that matters here: two of the five results, Mitch Insurance Brokers and RH Insurance Inc., place your policy with one of dozens of companies instead of underwriting it themselves. RH Insurance posts the second-highest rating on the list at 4.8, on a much smaller base of 454 reviews.

Short answer: Square One Insurance Services is both the most reviewed and highest-rated provider here, a direct home insurer at 4.9 stars across 10,718 reviews. If you'd rather have someone shop multiple insurers for you, RH Insurance Inc. posts the next-highest rating at 4.8 stars as a broker, on 454 reviews.

Jump to a business

1. Square One Insurance S…
2. Rates.ca
3. Mitch Insurance Broker…
4. InsuranceHotline.com
5. RH Insurance Inc.
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Direct insurer, broker, or comparison site: how these five differ

#	Business	Rating	Reviews	Best for
1	Square One Insurance Services	4.9 ★	10,718	Overall / direct online insurer	View ›
2	Rates.ca	4.6 ★	2,779	Fast rate comparison	View ›
3	Mitch Insurance Brokers	4.7 ★	936	Multi-insurer brokerage	View ›
4	InsuranceHotline.com	4.6 ★	621	Broker referral and comparison	View ›
5	RH Insurance Inc.	4.8 ★	454	Personalized brokerage	View ›

Five providers, reviewed

#1 Overall🕑 Open 6 days/wk↩ Responds to reviews

Square One Insurance Services

4.910,718 Google reviews

Square One Insurance Services is a direct-to-consumer home insurer offering online quotes, policy purchase, and claims filing without going through a separate broker. It's built around a digital platform, with licensed agents available by phone or webchat if you need help, and it advertises guaranteed building replacement coverage even if rebuilding costs exceed your policy limit.

What people praise

Reviewers consistently praise named agents for patiently explaining coverage options over the phone
Multiple reviews describe the claims process specifically as smooth and well communicated
Customers repeatedly mention competitive rates as a reason for choosing Square One

Reputation scorecardrank in Toronto

Rating4.9 / 5

Review volume10,718 · 97th

Confidencevery high

Recency4 weeks ago

Info completenesssite · phone · hours

Rating breakdown94% 5-star

✓ VerifiedSource: Google

Our take: Both the most reviewed and highest-rated provider here, and it's a direct insurer rather than a broker, so you're getting one company's product, not a comparison across insurers.

Website +1647-749-6933 Directions

1 Dundas St W Suite 2500, Toronto, ON M5G 1Z3

#2🕑 Open 6 days/wk↩ Responds to reviews

Rates.ca

4.62,779 Google reviews

Rates.ca is an online insurance and financial products comparison service based on King Street West, matching customers with home, auto, and other insurance quotes across multiple providers, along with credit card and mortgage comparisons.

What people praise

Reviewers repeatedly describe getting a callback within minutes of submitting an online request
Multiple reviews praise named agents for finding a policy quickly
Customers describe the comparison process as fast and low-hassle

Worth knowing

One reviewer described a significant delay and confusion around a promised credit card rebate before it was eventually resolved

Reputation scorecardrank in Toronto

Rating4.6 / 5

Review volume2,779 · 92th

Confidencevery high

Recency3 months ago

Info completenesssite · phone · hours

Rating breakdown81% 5-star

✓ VerifiedSource: Google

Our take: A comparison service rather than an insurer itself, useful if you want multiple quotes fast, but confirm promotional offers in writing given at least one reviewer's experience.

Website +1844-726-0907 Directions

225 King St W Ste 1000, Toronto, ON M5V 3M2

#3🕑 Open 6 days/wk↩ Responds to reviews

Mitch Insurance Brokers

4.7936 Google reviews

Mitch Insurance Brokers is a Richmond Street West brokerage working with more than 70 insurance providers to place home, auto, business, and motorcycle coverage, rather than underwriting policies itself.

What people praise

Reviewers repeatedly praise named brokers for finding competitive rates quickly
Multiple reviews describe the brokerage as responsive even for niche coverage, like motorcycle insurance
One reviewer who ultimately chose a competitor still called Mitch's broker the best of about ten she spoke with

Reputation scorecardrank in Toronto

Rating4.7 / 5

Review volume936 · 87th

Confidencevery high

Recency4 weeks ago

Info completenesssite · phone · hours

Rating breakdown90% 5-star

✓ VerifiedSource: Google

Our take: A genuine broker rather than a single insurer, worth calling if you want someone shopping multiple companies specifically on your behalf.

Website +1888-401-4697 Directions

296 Richmond St W Ste 212, Toronto, ON M5V 1X2

#4🕑 Open 7 days↩ Responds to reviews

InsuranceHotline.com

4.6621 Google reviews

InsuranceHotline.com is an online quote comparison service, also based on King Street West, that connects customers with licensed brokers across multiple insurance companies for home, auto, and motorcycle coverage.

What people praise

Reviewers repeatedly describe getting a callback within minutes of submitting an online quote request
Multiple reviews praise named representatives for professional, courteous calls
One reviewer specifically praised fast turnaround on a home insurance quote

Worth knowing

One reviewer described an initial low quote rising significantly once a broker reviewed the full details, worth treating early online estimates as a starting point rather than a final price

Reputation scorecardrank in Toronto

Rating4.6 / 5

Review volume621 · 82th

Confidencehigh

Recency5 weeks ago

Info completenesssite · phone · hours

Rating breakdown82% 5-star

✓ VerifiedSource: Google

Our take: Similar to Rates.ca in function, a comparison and referral service rather than an insurer itself, useful for casting a wide net quickly.

Website +1855-821-7312 Directions

225 King St W Ste 1000, Toronto, ON M5V 3M2

#5🕑 Open 5 days/wk↩ Responds to reviews

RH Insurance Inc.

4.8454 Google reviews

RH Insurance Inc. is a University Avenue property and casualty brokerage focused on personal insurance, home, auto, condo, tenant, and recreational vehicle coverage, operating in Ontario and Alberta and working across the preferred, standard, and non-standard insurance markets.

What people praise

Reviewers repeatedly praise named brokers for explaining coverage options clearly before a client commits
Multiple reviews describe same-day or fast policy turnaround
One reviewer specifically credited the brokerage with arranging delivery timing around a hospital discharge

Worth knowing

One reviewer described a home policy being cancelled on six days' notice after a routine business-use update, without a phone call first, worth asking directly how the brokerage handles policy changes

Reputation scorecardrank in Toronto

Rating4.8 / 5

Review volume454 · 71th

Confidencehigh

Recency5 weeks ago

Info completenesssite · phone · hours

Rating breakdown95% 5-star

✓ VerifiedSource: Google

Our take: The second-highest rating here, with reviewers consistently praising individual brokers by name, though the one negative review is worth reading if you work from home.

Website +1888-616-1868 Directions

100 University Ave 5th Floor, Toronto, ON M5J 1V6

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Watch: 5 Best Home Insurance in Toronto (2026)

How we scored these providers

Rating is the live Google average and review volume measures how many customers rated each provider, ranked against the others here. Confidence blends rating with volume, since a high average means more when it’s built on thousands of reviews rather than a few hundred, and recency checks how current the reviews are. No provider can pay to change these numbers.

How much does home insurance cost in Toronto? (2026)

Home insurance premiums in Toronto depend on your home’s age, construction, location, claims history, and coverage limits, so there’s no single fair number to quote here. Getting quotes from at least one direct insurer and one broker, like the options above, is the most reliable way to see where you actually land.

Home insurance providers serving all of Toronto

These five providers cluster around King Street West, Dundas Street, and University Avenue downtown, but all five operate by phone and online, so you don’t need to visit an office in person from anywhere in the GTA.

What to ask before you buy home insurance

Is this a direct insurer, or a broker comparing multiple companies?
What perils are covered by default, and what costs extra, like water damage or overland flooding?
Is the quote guaranteed, or can it change once full details are reviewed?
How is a claim handled, and what’s the typical turnaround?
What happens to my premium if I work from home or run a small business from the property?

Frequently asked questions

Are these rankings paid?

No. Rankings come from public Google data. A business can pay to be a Featured Partner, which gets a badge and top placement, but that never changes another business’s score or position.

What’s the difference between an insurer, a broker, and a comparison site?

Square One is a direct insurer, meaning you’re buying its own policy. Mitch Insurance and RH Insurance are brokers who place your policy with one of many companies. Rates.ca and InsuranceHotline.com are comparison and referral services that connect you with brokers across multiple insurers.

How did you choose these five?

We compared home insurance providers in Toronto with a meaningful public track record on Google, then ranked by a mix of rating, review volume, and how recently customers have been leaving reviews.

How often is this updated?

We refresh the data periodically. This page was last verified in July 2026.

Should I buy directly from an insurer or use a broker?

A direct insurer like Square One can be faster and fully online. A broker shops multiple companies for you, which can help if your property or situation doesn’t fit a standard policy.

The bottom line

Square One is the safe default: the most reviewed and highest-rated provider here, and it’s a direct insurer with a fully online process. If your situation is more complicated, a broker like RH Insurance or Mitch Insurance can shop multiple companies on your behalf.

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