Find a Broker
Make a PaymentMake a Claim

Our products

Residential
Insurance

Nearly 60,000 homeowners across Ontario trust The Commonwell to protect their homes—the places where milestones are marked on the door frames, memories fill the rooms, and life’s most meaningful moments unfold. We offer tailored policies to meet your specific needs, whether your home is on a spacious acreage or nestled close to neighbors. 

Coverage Options
Find a Broker

RESIDENTIAL INSURANCE

What We Cover

Explore our comprehensive residential insurance options designed to protect your home and belongings:

Guaranteed Rebuilding & Inflation Protection

Your home is more than walls and a roof—it’s where your life happens. This coverage makes sure it can be rebuilt to its original standard, even as construction costs increase.

All-Inclusive Coverage Options

Comprehensive protection means peace of mind. Safeguard your home, outbuildings, and personal belongings under one reliable policy designed for everyday life in Commonwell Country.

Robust Liability

Life’s unpredictable, but your coverage isn’t. Get $1,000,000 in personal liability protection—with the flexibility to increase your limits for greater confidence.

Comprehensive Water Protection

From burst pipes to heavy rainfall, water damage can happen fast. Choose from flexible options like Domestic Service Line, Additional Water Escape, and “Water Plus” coverage for flood and sewer backup protection.

Personal Property Protection

Your home reflects who you are—from the things you’ve chosen to the memories they hold. Enjoy automatic coverage for up to 80% of your home’s insured value, including replacement cost protection to help you restore what’s lost.

Voluntary Payments for Minor Incidents

Small accidents can happen anytime. With $1,000 in Voluntary Property Damage and $2,000 in Voluntary Medical Payments, you’re covered for life’s little surprises.

Our brokers take the time to understand your home and lifestyle, offering coverage and guidance that make your protection clear and dependable.

Find a Broker

RESIDENTIAL INSURANCE

Why Choose The Commonwell for Your Residential Insurance?

Local Expertise

Our brokers live and work in Commonwell Country, bringing real local insight into the communities and homes they help protect.

Personalized Service

Every home tells its own story. We take the time to understand yours—shaping coverage that fits the way you live, wherever you call home in Commonwell Country.

Peace of Mind

With more than a century of protecting Ontario homes, we’ve built trust through dependable coverage and genuine care.

Resources

Important Things to Know

Take time to understand what your policy covers, including your home, belongings, and liability. Life changes—your coverage should too. Keep your broker informed about renovations, new assets, or changes in your household so your protection stays up to date. Discuss your deductible and whether your policy provides replacement cost or actual cash value for your items.

Bundling auto with home insurance can earn you discounts. Speak with your broker to tailor savings for you.

Your home is one of your biggest investments. Make sure your coverage reflects current construction and debris removal costs so you can rebuild fully in the event of a total loss. Always notify your broker about updates or improvements—sometimes these changes can lead to discounts. Review which perils, like floods or sewer backup, are covered and explore additional protection if needed.

Protect what makes your house a home. High-value items such as jewelry, art, or collectibles may need to be specifically listed on your policy for full coverage. Security features like alarm systems or quality locks can also help prevent loss and may qualify you for discounts. Keep an updated list or video of your belongings to make claims easier and faster.

Accidents can happen, even at home. Liability protection covers you if someone is injured on your property or if you unintentionally cause damage elsewhere. For extra peace of mind, ask your broker about an umbrella policy that extends your liability protection beyond standard limits.

Living in Commonwell Country means preparing for what each season brings. Have an emergency plan for your household, including backup power (generator), supplies, and safe access to essentials during outages or severe weather.

Protect the home, memories, and lifestyle you’ve built. Connect with a Commonwell broker today to build the right coverage for you.

Find a Broker