Home & Property Insurance in London, Ontario

Home and property insurance covers the building itself, the contents inside it, and your liability if someone gets hurt on the property or you accidentally damage someone else's. In London, that usually means a package policy for a detached house, a condo policy that works alongside your condo corporation's master coverage, or a landlord policy if you're renting out a unit. We're tracking 49 agencies in this category, ranging from independent brokers who place your policy with several insurers to agents tied to one carrier.

What to look for in a home or property insurer

Start with what the policy actually covers versus what it excludes. Sewer backup and overland flood coverage are add-ons in most standard policies, not automatic inclusions, and both matter in a city with older storm infrastructure and neighborhoods near the Thames River. Ask how replacement cost is calculated (actual cash value versus full replacement cost), what the deductible is for water damage specifically, and whether the insurer requires updated wiring, plumbing, or roofing before they'll cover an older home. A broker who asks detailed questions about your house's age and systems before quoting is usually doing the job properly. One who quotes off a single phone call without asking much is worth a second look.

How our rankings work

Our scoring weighs verified reviews, how consistently an agency responds to claims questions, licensing status, and the range of carriers or coverage types each one offers. See the full breakdown of factors on our methodology page, and check the ranked guide to insurance agencies in London, Ontario for the current order and side-by-side notes on each one.