Home coverage
Protect the place that means the most.
Get coverage built around your home, your belongings, and everything that could go wrong — so you don't have to worry about it.
Why it matters
Why is home insurance important?
Your home is more than an address — it's where your life happens. The right policy keeps a bad day from becoming a bad decade.
Your home is likely one of the biggest investments you'll ever make — and it faces real risks, from fire and storms to theft and water damage.
If you have a mortgage, your lender will typically require proof of home insurance before closing.
If someone is injured on your property, or you accidentally damage someone else's property, liability coverage can help protect you financially.
A roof over everything you value
From the foundation to the fence line, your policy is built around the way your home is actually built — and the way you actually live in it.
How to buy
Get covered in 3 easy steps
Three short steps between you and a home policy built around the place you live.
Tell us about your home
Answer a few questions about your home — its age, size, and any recent renovations.
Make it fit how you live
Customize your coverage to fit how you live, from your belongings to your liability limits.
Confirm and you're covered
Review your details, confirm, and your proof of insurance is ready in your EverNorth account.
Save & earn
Save on coverage
Simple choices that may lower what you pay without trimming the protection your home actually needs.
Bundle and save
Combine your auto insurance with your home policy and you may be eligible for a discount.
EverNorth Rewards
Loyal, long-term customers may be eligible for additional savings over time.
Built around your home
A standard EverNorth home policy protects your dwelling, your belongings, and you — with room to add more where it matters.
What's covered
Coverage built around your home
Every EverNorth home policy can include:
Dwelling Coverage
Helps cover the cost to repair or rebuild your home's structure after a covered loss like fire, wind, or vandalism.
Personal Property
Covers your belongings — furniture, electronics, clothing — against risks like theft, fire, and certain types of water damage.
Personal Liability
Helps cover costs if you're found responsible for injuring someone or damaging their property and are sued.
Additional Living Expenses
If your home becomes unlivable due to a covered claim, this helps cover costs like temporary accommodations.
Detached Structures
Covers structures separate from your main home, like a garage, shed, or fence.
Make it yours
Optional coverage
Add any of these to your home policy while you build your quote.
Home discounts
Explore home insurance discounts
Check out the savings you may qualify for. Eligibility varies by province and territory.
Combined Policy
Save when you bundle your home and auto insurance.
Claims-Free
Maintaining a clean claims history can help you save.
New Home
Recently purchased or built homes may qualify for savings.
Mortgage-Free
Homes without an active mortgage may be eligible for a discount.
Monitored Alarm
Homes with a centrally monitored fire and burglary alarm system may qualify for savings.
Water Alarm
A centrally monitored water alarm or automatic shut-off device may qualify you for a discount.
Retiree
Homeowners who are retired may be eligible for additional savings.
Buy Online
Purchasing your home insurance online with EverNorth may qualify you for a discount.
FAQs
Home insurance questions, answered
The things homeowners ask us most — in plain language.
Keep exploring
Looking for other insurance?
One account, every policy — and bundling may qualify you for savings.
Your home deserves a policy built for it
Answer a few questions and see coverage shaped around your home — no obligation, no surprises.