Insurely Review September 2026

9.8

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9.8

BestMoney Score

Cost

9.9

Experience

9.8

Flexibility

9.7

Support

9.6

BestMoney User Recommendation

BestMoney.ca User Rating

BestMoney users this product giving it a score of 28, or 0 stars.

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0

+100 Positive

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Insurely

BestMoney.ca's take: Insurely offers customizable, 100% online home insurance across most of Canada, with up to $2 million in coverage and options like flood, liability, and income protection.

Insurely Features

Guaranteed Replacement Cost

Full cost to rebuild your home as it was

Sewer & water protection

Damage from sewer backup or water from external sources

Fire coverage

Safeguard against fire damage

Theft coverage

Full compensation for value of stolen items

Every Canadian is expected to obtain home insurance so they can receive coverage during unexpected circumstances like fire incidents, theft, and water-related damage, regardless of whether they own or rent the property.

It also offers protection from legal responsibility for injuries that occur within your premises. Homeowners in Canada now need dependable insurance coverage more than ever, considering the unstable weather patterns and rising home values.

Insurely home insurance offers a modern, user-friendly insurance system that suits the needs of many Canadians. The insurance system allows users to manage policies based on their specific requirements, including homeowner insurance, landlord insurance and tenant insurance.

This Insurely review will explore the company’s background, key features, coverage details, pricing, and how it compares to other providers in Canada. The goal is to help you decide if Insurely is the right choice for your home insurance needs.

Insurely company background

The core concept behind Insurely was the development of insurance products that would be easy to understand and easily accessible to everyone.

Since its establishment in 2018, Insurely has concentrated first on enabling users to handle multiple insurance policies within an intuitive mobile application. The company transitioned to partner with insurers and banks in 2020 while implementing data technology to build user-friendly systems.

Insurely started its operation in Europe before expanding its services internationally and has now established a strong presence in Canada.

The company brings more than 20 years of leadership expertise to deliver insurance convenience through adaptable, comprehensive coverage that provides instant protection. Their mission is to provide transparency and peace of mind to Canadian homeowners and rental property occupants.

What makes Insurely home insurance a good option?

• The process for quotes and policy management is done 100% online
• They offer customizable coverage tailored to your home type and needs
• The guaranteed Replacement Cost ensures your home can be rebuilt fully
• 24/7 customer service and claims support
• They offer flexible payment options, including credit and debit cards
• They offer coverage for unique risks like tenant vandalism and rental income loss
• It is suitable for homeowners, renters, landlords, and condo owners
• Their approval process is usually fast, often within 10 minutes
• Transparent pricing with no hidden fees

Key features of Insurely home insurance

• Guaranteed Replacement Cost Coverage: Insurely ensures your home can be fully rebuilt after a covered loss, even if rebuilding costs exceed your policy limit. This means you won’t be left paying out of pocket if construction or material costs rise unexpectedly.
• Comprehensive Protection Against Common Risks: Coverage includes damage from fire, theft, wind, hail, and water backup. These are some of the most frequent causes of home insurance claims in Canada.
• Liability Coverage Up to $2 Million: Protects you financially if someone is injured on your property or if you accidentally cause damage to someone else’s property. This high limit helps safeguard your assets against costly lawsuits.
• Tenant Vandalism and Rental Income Protection: This feature covers damage caused by tenants and compensates landlords for lost rental income if a property becomes uninhabitable due to an insured event. It’s a valuable option for landlords managing rental properties.
• Customizable Coverage Options: Insurely lets you tailor your policy with add-ons like jewelry, fine art, bicycles, and other valuables. This flexibility ensures your coverage matches your specific needs without paying for extras you don’t require.
• 100% Online Policy Management: From getting a quote to managing your policy and filing claims, everything can be done online. This digital-first approach makes the process fast, convenient, and transparent for Canadian customers.
• Fast Approval Process: Most policies are approved within 10 minutes, allowing you to get insured quickly without lengthy paperwork or phone calls.
• Flexible Payment Methods: You can pay premiums by credit or debit card, making it easier to budget and manage payments without hassle.
• Coverage Across Most Canadian Provinces: Insurely offers home insurance in all provinces except Quebec.

Insurely pricing and value

When it comes to pricing, Insurely home insurance offers competitive rates that fit a variety of budgets across Canada. Here’s a clear breakdown of what you can expect in terms of costs and value:

Average monthly premiums

• Homeowners: CAD $80 – $150
• Renters: CAD $20 – $50
• Landlords: CAD $100 – $180

Payment options

• Monthly, quarterly, or annual payments
• Pay by credit card or debit card
• Flexible plans to suit your cash flow

Additional costs

• Optional add-ons like extra liability coverage or valuables protection may increase premiums
• Regional differences in pricing based on location and risk factors (e.g., flood zones, crime rates)

How to get started with Insurely home insurance

• Visit Insurely’s website to get an instant quote
• Enter basic information about your home or rental property
• Customize your coverage options based on your needs
• Choose your payment plan (credit card, debit, or other options)
• Review and confirm your policy details online
• Receive approval and policy documents electronically, often within minutes
• Manage your policy anytime through Insurely’s online portal
• Contact customer service 24/7 for claims or questions

Pros and cons of Insurely

Here’s a clear look at what stands out and where there’s room for improvement, based on Insurely Home insurance reviews and customer feedback.

Pros of Insurely

• Fast, fully online quote and application process
• Customizable coverage with unique options like tenant vandalism
• Guaranteed Replacement Cost coverage included
• Excellent customer service with 24/7 support
• Flexible payment options
• Covers a wide range of property types, including condos and rentals
• Transparent pricing and policy management

Cons of Insurely

• Not available in Quebec yet
• No option to bundle home and auto insurance currently
• Eligibility criteria may vary by region
• Some specialized coverages may require additional add-ons

Insurely home insurance reviews and rating

Insurely has a strong reputation among Canadian customers, with an average rating of 4.9 stars from over 400 reviews.

Users consistently highlight the company’s quick and easy online process, helpful customer service, and comprehensive coverage options. Claims handling is praised for professionalism and timely follow-up, which gives customers confidence during stressful situations.

Many reviews mention that they save more money compared to traditional insurers and appreciate the ability to manage policies entirely online. The positive feedback reflects Insurely’s commitment to making home insurance simple, transparent, and customer-focused.

How Insurely home Insurance compares with competitors

Compared to other Canadian home insurance providers, Insurely stands out for its digital-first approach and flexible coverage. While established companies like Intact Financial and Aviva offer broad networks and extensive experience, Insurely appeals to tech-savvy customers looking for fast quotes and easy policy management.

In contrast to competitors such as Trellis or Matic, which focus on embedded insurance solutions or marketplaces, Insurely provides direct, customizable policies with strong customer support. Its Guaranteed Replacement Cost and rental income protection options give it an edge for landlords and property investors.

Alternatives to Insurely home insurance

Here’s a breakdown of some well-known alternatives you can consider if Insurely doesn’t meet your needs, each with unique strengths that might suit your needs:

Best

9.9

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$15/month

Term

1 year

Types

8

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9.8

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$16/month

Term

1 year

Types

5

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9.6

Price From

$15.45/month

Term

1 year

Types

3

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• Intact Financial Corporation: Intact Financial is Canada’s largest home insurance provider. They provide a wide range of customizable policies for different provinces and home types. Their extensive experience and strong financial backing make them a solid choice for Canadian homeowners.
• Aviva Canada Inc: Aviva is highly regarded and known for its award-winning customer service, especially in Ontario and British Columbia. Aviva offers home insurance policies that cover many risks with flexible options. They have won multiple industry awards, including the Toronto Star’s Readers’ Choice for Best Insurance Company. 
• Desjardins General Insurance Group: Desjardins is a leading financial co-operative in North America and a leading firm in the Canadian home insurance sector, especially in Quebec. They offer competitive rates and exclusive benefits for younger members under 25. 
• Co-Operators General Insurance Corp: Co-Operators is quite popular in Atlantic Canada, Ontario, and Alberta, and is known for excellent customer satisfaction and competitive pricing. They offer many insurance products apart from home insurance, including life, farm, and travel insurance. 
• Wawanesa Insurance: Wawanesa Insurance serves customers across Canada and offers a variety of insurance types, including home, auto, condo, tenant, and farm insurance. Their online claims submission process is fast and efficient, helping homeowners get repairs underway quickly. 
• Sonnet Insurance: Sonnet is a newer, fully online insurance provider available in several provinces, including BC, Alberta, Ontario, and Quebec. They offer home insurance policies with coverage for liability, identity theft, personal belongings, and dwellings. Sonnet stands out for its additional coverage options like sewer backup, earthquake, and overland water protection.
• RBC Insurance: RBC Insurance offers a wide range of home insurance products across Canada, including homeowner’s, condo, tenant, and seasonal property insurance. They provide tools to customize coverage and save money by bundling home and auto insurance. RBC’s strong brand and easy online management make it a convenient option for Canadians who want trusted coverage combined with expert advice.