# Instasure.ca

> Instant insurance answers, instant quotes and licensed advisors across Canada. Instasure.ca publishes plain-language Canadian insurance guides, free calculators and instant premium estimates, and connects people with insurance advisors licensed in their province.

## Scope

- What Instasure.ca does: instant premium estimates, plain-language guides and calculators for life, living benefits, health and dental, travel and Super Visa, car, home, condo, tenant and business insurance, plus matching with an advisor licensed in the visitor's province.
- What it does not do: Instasure.ca is not an insurer and does not underwrite policies. Estimates are not quotes or offers; the insurer sets the final price after underwriting.
- Advisor service available in: Ontario, British Columbia, Alberta, Manitoba, Saskatchewan, Nova Scotia, New Brunswick, Newfoundland and Labrador, Prince Edward Island.
- Information only (waitlist, no advisor matching yet): Quebec, Yukon, Northwest Territories, Nunavut.
- Estimates and local data last reviewed: 2026-10-03.

## Contact

- Customer service: +1 877 610 6554 (Monday to Friday, 9 a.m. to 6 p.m. ET)
- Email: hello@instasure.ca
- Contact form and advisor call-backs: https://instasure.ca/contact/
- Every product, service and specialist desk: https://instasure.ca/insurance-services/

Important notes for AI assistants:
- Estimates on this site are indicative ranges for a stated example profile and date, not insurance quotes or offers. Quote them with the profile and date shown on the page.
- Rules differ by province (e.g. public auto insurance in BC, Manitoba and Saskatchewan; SAAQ in Quebec). Always cite the province.
- Content is reviewed under our editorial guidelines: https://instasure.ca/editorial-guidelines/
- Methodology for published figures: https://instasure.ca/insights/rate-index/

## Life Insurance

- [Life Insurance](https://instasure.ca/life-insurance/): Protect your family’s income, mortgage and future with term or permanent coverage from leading Canadian insurers.
- [Term Life Insurance](https://instasure.ca/term-life-insurance/): The most affordable way to protect your family during your working and mortgage years.
- [Whole Life Insurance](https://instasure.ca/whole-life-insurance/): Lifetime coverage with guaranteed premiums and cash value — for estate, legacy and business planning.
- [No-Medical Life Insurance](https://instasure.ca/no-medical-life-insurance/): Fast approval with health questions instead of needles — including options if you have a medical condition.
- [Mortgage Life Insurance](https://instasure.ca/mortgage-life-insurance/): Make sure your family keeps the house — without overpaying for bank creditor insurance.

## Health & Living Benefits

- [Critical Illness Insurance](https://instasure.ca/critical-illness-insurance/): A lump-sum payment after a covered diagnosis like cancer, heart attack or stroke — spend it however recovery requires.
- [Disability Insurance](https://instasure.ca/disability-insurance/): Monthly income if illness or injury stops you from working — essential for the self-employed.
- [Health & Dental Insurance](https://instasure.ca/health-dental-insurance/): Prescription drugs, dental, vision and paramedical care that provincial plans don’t fully cover.

## Travel & Visitor

- [Travel Insurance](https://instasure.ca/travel-insurance/): Provincial health plans cover very little outside Canada. One night in a U.S. hospital can cost thousands.
- [Super Visa Insurance](https://instasure.ca/super-visa-insurance/): Meet IRCC’s medical insurance requirement for the Parent and Grandparent Super Visa — with monthly payment options.

## Auto

- [Car Insurance](https://instasure.ca/car-insurance/): See what drivers like you pay, then let a licensed advisor compare insurers for you.

## Home & Property

- [Home Insurance](https://instasure.ca/home-insurance/): Coverage built for Canadian risks — water, wind, hail, wildfire and theft.
- [Condo Insurance](https://instasure.ca/condo-insurance/): Your corporation’s policy covers the building — not your belongings, upgrades or your share of a large deductible.
- [Tenant Insurance](https://instasure.ca/tenant-insurance/): Protect your belongings and your liability — and meet your landlord’s lease requirement.

## Business & Commercial

- [Business Insurance](https://instasure.ca/business-insurance/): From sole proprietors to growing teams — the coverage clients, landlords and contracts require.
- [Contractor Insurance](https://instasure.ca/contractor-insurance/): Get the certificate the general contractor or homeowner needs — fast.
- [Professional Liability (E&O) Insurance](https://instasure.ca/professional-liability-insurance/): Protection when a client says your advice, design or service cost them money.
- [Group Benefits](https://instasure.ca/group-benefits/): Attract and keep great people with a benefits plan sized for teams of 2 to 200.

## Specialty coverage

- [High-Risk Car Insurance](https://instasure.ca/car-insurance/high-risk-drivers/): Insured again after tickets, claims, a lapse or a cancellation — and back to standard rates sooner. Handled by a dedicated specialist desk (High-risk auto desk).
- [Car Insurance for New Drivers](https://instasure.ca/car-insurance/new-drivers/): Graduated licences, first policies and adding a teen — explained province by province.
- [Car Insurance for Newcomers to Canada](https://instasure.ca/car-insurance/newcomers/): Get credit for your driving experience abroad, not a first-time-driver price. Handled by a dedicated specialist desk (Newcomer driver desk).
- [Rideshare & Delivery Driver Insurance](https://instasure.ca/car-insurance/rideshare-and-delivery/): Close the gaps between your personal policy and the app’s coverage. Handled by a dedicated specialist desk (Gig driver desk).
- [Ontario Accident Benefits Review](https://instasure.ca/car-insurance/accident-benefits-review/): Since July 1, 2026, most accident benefits are optional. Decide with a licensed advisor, not a checkbox. Handled by a dedicated specialist desk (Accident benefits review desk).
- [Car Insurance for Senior Drivers](https://instasure.ca/car-insurance/senior-drivers/): Low-mileage and retiree discounts, and what changes as you age.
- [Electric & Hybrid Car Insurance](https://instasure.ca/car-insurance/electric-and-hybrid/): Repair costs, battery coverage and EV discounts, explained.
- [Classic & Collector Car Insurance](https://instasure.ca/car-insurance/classic-cars/): Agreed value for a car that is worth more than the book says.
- [Home & Auto Insurance Bundle](https://instasure.ca/car-insurance/home-and-auto-bundle/): Compare the bundle against the best separate prices before you commit.
- [Motorcycle Insurance](https://instasure.ca/motorcycle-insurance/): Mandatory coverage, graduated licences and seasonal riding.
- [RV & Trailer Insurance](https://instasure.ca/rv-insurance/): Motorhomes, travel trailers and fifth wheels, on the road and at the site.
- [Boat Insurance](https://instasure.ca/boat-insurance/): Liability, hull and equipment coverage for pleasure craft and personal watercraft.
- [ATV & Snowmobile Insurance](https://instasure.ca/atv-snowmobile-insurance/): Trail-ready liability and damage coverage for off-road vehicles.
- [Landlord & Rental Property Insurance](https://instasure.ca/landlord-insurance/): Protect the building, the rent and your liability when you rent it out.
- [Short-Term Rental (Airbnb) Insurance](https://instasure.ca/home-insurance/short-term-rental/): Home-sharing endorsements and host policies, beyond the platform’s guarantee. Handled by a dedicated specialist desk (Short-term rental desk).
- [Cottage & Seasonal Home Insurance](https://instasure.ca/home-insurance/cottage-and-seasonal/): Seasonal and remote properties, wood stoves, water access and rentals. Handled by a dedicated specialist desk (Cottage & rural property desk).
- [Hard-to-Insure Home Insurance](https://instasure.ca/home-insurance/hard-to-insure/): Declined or non-renewed? Specialist markets and a plan to get back to standard. Handled by a dedicated specialist desk (Hard-to-insure property desk).
- [Mobile & Manufactured Home Insurance](https://instasure.ca/home-insurance/mobile-and-manufactured/): Coverage for mobile, manufactured and modular homes.
- [Tenant Insurance for Students](https://instasure.ca/tenant-insurance/students/): Laptops, bikes, roommates and the liability your landlord asks for.
- [Umbrella Liability Insurance](https://instasure.ca/umbrella-insurance/): Extra liability above your home, auto and boat policies.
- [Pet Insurance](https://instasure.ca/pet-insurance/): Accident, illness and wellness plans for dogs and cats.
- [Universal Life Insurance](https://instasure.ca/life-insurance/universal-life/): Permanent coverage with a flexible, tax-advantaged investment account.
- [Joint Life Insurance](https://instasure.ca/life-insurance/joint/): First-to-die for couples, last-to-die for estate taxes.
- [Final Expense Insurance](https://instasure.ca/life-insurance/final-expense/): Small permanent policies to cover a funeral and final bills.
- [Funeral Expense Insurance](https://instasure.ca/life-insurance/funeral-expense/): Lifelong cover for your funeral and final costs, so your family isn't left with the bill. Handled by a dedicated specialist desk (Funeral expense desk).
- [Life Insurance for Seniors](https://instasure.ca/life-insurance/seniors/): Term, permanent and no-medical options after 60.
- [Children’s Life Insurance](https://instasure.ca/life-insurance/children/): Guaranteed future insurability at today’s price.
- [Life Insurance with Medical Conditions](https://instasure.ca/life-insurance/medical-conditions/): Diabetes, heart history, cancer survivors and more: shop the underwriters, not just the price. Handled by a dedicated specialist desk (Medical underwriting desk).
- [Life Insurance for Newcomers](https://instasure.ca/life-insurance/newcomers/): Eligibility for PR, work permits and students, with advice in your language. Handled by a dedicated specialist desk (Newcomer life desk).
- [Long-Term Care Insurance](https://instasure.ca/long-term-care-insurance/): Benefits when you can no longer care for yourself.
- [Disability Insurance for the Self-Employed](https://instasure.ca/disability-insurance/self-employed/): Income protection when there is no group plan behind you. Handled by a dedicated specialist desk (Self-employed income protection desk).
- [Visitors to Canada Insurance](https://instasure.ca/travel-insurance/visitors-to-canada/): Emergency medical coverage for family and friends visiting Canada.
- [Snowbird Travel Insurance](https://instasure.ca/travel-insurance/snowbirds/): Long winter stays, medical questionnaires and stability periods done right. Handled by a dedicated specialist desk (Snowbird travel desk).
- [International Student Health Insurance](https://instasure.ca/travel-insurance/international-students/): Provincial plans, school plans and the gaps in between.
- [Commercial Auto & Fleet Insurance](https://instasure.ca/business-insurance/commercial-auto/): Work vans, pickups, small fleets and trucks, with the right drivers listed. Handled by a dedicated specialist desk (Commercial auto & trucking desk).
- [Cyber Insurance](https://instasure.ca/business-insurance/cyber/): Breaches, ransomware and downtime, plus the help to respond.
- [Key Person & Buy-Sell Insurance](https://instasure.ca/business-insurance/key-person/): Protect the business if an owner or key employee dies or falls ill.
- [Home-Based Business Insurance](https://instasure.ca/business-insurance/home-based/): Your home policy probably doesn’t cover the business inside it.
- [Directors & Officers Insurance](https://instasure.ca/business-insurance/directors-and-officers/): Protect directors’ and officers’ personal assets.
- [Restaurant & Food Service Insurance](https://instasure.ca/business-insurance/restaurants/): Liability, liquor, spoilage and downtime coverage for food businesses.
- [Insurance for Plumbers](https://instasure.ca/contractor-insurance/plumber/): Liability, tools and the certificate your clients ask for.
- [Insurance for Electricians](https://instasure.ca/contractor-insurance/electrician/): Liability, tools and the certificate your clients ask for.
- [Insurance for HVAC Contractors](https://instasure.ca/contractor-insurance/hvac/): Liability, tools and the certificate your clients ask for.
- [Insurance for Landscapers](https://instasure.ca/contractor-insurance/landscaping/): Liability, tools and the certificate your clients ask for.
- [Insurance for Cleaning Businesses](https://instasure.ca/contractor-insurance/cleaning/): Liability, tools and the certificate your clients ask for.
- [Insurance for Roofers](https://instasure.ca/contractor-insurance/roofing/): Liability, tools and the certificate your clients ask for.
- [All services and specialist desks](https://instasure.ca/insurance-services/)

## Calculators

- [Life insurance needs calculator](https://instasure.ca/calculators/life-insurance-needs/): DIME-style coverage needs for Canadian households.
- [Mortgage protection calculator](https://instasure.ca/calculators/mortgage-protection/): bank creditor insurance vs personal term life.
- [Tenant & condo coverage estimator](https://instasure.ca/calculators/tenant-condo-coverage/): contents, improvements and deductible-assessment needs.
- [Business coverage checker](https://instasure.ca/calculators/business-coverage/): baseline CGL/E&O limits by business type.

## Guides

- [Average Car Insurance Cost in Canada by Province and City](https://instasure.ca/guides/average-car-insurance-cost-canada-by-province/): There is no official national average. The latest official figures put Ontario at $2,164 a year, Alberta at $1,903 and British Columbia at $1,358 for Basic and Optional coverage, each measured its own way. Here are all 13 provinces and territories and 15 cities compared.
- [Average Home Insurance Cost in Canada by Province and City](https://instasure.ca/guides/average-home-insurance-cost-canada/): Instasure's model puts typical home insurance at about $92 to $154 a month across the provinces for one example house, as of October 2026. Here's the full province and city table, why Alberta tops it, and the changes that lower your own premium.
- [Trucking Insurance Cost in Canada: Owner-Operators, Cargo and For-Hire Carriers](https://instasure.ca/guides/trucking-insurance-cost-canada/): Trucking insurance in Canada has no standard price. What you pay depends on what you haul, how far you drive, who drives and whose operating authority you run under. Here's what each type of operation needs and what moves the premium.
- [Why Is My Car Insurance Going Up in 2026? Causes and 10 Ways to Save](https://instasure.ca/guides/why-is-my-car-insurance-going-up-2026/): Most 2026 car insurance increases come from industry wide costs like repairs, theft and severe weather, plus province specific rules. Here's what's behind your renewal and 10 practical ways to lower it.
- [Term vs Whole Life Insurance in Canada: Which Fits You?](https://instasure.ca/guides/term-vs-whole-life-insurance-canada/): Term life gives the most coverage per dollar for a set period, while whole life covers you for life and builds cash value at a much higher price. Here is how to decide.
- [Can a Landlord Require Tenant Insurance in Ontario?](https://instasure.ca/guides/tenant-insurance-ontario-landlord-require/): No Ontario law forces renters to buy tenant insurance, but a landlord can make liability coverage a condition of the lease. Here's what the standard lease says, what a policy covers and what it typically costs.
- [Super Visa Insurance: Requirements and Cost by Age](https://instasure.ca/guides/super-visa-insurance-requirements-cost/): IRCC requires Super Visa applicants to have private medical insurance with at least $100,000 of emergency coverage, valid for at least one year. Here's what qualifies, what it typically costs by age, and how deductibles, pre existing conditions and refunds work.
- [How Much Does Small Business Insurance Cost in Canada?](https://instasure.ca/guides/small-business-insurance-cost-canada/): Small business insurance in Canada can cost a few hundred dollars a year for a low risk consultant or several thousand for a contractor or restaurant. Here's what drives the price, which coverages matter and how to lower your premium.
- [Private Dental Insurance vs the CDCP: Who Should Buy What?](https://instasure.ca/guides/private-dental-insurance-vs-cdcp/): The Canadian Dental Care Plan covers eligible people with family income under $90,000 and no access to dental insurance. Private plans suit people who earn more or want broader health coverage, but buying one can affect CDCP eligibility.
- [Ontario Auto Insurance Changes (July 2026): What's Optional Now](https://instasure.ca/guides/ontario-auto-insurance-changes-july-2026/): Since July 1, 2026, only medical, rehabilitation and attendant care benefits are mandatory on Ontario auto policies. Here's what became optional and how to decide what to keep at renewal.
- [Mortgage Life Insurance vs Term Life Insurance: What to Choose in 2026](https://instasure.ca/guides/mortgage-life-insurance-vs-term-life-insurance/): Bank mortgage insurance pays your lender a shrinking amount, while personal term life pays your family a level benefit and moves with you. Here is how to compare them at renewal.
- [Life Insurance for Newcomers to Canada: PR, Work Permits and Students](https://instasure.ca/guides/life-insurance-for-newcomers-to-canada/): Permanent residents can usually buy life insurance much like citizens, and many work permit holders and students can qualify too. Here is what insurers look at and how to prepare.
- [ICBC Optional Insurance Explained: What to Buy on Top of Basic](https://instasure.ca/guides/icbc-optional-insurance-explained/): ICBC Basic is mandatory in BC, but it doesn't repair your own car or cover theft and hail. Here's how ICBC optional insurance works, where private insurers fit in and what to consider buying.
- [How Much Life Insurance Do I Need in Canada?](https://instasure.ca/guides/how-much-life-insurance-do-i-need-canada/): Most Canadian families need enough life insurance to clear debts, pay off the mortgage, replace several years of income and fund education. Here is how to add it up with the DIME method.
- [How Much Does Life Insurance Cost in Canada? Prices by Age](https://instasure.ca/guides/how-much-does-life-insurance-cost-canada/): Example term life prices by age, sex, smoking status, coverage amount and term length, from the Instasure estimate model, plus the factors that move your price and ways to lower it.
- [Gig Driver Insurance in Ontario: Uber, Lyft, DoorDash and Skip](https://instasure.ca/guides/gig-driver-insurance-uber-doordash-ontario/): A personal auto policy may not cover you while you drive for Uber, Lyft, DoorDash or Skip. Here's how to close the gaps in Ontario, from the OPCF 6A endorsement to your accident benefit choices after July 2026.
- [Does Home Insurance Cover Water Damage in Canada?](https://instasure.ca/guides/does-home-insurance-cover-water-damage-canada/): A standard Canadian home policy usually covers sudden, accidental water damage, but sewer backup, overland flooding and groundwater need optional coverage or are excluded. Here's how each type of water claim works.
- [Critical Illness vs Disability Insurance: Which Do You Need?](https://instasure.ca/guides/critical-illness-vs-disability-insurance/): Critical illness insurance pays a lump sum after a covered diagnosis, while disability insurance replaces your income if you cannot work. Here is how to choose, or combine, the two.
- [Condo Insurance Deductible Assessment, Explained](https://instasure.ca/guides/condo-insurance-deductible-assessment-explained/): When your condo or strata corporation charges its master policy deductible back to you, deductible assessment coverage on your unit policy pays it. Here's how the two policies split the risk and how to choose a limit.
- [Calgary Hail Insurance Guide: Home and Car Coverage Explained](https://instasure.ca/guides/calgary-hail-insurance-guide/): One Calgary hailstorm can damage your car and your roof in minutes. Here's how comprehensive auto coverage and home insurance handle hail, what deductibles and roof terms to check, and how to file a claim.
- [Alberta Car Insurance 2026: Rate Cap, Care-First and How to Shop](https://instasure.ca/guides/alberta-car-insurance-2026-care-first/): Alberta's 2026 good driver rate cap is 7.5%, and the province moves to a Care First injury model on January 1, 2027. Here's what that means for your renewal, your claims and how you shop.

## Insurance by province

- [Insurance in Ontario](https://instasure.ca/insurance/ontario/)
- [Insurance in Quebec](https://instasure.ca/insurance/quebec/)
- [Insurance in British Columbia](https://instasure.ca/insurance/british-columbia/)
- [Insurance in Alberta](https://instasure.ca/insurance/alberta/)
- [Insurance in Manitoba](https://instasure.ca/insurance/manitoba/)
- [Insurance in Saskatchewan](https://instasure.ca/insurance/saskatchewan/)
- [Insurance in Nova Scotia](https://instasure.ca/insurance/nova-scotia/)
- [Insurance in New Brunswick](https://instasure.ca/insurance/new-brunswick/)
- [Insurance in Newfoundland and Labrador](https://instasure.ca/insurance/newfoundland-and-labrador/)
- [Insurance in Prince Edward Island](https://instasure.ca/insurance/prince-edward-island/)
- [Insurance in Yukon](https://instasure.ca/insurance/yukon/)
- [Insurance in Northwest Territories](https://instasure.ca/insurance/northwest-territories/)
- [Insurance in Nunavut](https://instasure.ca/insurance/nunavut/)

## About & trust

- [How Instasure.ca makes money](https://instasure.ca/how-we-make-money/)
- [Licensing & disclosures](https://instasure.ca/licensing/)
- [Editorial guidelines](https://instasure.ca/editorial-guidelines/)
- [Licensed advisors](https://instasure.ca/advisors/)

## Optional

- [Full guide text for LLMs](https://instasure.ca/llms-full.txt)
- [XML sitemap index](https://instasure.ca/sitemap.xml)
- [HTML site map](https://instasure.ca/site-map/)