Home Insurance

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Surex Direct Home Insurance

Your home is, likely, your biggest asset. Surex Direct compares up to 10 quotes - from Canada's top home insurance companies - to provide you the cheapest rate to insure your largest investment and most valuable possessions.

You're already online - take a few moments and see how affordable it is to protect yourself from detrimental weather and untimely repairs. Have a lavish home entertainment system or expensive wardrobe? As Canada's online home insurance leader, we'll provide cheap coverage for those, too.

Before you get your online quote, you will need your basic home information. This includes square footage, year the home was built and any information regarding upgrades and modifications. This information ensures that we are able to find you the cheapest quote on your home insurance.

Insurance made simple. Get your personalized offer today.

What provinces does Surex Direct offer home insurance in?

We are currently able to process policies in Alberta, British Columbia, Manitoba, Northwest Territories, Nova Scotia, Saskatchewan and Yukon.

Online Home Insurance Coverage in Canada

There are two types of home insurance coverages available in Canada to homeowners. They are:

Broad home insurance: This insurance covers perils such as water, lightning, hail, windstorm, fire, smoke, explosion, falling objects, vandalism, theft and vehicular or aircraft impact.

Comprehensive home insurance: This is the highest level of home insurance available in Canada. It includes all perils covered under broad insurance plus unintentional damage and mysterious disappearance of property/content. Spilling a liquid such as wood stain on a carpeted surface or losing a valuable item would be covered here.


An insurance premium is the amount one pays per month (or agreed upon term) for a home insurance policy. An insurance deductible is the amount of money the insured party is required to pay - out of pocket - before their insurance company will step in and cover damages. The amount per claim will vary depending on coverage. It is essential to make sure you can reasonably afford your deductible. In the case of needing to exercise your insurance policy, if you cannot pay your deductible, your insurance company will not be able to help with your overall costs.

Discounts for Home Insurance in Canada

Surex Direct offers a comprehensive list of discounts to get you cheap home insurance.

The list includes:

  • Bundle discount
  • Credit discount
  • Mortgage-free discount
  • Alarm discount
  • Loyalty discount
  • Renewal discount
  • Age discount
  • Sewer back-up discount
  • Claims-free discount
  • New business discount
  • Flex discount
  • Smoke-free discount
  • Occupation discount
  • Household discount
  • Gated community discount
  • Multi-line discount

Insurance Brokers

Every client deserves a personal broker. Our brokers know that providing cheap, discount quotes leads to long-term clients. From your quote to inquiries about your policy to processing claims, you will deal with the same broker.

It is important to know that in the unfortunate case of an accident or insurance claim against you, we will compare our insurance company partners to make sure your new home insurance rate is the cheapest we can offer. This is in contrast to dealing with other direct insurance sources (such as banks, co-ops or agents) that may have conflicting interests when it comes to your new quote.

Get your personalized offer today.

Home Insurance FAQ

What are the benefits of bundling home and auto insurance with Surex Direct, as opposed to another company?

Just as we compare Canada's elite insurance providers to find you the cheapest home insurance rate, we do likewise with auto insurance. As a true insurance broker, we are then able to combine the best pair of quotes - even if it's two different companies providing the best quote in each category.

Who needs home insurance?

In the simplest answer, everyone. If you own your home, you will want protection on both your physical home and the valuables inside. If you rent out a home, you will want coverage on the physical space. If you're a renter/tenant, you will want to insure your possessions in case of damage or theft.

What is covered?

We provide cheap home insurance to look after the bricks and mortar part of your home, as well as your possessions inside. You can get online home insurance to protect against fire, fixes and repairs. You can be covered from inclement weather such as wind, hail and lightning. Our coverage also extends to protect your valuables from theft.

Should I only disclose the claims I've had in my current home that I want to insure?

In Canada, your claims history follows you, not the home. If you've had home insurance claims in previous houses, they must also be disclosed. Be prepared to disclose at least the most recent 10 years.

Why is my current home insurance rate cheaper than the quotes on your website?

Every insurance company in Canada quotes differently. If you've bundled auto and home insurance with the same company, you can see the discount on each. If you want to get a more accurate quote online, include both your home and your auto information.

What provinces does Surex Direct offer home insurance in?

We are currently able to process policies in Alberta, British Columbia, Manitoba, Northwest Territories, Nova Scotia, Saskatchewan and Yukon.