Personal Insurance
Sutherland Insurance places twelve personal insurance products across Ontario, including home, auto, tenant, condo, seasonal property and recreational coverage. Sutherland Insurance compares more than 10 personal-lines carriers from its Guelph office and has arranged personal insurance in Ontario since 1870.
- Products placed
- 15+ products available, varying by market
- Personal-lines markets compared
- 10+ Canadian carriers
- Legally required in Ontario
- Auto insurance only; all other personal lines are optional
- Area served
- All of Ontario
- Claims support
- In-house claims representative available to every client on a claim
What personal insurance does Sutherland Insurance offer?
Auto insurance in Ontario
Mandatory coverage for every registered Ontario vehicle
Home insurance in Ontario
Buildings, contents and personal liability for Ontario homeowners
Condo insurance in Ontario
Unit contents, improvements and the gap the corporation policy leaves
Tenant insurance in Ontario
Contents, liability and living expenses for Ontario renters
Home and Auto Bundle
Both policies with one insurer, and the multi-line discount that follows
Cottage and seasonal property insurance
Coverage for a property not occupied year-round
Life insurance in Ontario
Term and permanent life, licensed through FSRA
Travel insurance for Ontario residents
Medical and trip coverage beyond what OHIP pays
Umbrella liability insurance
Liability limits above the underlying auto and property policies
Boat insurance in Ontario
Hull, liability and equipment for Ontario watercraft
Collector car insurance
Agreed-value coverage for classic and restored vehicles
Motorcycle insurance in Ontario
Liability, accident benefits and physical damage for Ontario riders
How these coverages compare
| Coverage | What it covers | Required by Ontario law? |
|---|---|---|
| Auto | Liability, accident benefits, and damage to the insured vehicle | Yes, on every registered vehicle |
| Home | The dwelling, its contents, and the owner’s personal liability | No, commonly required by mortgage lenders |
| Condo | Unit contents, improvements, and liability beyond the corporation policy | No, commonly required by the corporation |
| Tenant | Contents, personal liability, and additional living expenses | No, commonly required by the lease |
| Seasonal property | A property not occupied year-round | No |
| Umbrella liability | Liability above the underlying policy limits | No |
Which personal insurance policies are legally required in Ontario?
Ontario law requires auto insurance on every registered vehicle, under the Compulsory Automobile Insurance Act. No other personal insurance line is required by provincial law. Home, condo and tenant policies are commonly required instead by a mortgage lender, a condominium corporation or a lease.
The distinction matters: a legal requirement and a contractual one carry different consequences. Driving without auto insurance in Ontario carries fines and licence suspension. Letting a home policy lapse is a breach of the mortgage agreement, not an offence.
How much does personal insurance cost in Ontario?
Premiums are set by each insurer from a filed rating algorithm approved by the Financial Services Regulatory Authority of Ontario. The same household receives materially different prices from different insurers, because each weighs the rating factors differently. Sutherland Insurance compares more than 10 personal-lines carriers on every quote.
How do I move my personal insurance to Sutherland Insurance?
A licensed Sutherland Insurance broker reviews the current policy, compares the available Ontario markets, and presents the options. Coverage is bound on the date chosen so there is no gap.
Frequently asked questions
Should I bundle home and auto insurance?
Most Ontario insurers file a multi-line discount, so placing both policies with one insurer commonly lowers the combined premium. Whether it is the better outcome depends on how each insurer prices the two risks individually and which markets will write both. A licensed Sutherland Insurance broker can compare the combinations available.
Does Sutherland Insurance serve clients outside Guelph?
Sutherland Insurance is licensed across Ontario and quotes province-wide. The head office is at 240 Victoria Road North in Guelph, and business is placed by phone and online for clients anywhere in the province. An office visit is never required to arrange coverage or to report a claim.
How many insurers does Sutherland Insurance compare for personal insurance?
Sutherland Insurance compares more than 10 personal-lines carriers. It is an independent brokerage licensed by the Registered Insurance Brokers of Ontario and is not tied to any single insurer, so the comparison covers every market it holds a contract with rather than one company product line.
What does an insurance broker do that a direct insurer does not?
A broker acts for the client rather than for an insurance company. Sutherland Insurance compares multiple insurers on each renewal, makes an in-house claims representative available on a claim from first notice to settlement, and answers the phone directly during business hours on 519-822-0160.
How long does it take to move my insurance to Sutherland Insurance?
Quoting and signing are low-touch. With a driver's licence, the current policy declaration page and the property details on hand, Sutherland Insurance can often quote and bind within the hour on a personal policy. Cover starts on the date the client chooses.
Get Your Personal Insurance Quote
A licensed Sutherland Insurance broker compares the available markets on every quote request.
Get Your Personal Insurance Quote Call 519-822-0160
A real person answers, Monday to Friday, 8:30 a.m. to 5:00 p.m.