Home and Property Insurance 


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or call an OTIP broker 1-844-324-6527


Already have an OTIP policy?

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or call 1-800-267-6847 


Insurance renewing in the next 60 days? Get a car or home quote from OTIP and receive a $20 gift card of your choice.*


Insurance tailored to your needs

At OTIP, we exist to make a difference in your life by helping you make the best insurance choices for your needs. See more of the OTIP story and how we serve Ontario’s education community.

Explore the advantages of insuring your home through OTIP.


Free Benefits


As a broker, we are not limited to one insurance carrier. We shop the market and work on your behalf to help you find the right coverage to suit your needs.

Save on your insurance rates
Our team of experienced insurance brokers will work with you, for you, to find the best coverage that fits your lifestyle.

Get advice from an experienced professional
Our brokers offer personalized support and can advise you on important coverage options.

Receive faster claims payouts
Having a broker advocate on your behalf ensures your payout is fair and will be delivered to you promptly.

Protection from dishonest conduct
Working with a broker allows you to feel confident that you will be treated fairly.


Add Ons


Enhance your protection with additional optional coverage.

Worry-Free Bundle
The Worry-Free Bundle combines the Personal Property Claim Protector and the Disappearing Deductible into one endorsement for premium savings.

Disappearing Deductible
Every year you don’t have a claim, your deductible goes down by 20%. After five years it disappears entirely!

Personal Property Claims Protector
This protects your Claims Free Discount following the first claim on the protected location in a five-year period. After one claim, the Personal Property Protector endorsement must remain in place to keep your Claims Free Discount in the following term.

Sewer Back-Up/Water Endorsement
Coverage for sewer back-up/water varies depending on where you live. Contact an OTIP customer service representative at 1‑800‑267‑6847 for information on different coverage levels and rates in your area.

Overland Water Protection
If you have sewer back-up protection, you may also be eligible to purchase overland water protection. This protects your property from loss or damages should water enter your property as a result of heavy rains, spring run-off or overflowing lakes or rivers.

Service Line Coverage
This coverage provides protection when utility lines (e.g. water, sewer, electrical lines) that run onto your property are damaged. While it seems like a small potential for loss, service line damage can be quite expensive. If you live in an older neighbourhood, the likelihood for a loss and the size of that loss is also increased.

Identity Theft/Cyber Coverage
This coverage protects you in the event that your identity is stolen and used in a malicious manner, causing financial harm. Certain endorsements can assist the injured in recouping administrative costs and time off work required to restore their identity. Basic coverage falls into two categories: (1) credit card, automated teller card, forgery, and counterfeit money, and (2) identity theft expenses. Expanding on this coverage to include cyber coverage provides your with protection in the event that your electronics (e.g. personal computer, home system, data, etc.) are hacked, held from ransom, deleted by a third party, or used with malicious intent. Learn more about identity theft/cyber coverage.

Coverage availability depends on insurance carrier.




Save even more when you qualify for discounts.

Bundle products
Save up to 50% on auto insurance when you insure both your home and car through OTIP.

If there are no mortgages or liens on your property, a discounted rate may apply.

With an exemplary claims history, you’ll pay less.

See if you can save even more with our special discounts.

Already have an OTIP policy?

Review your policy, update contact information, view your pink card, submit a claim and more.

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