Will an insurer actually cover your house?
Aluminum wiring. A 60-amp panel. Knob-and-tube. A wood stove with no WETT certificate. These are the things that get Canadian homeowners denied, surcharged, or quietly non-renewed — and the answers you find online are almost always written by someone selling you a quote.
I am a professional firefighter and a journeyman electrician. I have cut into the walls insurers are asking you about, and I have been inside houses after they burn. This site explains what actually affects insurability, what it really costs to fix, and who will still cover you in the meantime.
No quote engine, no lead form, no hedging. Where a recommendation earns a commission, the page says so.
Where to start
Insurability & eligibility
The things an insurer asks about before they will cover you, what each one actually costs to fix, and who will insure you in the meantime.
Fire causes & prevention
What actually starts house fires, from someone who responds to them. No scare tactics, no product pitches.
Water & flood protection
Sump pumps, backwater valves, water alarms, and which of them earn you an insurance discount.
Well water treatment
Iron, sulfur, and hardness on rural Canadian wells. What to install, what it costs landed in Canada, and when not to DIY it.
Latest
The first guides are being written and fact-checked. Nothing is published here until the trade and fire-scene claims in it have been verified — see how we test.