Personal Insurance Ontario

Ontario’s Best Auto, Home and RV Insurance from Your Trusted Broker.

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Compare personal insurance solutions with Excalibur Insurance, including auto, home, recreational coverage. Whether you’re protecting your vehicle, property, cottage, classic car, rv and more our team helps you find tailored coverage at competitive rates.

Get expert advice, flexible options, and peace of mind knowing what matters most is protected with a trusted Ontario broker.

We understand—affordable auto insurance matters, especially for hard-working Ontario families managing a budget. Whether you’re insuring a car, truck, or SUV, finding the right coverage at the right price is essential. While saving money is important, true value goes beyond just the lowest premium. That’s why we take a broader approach, helping you find the right balance of coverage, protection, and cost based on your unique driving needs

From standard policies to specialized coverage like gap insurance, electric vehicle (EV) insurance, and solutions for high-risk or young drivers, our team works with you to build a policy that fits your situation. With access to multiple insurance providers, we compare options to ensure you’re not only getting competitive rates, but also the protection and peace of mind you deserve every time you’re on the road.

  • Antique Car Insurance

  • EV Insurance

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    Gap Insurance

  • Good Driver Insurance

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    Car, Truck, SUV Insurance

  • High Risk Auto Insurance

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  • Young Driver Insurance

Your home is one of your most important investments, and having the right insurance in place is essential. While competitive pricing matters, it’s just as important to ensure your coverage truly protects your property, belongings, and lifestyle.

At Excalibur Insurance, we help Ontario homeowners find customized home insurance solutions that go beyond the basics—covering everything from your house and contents to liability and additional living expenses.

With access to multiple insurers, we compare options to deliver the right balance of protection, flexibility, and value, so you can feel confident your home is properly covered.

  • Condo Insurance

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    Cottage Insurance

  • High Value Home Insurance

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    Home Insurance

  • Tenant Insurance

Recreational insurance helps protect the vehicles and equipment that fuel your lifestyle—whether that’s your RV, boat, ATV, snowmobile, or other seasonal toys. While these vehicles are all about freedom and adventure, they also come with unique risks that often aren’t covered under standard auto or home policies.

In Ontario, many recreational vehicles require specialized insurance for proper liability and damage protection, especially when used off your property or on public trails.

  • Motorcycle Insurance

    Motorcycle Insurance

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    Recreational Insurance

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    Snowmobile Insurance

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    Travel Trailer Insurance

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    Watercraft Insurance

Life, Health and Specialty Insurance

Specialty insurance is designed to support the unique needs of today’s drivers and individuals, going beyond standard policies. Whether you’re a good driver looking for usage-based savings, a ride share driver needing the right coverage, or someone seeking added protection through health, travel, life, umbrella, or cyber insurance, it’s important to have solutions that fit your lifestyle. These coverages help fill gaps and provide an extra layer of security where traditional insurance may fall short.

  • Good Driver Insurance

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    Ride Share Insurance

  • Health Insurance

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    Personal Cyber Insurance

  • Travel Insurance

  • Umbrella Insurance

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    Life Insurance

We work with over 40 of Canada’s Top Insurers to guarantee you have options.

A few of the reasons we Smile .

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Rate Reducer™

Perhaps you’d like to review an instant quote on your own. We’re happy to show our hand on the coverage options available and let you Compare your 10 lowest electric car insurance rates in minutes with our self-serve quote tool.

If you see an option you like – reach out.

Free Protection Checkup

with every quote & renewal

We look for potential blind spots. We know, everyone wants cheap insurance, but our job is to protect you from assumptions, unknowns and industry change with our free comprehensive review of your needs.

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From the Blog

Personal Insurance FAQs

  • The Accident Benefits portion of your auto insurance policy will cover medical bills, up-to a specific limit, in the event you are injured in a car accident, regardless of who was at fault for the accident. Coverage includes medical and rehabilitation expenses, income replacement (if you are unable to work), non-earner benefits (if you are unemployed and unable to function), caregiver benefits, housekeeping for severe injuries, and death/funeral benefits. Policy limits and eligibility criteria may apply, with strict time limits for claims. You also have the option of increasing your accident benefits to a higher limit. This coverage acts as a safety net to aid recovery following an auto accident.

  • In Ontario, the following car insurance coverages are optional:

    – Collision Coverage

    – Comprehensive Coverage

    – Specified Perils

    – All Perils (Collision Coverage, Comprehensive Coverage, Plus Additional Perils)

    – Increased Third-Party Liability Limits

    – Increased Accident Benefits

    – OPCF Endorsements

  • In Ontario, it is mandatory to have Uninsured Automobile Coverage which covers injuries and vehicle damage, in the event of an accident with an uninsured driver or a hit-and-run. Optional Accident Benefits also cover your injuries regardless of fault. If you have Collision Coverage, your vehicle damage from a known uninsured driver is covered (after you pay your deductible). Uninsured drivers face hefty fines, license suspension, and are liable for your damages. Ontario law protects insured drivers in these situations through their own policies.

  • Home insurance does not provide builder’s risk coverage. Builder’s risk insurance is a type of property insurance that covers a building or structure while it is under construction or renovation. It protects against damage or loss to the structure and materials in the construction process. If you are undertaking a construction project, it is essential to obtain builder’s risk insurance to protect your investment during the construction phase.

  • Yes, your policy could be cancelled (or dropped.) If you are dropped, you will not receive a renewal at the expiration date of your existing policy and you will need to look for a new provider. If this is the case, your previous provider will inform you that you will be dropped so you can look for new coverage in the meantime.

    Your insurance company can cancel you at any point (you will receive notification) due to circumstances such as misrepresentation, non-payment, or increase in risk exposure. You may be made aware of your cancellation between 10 to 30 days.

  • Policies will vary from provider to provider but there is a number of items that will likely not be included in your policy. If you have an all-risk policy, you have coverage for all damage apart from those that your insurer mentions explicitly. Frozen pipes, wear and tear, vacant properties, and certain valuables may not have coverage.

    Certain disasters will also not be included in your home insurance coverage, such as flooding, and earthquakes. You may be eligible to purchase these as an add-on, depending on where you live. For some valuables, you can buy higher limits of coverage.

  • A deductible is the amount you pay out before your home insurance provider steps in to cover the rest. For instance, say you suffered a loss or damages that was covered under your home insurance policy that cost you around $4,000. If your deductible was $1,000, you would need pay that amount for any repairs or replacements before your company paid out the remaining $3,000. You can adjust your deductible amount, but the rule of thumb is that the higher your deductible, the lower your rates.

  • Maybe. Depending on the valuables you own, your home insurance may include coverage for these items up to a stated limit. If your home insurance is not enough to cover your valuables, you may purchase an additional jewelry or collectibles rider.

  • Your landlord may put a clause in your lease which requires you to purchase tenant’s insurance, which covers your liability and your possessions. If not, it is still a wise idea to purchase tenant’s insurance for a small cost per month to protect everything that your landlord’s insurance will not. Your landlord may already have a policy that covers the physical structure of your unit (excluding modifications or additions) and their liability, but not your contents or liability.

  • No, home insurance is not mandatory in the province of Ontario. However, if you do not own your home or have a mortgage, you may be required to purchase coverage. If you live in a rental home, you may want to consider tenant’s insurance, as your landlord’s insurance will not cover your liability or possessions. If you do own your home, home insurance is not a requirement,  but is highly recommended to protect you and your family’s biggest investment.

    If you need to do repairs or rebuild following an insured loss, you can get the financial compensation you need without having to pay solely out of pocket. Your home insurance can also offer financial protection if a claim from a third party leads into a lawsuit.