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Who is Intact?

Intact Insurance, formerly ING Canada, is the largest provider of P&C insurance in Canada. Headquartered in Toronto, Intact offers coverage for homes be it a house, condo, cottage, or apartment. With over 13,000 employees, they insure more than five million individuals and businesses. Members of the Intact Financial Corporation include: Intact Insurance, Belair Direct, BrokerLink, and OneBeacon.

Types of Intact home insurance

Homeowner's insurance

Condo insurance

Tenant (Renter's) insurance

Cottage insurance

How can I purchase Intact home insurance?

There are two ways you can purchase Intact home insurance. You can get an Intact home insurance quote for your house, condo, or apartment directly from Belair Direct online or by phone. Your other option is to use one of Intact Canada’s approved insurance brokerages, for instance, Surex Direct. Brokerages are certified resellers of insurance products for various insurers across Canada. Each brokerage establishes agreements with individual insurance companies to offer different home insurance products suited to every individual.

The benefit of purchasing directly is that you are connecting with the source, but the drawback is that they are on selling what they have on offer and their expertise will generally fall within their own products. Alternatively, buying home insurance from a broker is that they have a better understanding of what’s in the market and can provide you with the best home insurance for your specific needs. The main drawback of purchasing insurance from a broker is it may cost you a bit more than if you had chosen to purchase directly from the insurer. However, a broker may be able to find you a better price with another insurer. As always, we recommend you take the time to shop and compare home insurance providers to make sure you are getting the best policy for the right price to meet your needs.

Available Intact home insurance discounts

If you’re looking for discounts on home insurance with Intact, here’s how you can save:


Monitored alarm system

Multi house

Increase deductible

Annual payment

Optional Intact home insurance coverage

Intact offers several useful additional coverage options that you can get for both your home and car. Here are some unique coverage extensions that are designed to help you customize your home insurance policy to meet your needs.

Optional home insurance coverages:

Optional Coverages Overview

For residents of BC, this can help you piece your home and its contents back together after an earthquake

Overland Water

Intact offers comprehensive overland water coverage both from melting snow, rising lakes and sewer backup.

Home Sharing

For property owners who share their homes through a rental network like AirBnB or VRBO.

Identity Theft

Identity fraud comes with many hidden costs and Intact has you covered for things like lost income due to time away from work, legal fees, and enhanced protection for a credit or debit card.

Service Line

As a homeowner, you may not be aware of your responsibility for the underground utilities (sewer, water supply, electrical, etc.) that run to your house. This helps cover your portion of the service line should something happen.

Sewer Backup

Coverage for when your main drain backs up into your house as a result of overflowing city main drains or a blockage in your drain pipe.

Claim Forgiveness

A claim forgiveness option for your first submitted claim.

You can learn more about the additional coverage options that Intact has to offer here .

FAQ's about Intact home insurance