Made for Canadians, coast to coast

Invest smart. Insure wisely.

WiseInsurance is a friendly, independent website that helps Canadians understand the basics of investing, home insurance, and auto insurance. The goal is simple: give you clear info, then let you choose.

✔ Friendly, plain-language explanations ✔ Focused on Canadians in every province & territory ✔ Fast digital sign-ups through partners
Investing

Investing for Canadians, without the jargon.

You don’t need to be a day-trader to build wealth. Most Canadians just need a sensible plan, the right account types, and a platform that does the heavy lifting for them.

Automated, diversified portfolios

Wealthsimple can build and manage a diversified portfolio of low-cost ETFs based on your goals and risk level. You set the direction; the platform handles the details.

  • Automatic rebalancing and reinvestment
  • Different portfolios for different goals
  • Start with small amounts and grow over time

See the latest Wealthsimple sign-up bonus →

Use the right account (TFSA, RRSP, FHSA)

Use TFSA for flexible, tax-free growth, RRSP for long-term retirement savings, and FHSA if you’re buying your first home.

  • TFSA: tax-free withdrawals on qualified investments
  • RRSP: potential tax deduction now, taxed later
  • FHSA: blend of RRSP & TFSA perks for first homes

Keep it simple and steady

Timing the market is stressful and usually doesn’t work. A calm, automated plan that you stick to is often the most powerful strategy.

  • Automate monthly contributions where possible
  • Avoid panic during market ups and downs
  • Review once or twice a year, not every hour
Insurance

Protect your home, car, and everything in between.

Your investments are only part of the picture. Insurance helps protect the roof over your head and your day-to-day life if something goes wrong.

Home & Condo

Fully online home insurance with Square One

Square One is a web-based home insurer. You can get a quote, customize your coverage, and bind your policy completely online—no phone calls required.

  • For homeowners, condo owners, and tenants
  • Quote, customize, and buy fully online
  • Designed specifically for Canadian properties

Get an online home quote with Square One →

Want to dive deeper first? Check out the WiseInsurance Home Insurance Guide.

Auto & More

Auto insurance basics, province by province

Auto rules in Canada change by province. Some places use government insurers, others use private companies, and coverages have different names—but the key ideas are similar.

  • Understand mandatory vs. optional coverages
  • Look closely at liability limits and deductibles
  • Compare prices and protections, not just one or the other

Always confirm details with a licensed insurance professional in your province before making decisions.

Across Canada

Quick snapshots by province.

These short overviews can help you search for more detailed info in your province and ask better questions when you speak with a provider.

Ontario • Home insurance basics

Ontario home insurance basics

In Ontario, home insurance isn’t legally mandatory, but most lenders require it. Policies are sold through private insurers and brokers.

  • Look at rebuilding cost, not just market value.
  • Ask about sewer backup and overland water options.
  • Compare different liability limits—many people choose $1M or more.
British Columbia • Home & earthquake

BC home insurance & earthquakes

Many BC homeowners pay special attention to earthquake coverage and water-related endorsements.

  • Ask if earthquake coverage is included or optional.
  • Review deductibles closely; quake deductibles can be higher.
  • Confirm what types of water damage are covered.
British Columbia • Auto overview

BC auto insurance overview

Basic auto coverage in BC is provided through ICBC, with optional coverages available through ICBC and some private insurers.

  • Review your basic ICBC coverage each renewal.
  • Consider optional collision and comprehensive coverage.
  • Ask how higher liability limits could protect your assets.
Alberta & Québec • Home highlights

Alberta & Québec home highlights

Alberta and Québec both rely heavily on private insurers, but the risks look different: hail in Alberta, and unique legal requirements in Québec.

  • Alberta: hail and storm coverage can be important.
  • Québec: make sure service and documents are in your language.
  • Always compare coverage details—not just price.
FAQ

Common questions about WiseInsurance.

Quick, friendly answers about who we are, how affiliate links work, and what you should (and shouldn’t) expect from this site.

Is WiseInsurance a licensed brokerage?
No. WiseInsurance is not a licensed insurance brokerage or financial advisor. It is an independent, educational affiliate website. We share general information and then send you directly to providers’ websites so you can complete applications with them.
Do you earn a commission if I sign up through your links? +
Yes. When you click certain links on this site and open an account or policy, WiseInsurance may receive a referral fee or commission from that partner. This doesn’t increase your cost and in some cases can unlock a sign-up bonus or promotion for you.
Is this personal financial or insurance advice? +
No. Everything on WiseInsurance.ca is general information only. It’s not tailored to your unique situation and should not be treated as personalized financial, legal, tax, or insurance advice. Always speak directly with a licensed professional before making decisions.
Do you cover all Canadian provinces and territories? +
WiseInsurance content is written with a Canada-wide lens and is meant for people living anywhere in Canada. Providers’ products and eligibility rules can vary, so always double-check that a company serves your province or territory before you sign up.

Use WiseInsurance as a friendly starting point.

Think of this site as a helpful first conversation about money and protection—not the final answer. Read through the guides, jot down your questions, and always confirm details directly with the providers you choose or with a licensed professional in your province.

Important: WiseInsurance does not provide quotes, sell insurance, or manage investments. When you click an affiliate link, you’re taken to a third-party website where you can review their terms and decide if their products are right for you.