Personal Insurance

We’ll help you find the right solution

Northbridge Insurance / Personal Insurance

Protection for those things that matter most.

For your home, cottage or car, we have the personal insurance coverage you need.

Need coverage for your home or cottage?

Or maybe you’re looking to insure your everyday and recreational vehicles, whether they’re for on-land or on-the-water. Whatever your needs are, we’ll help you find the right personal insurance solution to protect the things that are most important to you.

Help us find the right solution for you

Northbridge Insurance Onyx
Onyx Personal Insurance

If you’ve invested a lot into your home, property, and possessions, we have an insurance policy to protect your lifestyle. Welcome to Northbridge Insurance Onyx – a premier policy to cover all the things you cherish most, from your home itself to the additions that make it so special. With coverage for your fine jewelry, your wine collection, additions to your house and more, our premium homeowner’s policy will help you rest easier knowing that you have the support you need.

Click here to learn more about what Northbridge Insurance Onyx can offer.


Own or rent, house or condo, we’ll work with you to customize your home insurance coverage*. Look forward to benefits like:

  • Guaranteed replacement cost: If your home is destroyed, we will cover costs to rebuild it with materials of similar kind and quality, even if your policy coverage is less.
  • Student away: If there’s a student in your family who’s away at school, your insurance extends to them and their belongings.
  • Special limits: We offer some of the highest “special limits” insurance on items such as jewellery, collectibles or bicycles.
  • Jewellery coverage: For an additional cost, you can choose to cover your individual jewellery items based on appraised value, not just replacement value.
* Subject to the limits, exclusions & conditions in the policy

Plus, you can save on your home insurance by taking advantage of discounts like:

  • Personal Choice: Combine your home and auto insurance (available to Ontario residents only).
  • Age of home discount: Varies by the age of your home.
  • Claim-free discount: Applies if you have not had any claims in the past three years.
  • Alarm system: Applies if you have a centrally monitored fire or burglar alarm system installed.
  • Age discount: Be rewarded for your years of responsible living.
  • Mortgage-free discount: Applies if you are mortgage free.
Policies underwritten by Northbridge General Insurance Corporation. The above information is an outline of the coverage available and is subject to the terms, conditions and exclusions of the policy. Please refer to the policy wording for details.

If you’ve ever had an accident, you know how important it is to have an insurance company that will help you get back on the road. That means choosing the right partner and the right policy. We’ll work with your insurance broker to make sure you have the auto insurance coverage you need.

Our unique rating structure combines your number of years licensed with the number of years you’ve been accident free, giving you our best price possible. We’ll help you save even more money with:

  • Personal Choice: Combine your home and auto insurance for savings.
  • Multi-vehicle discount: Save a minimum of 10%* for every qualified vehicle you include on your policy.
  • Driving Record Protection**: For a small fee, you can add Driving Record Protection to your auto policy, which guarantees that your driving record will not change after your first at-fault accident. (Available for qualifying customers. Accidents resulting in a conviction classified as major or criminal do not qualify.)
* May vary by province
** Not available in all provinces
Policies underwritten by Northbridge GeneralInsurance Corporation.
Seasonal Properties

Cottages, ski chalets, mobile homes, your home away from home. If you have a seasonal dwelling, we can help you protect it with seasonal property coverage. Talk to your insurance broker about coverage for your getaway.

Policies underwritten by Northbridge General Insurance Corporation.
Recreational Vehicles

Whether you’re exploring the back trails on your ATV or snowmobile, cruising winding roads on your motorcycle, or setting out on the lake, we have a solution to protect you.

  • Watercraft: Adding coverage for your watercraft is easy. Just add it to your existing home policy (homeowner, condominium, tenant or seasonal homeowner policy) and you’re covered for damage due to accidents, storms, theft or vandalism.
  • Vacation trailers: Protect your vacation trailer and its contents when it’s detached from your vehicle by adding coverage to your home policy.
  • All-terrain vehicles/Snowmobiles/Motorhomes/Motorcycles: You may be eligible for a discount when you add coverage for your recreational vehicle(s) to your existing auto policy (check with your broker to see if your situation applies). And if you have our Personal Choice package (home/auto insurance combined), you could save even more!
Policies underwritten by Northbridge General Insurance Corporation. The above information is an outline of the coverage available and is subject to the terms, conditions and exclusions of the policy. Please refer to the policy wording for details.
Personal Choice®

Start saving right away with Personal Choice*®.

By combining your home and auto insurance into one convenient Personal Choice package, you can enjoy extra savings on each policy in addition to other discounts such as age, multi-vehicle, claims-free, home alarm and more. Personal Choice is currently available only to individuals in Ontario.

*Policies underwritten by Northbridge General Insurance Corporation.
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Register for epost® to securely and conveniently access your home and personal automobile policy documents online, anytime, anywhere.

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A new way to protect your home from water damage—and save on your insurance!

Water damage is the leading cause of home insurance claims in Canada, and often the damage happens when no one is home. Now you can help protect your home AND save money.

Available in Ontario only

Did you know?

Your insurance broker will work with you to determine the level of coverage you need to ensure you’re protected.

Additional coverages

Protection for your home-based business

Is your home also your place of business? Our Homework® Insurance is an option that you add to your home insurance so that you don’t have to purchase a separate business policy.

Added protection

Life is unpredictable. With Personal Umbrella Liability, you and your family are protected against injury to others and damage to their property worldwide.

Are you at risk of water damage?

We’ve got a few tips that can help you keep your home safe from water damage.

Download the PDF

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To our customers impacted by the B.C. flooding, please click here.