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Home Insurance

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You can’t always be at home. But you can still protect it.

You've worked hard to own it. You do​n't have to work hard to insure it.

For all the hours you put into your medical career, you're rewarded by the many comforting things that make up your home. Which is why it makes so much sense to provide the best protection for your premises – from your personal belongings to the property itself.

OMA Home Insurance provides a plan with the simplest, most cost-effective way to ensure peace-of-mind coverage for your home and valuables, ensuring that you have the right protection, right in place.

For more information on home insurance coverage, please visit The Personal Insurance website. 

Coverage for wherever you are in life.

OMA has teamed up with The Personal Insurance Company to provide OMA members with the flexibility to build a Home Insurance policy that works for your specific needs. Insurable properties include houses, condominiums, cottages, rental units and mobile homes, and coverage can include extras like swimming pools, watercraft, software, and jewelry. See what works for you:

Basic Coverage:

  • Liability: covers you against bodily injury and property damage you may involuntarily cause to others.
  • Property Damage Insurance: protects your property against unfortunate incidents (fire, theft, vandalism and certain types of water damage).

Optional Coverage:

  • Escape of Fuel Oil: Protects against fuel oil spillage and soil decontamination.
  • Water damage: Covers damage such as sewer back-up or water seepage derived from rain or snow.
  • All-Risk1 Protection: Increases your limit for valuables such as furs, jewellery, art and other collectibles, adding coverage for many common risks that could directly damage your property.
  • Above Ground Pool and Outdoor In-ground Pool, Hot Tub, Spa, and Sauna protection: Covers damage for these expensive recreational items.

Additional features and discounts beyond standard property insurance:

  • Personal Property Temporarily Away from the Home: Covers home and condo owners for up to 100% of personal property while it's temporarily removed from the main residence.
  • Identity Theft Assistance:  Provides assistance and support from coordinators, lawyers and mental health professionals, should your identity be stolen. Included with your property policy at no extra cost.
  • Burglar Alarm Discount: Get additional savings if your home is monitored by a central alarm system.
  • Student Coverage: Protection for full-time college or university students' personal property, while they reside away from the principal residence.
  • Multi-Policy Discount: Insure both your home and vehicle with us and save on your home insurance premium. And if you have a claim that involves both, you pay only one deductible.

Rate Information

Coverage is simple and affordable. Rates depend on a variety of factors including the age, size, location and condition of your home as well as recent renovations, contents, use of alarm systems and more. And even if your current insurance is still in force, give us your expiry date and we'll call to discuss how you can save with OMA Insurance when it's time to renew.

To learn more about rates, and to get a quote, contact The Personal directly at 1.877.277.7165.


OMA Home Insurance is available to members of the OMA who reside in Ontario, including current and future physicians, their families, and their full-time permanent employees.

The Underwriting Process

OMA Insurance works to streamline the underwriting process as much as possible, reducing the complexity and time required to arrange coverage. Here are the steps required:

Learn about coverage and apply by simply calling The Personal at 1.877.277.7165, or visiting our website.
next step
Having reviewed your property information, The Personal will offer you the best rates based on your needs. If necessary, a home inspection may also be required.
next step
Receive your Policy
Once you accept the offer, you will be enrolled in the OMA Insurance program and your policy will be mailed to you right away.

At this stage, and every stage.

As one of your most cherished assets, your home deserves the best protection possible. OMA Insurance makes it easy to get coverage that protects the things you treasure, today and at every stage of your career.


​1 All-Risk protection covers the most common risks that could directly damage your property. Basic coverage includes risks such as fire, theft, vandalism, damage due to wind, certain types of water damage, falling objects, and a vehicle hitting your house. All insurance policies—including "all risk" policies— have exclusions such as normal wear and tear, gradual deterioration or mechanical failure. Some exclusions can be insured with optional protection.

Since 1974, The Personal has been providing home and auto group insurance to members and employees of participating organizations across Canada, including health care professionals. Subject to certain limited exceptions, the OMA Home & Auto Insurance Program is underwritten by The Personal General Insurance Inc. in Quebec and by The Personal Insurance Company in all other provinces and territories (collectively carrying on business as "The Personal").

The clauses and terms pertaining to the described coverage are detailed in the insurance policy. Certain restrictions and inclusions are included therein.

Some conditions apply. For full details, please refer to your policy.