Maybe you’ve seen their name while shopping around for insurance before or already use them to manage your finances. Whatever the reason may be, you might be considering getting iA home insurance.

But are they the right fit? Do they offer the coverage you need at a price that works for your budget? 

In this article, you’ll learn more about iA, the potential pros and cons to consider, and how it’s different from an insurance broker like YouSet. That way, you can make the most informed decision and choose a provider that matches your needs and expectations.

How is YouSet different from iA?

YouSet combines the convenience of an online platform with the advantages of a licensed insurance broker, while iA is a direct-to-consumer insurer that underwrites and sells its own policies. As such, there are key differences between YouSet and iA to consider, which you can see outlined clearly in the table below.

	YouSet	iA
Type of provider	Digital insurance broker	Direct-to-consumer (D2C) insurer
Products	Home, tenant, condo, and car	Home, tenant, condo, car, life, travel, and health
Number of insurers	18 insurers (Full list of YouSet insurers)	1 insurer (themselves)
Price comparison	Side-by-side comparison, shows multiple quotes	No comparison, only shows one quote (their own)
Underwriting	Does not underwrite policies	Direct writer (underwrites its own policies)
Checkout	Online checkout or by phone	Online checkout or by phone
Claims	Claims handled by the insurer, additional support from YouSet, as needed	Claims handled directly by iA

iA home insurance pros and cons

Discount for iA clients

iA offers a wide range of insurance, financial services, and wealth management products. If you already have one and are a client, you may be eligible for a discount of up to 10% off home insurance. 

Quebec only 

Since iA offers financial services and wealth management products throughout Canada, you might assume their home insurance is available across the country as well. However, as of March 2026, iA home insurance is only available in Quebec.

Part of the iA Financial Corporation Inc.

iA is not only a trusted and nationally recognized financial corporation, but it is also one of the largest insurance companies in Canada. Policyholders may find this affiliation with a well-established and reliable institution reassuring, as it provides confidence that iA can fulfill its obligations.

Limited online checkout

iA offers a $50 discount for policies purchased through their online checkout. However, the website notes that online checkout may not be available to everyone and that online quotes are “estimates” for new customers only.

Extended business hours 

If you’re unavailable during daytime business hours, iA offers extended business hours in the evenings and on Saturdays. This ensures you can access assistance at a time that works for your schedule.

Restricted to iA products and pricing

If you buy home insurance from iA, your policy will typically be underwritten by the company itself or one of its affiliated companies. If so, it means that you’re limited to their coverage options, pricing, and discounts. By comparison, a digital insurance broker like YouSet compares multiple insurers, with different underwriting and pricing structures, to help you find the coverage you need at the best price.

Coverage for pools and hot tubs

Pools and hot tubs are susceptible to damage from freezing and thawing, which can cause cracks or leaks. Because these repairs can result in significant financial costs, homeowners can choose optional coverage that helps cover this. 

Bundling savings may be potentially limited

Bundling home and home insurance with iA can save you money, as advertised. However, bundling with a single carrier doesn’t always offer the most savings possible. Rather, a mix-and-match approach to bundling, where products and pricing from multiple carriers are considered and combined, can help you maximize your savings and find the most cost-effective solution.

Get the best price on insurance year-after-year

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iA vs. YouSet home insurance

After getting a home insurance quote from iA, it’s wise to compare quotes from an alternative provider, such as YouSet, to see if that’s truly the best price you can get or if there’s a better deal available.

Since 2017, YouSet has been making it easier for Canadians to buy home and car insurance online. Why spend hours manually comparing quotes when our proprietary technology can do it all for you in less than 4 minutes? Not only that, but we’ll also have Canada’s top insurance providers competing for your business, ensuring you get the best price year after year. With over 300,000 users and an average online review rating of 4.9 stars, YouSet is a broker well worth considering. 

Best price year-after-year

YouSet’s algorithms are designed to do one thing – find you the best price. Not just the first time you buy, either. If your price increases at renewal, we’ll alert you and even help you re-shop with another carrier.

Transparent renewals

Anytime a YouSet insurance policy comes up for renewal, our team will make sure you’re paying the best price possible for your policy. If that’s no longer working, we’ll help you re-shop another carrier for a better deal.

Mix-and-match approach to bundling

YouSet is the only digital broker in Canada that automatically compares the cost of bundling home and car insurance from a single carrier against the cost of mix-and-matching home and car carriers. Whichever option offers the maximum savings is the one we present to you.

Buy, manage, and renew your policy online

How much easier would it be if you could purchase a policy, personalize it to fit your needs, make modifications to it, and renew it, all without having to make any phone calls or wait on hold? With YouSet, you can do all that and more with our self-serve features.

Highly reviewed by Canadians

With an overall rating of 4.8 out of 5 stars on Google, the general consensus among YouSet users is that YouSet is making it easier to find affordable insurance and buy it online at the best price year after year.