TBH it was a pain in the rear. It's much more expensive here. You do at least get better coverage. There was a bunch of handy stuff if we ever needed extra help while recovering from an accident, so at least there's more to it than the less competition/higher risk in a city (if you're in Toronto especially) issues. We ended up using a broker. Two, actually, and went with the cheapest option. We felt kind of bad about that but got cold feet and checked with a website-based brokerage at the last minute. I would completely recommend going that route. Individual insurance companies vary so much, especially when you're coming from the US and it's much easier to let someone else figure it all out, especially if you need tenant's insurance too.