The Ontario Homeowner Hub
Everything you need to protect your home, hire the right contractors, and avoid costly mistakes. Free guides built from real data across 17,930+ Ontario contractors.
First 90 Days
24 tasksWeek-by-week checklist for new Ontario homeowners. What to check, when to check it, and who to call.
Read the guideInsurance Guide
6 sectionsCoverage types, cost expectations, red flags, and how to file a claim. Everything your policy should include.
Read the guideWarranty Protection
6 sectionsHome warranty vs insurance, what is covered, when it makes sense, and the maintenance schedule that keeps it valid.
Read the guideBuilt on Real Contractor Intelligence
5 Warning Signs When Hiring a Contractor
Ontario homeowners lose millions every year to unlicensed and predatory contractors. Watch for these red flags before signing anything.
No written estimate
A legitimate contractor provides a detailed written quote before starting work. Verbal agreements leave you unprotected.
Demands cash only or full payment upfront
Standard practice is 10–30% deposit with the balance on completion. Full payment upfront is a walkaway signal.
No WSIB coverage
Without Workplace Safety and Insurance Board clearance, you are personally liable if a worker is injured on your property.
Pressure to decide immediately
"This price is only good today" is a manipulation tactic. Legitimate professionals stand behind their pricing.
Refuses to show a license
Electricians (ESA), gas fitters (TSSA), and builders (HCRA) must hold provincial licenses. No license means illegal work.