Ontario Residential Financial Incentives for Insulation


Home Energy Conservation Program

Qualify for up to $5000.00 back, plus additional electrical incentives for installing eligible energy efficiency upgrades in your home. Save up to 20% yearly on your energy bill and increase home comfort. Upgrades make your home warm during winter and cool in the summer.

To participate in the Home Energy Conservation Program, you must meet the following requirements:

  • Own a detached or semi-detached house, mobile home, or row townhouse
  • Heat your home using natural gas, oil, propane, wood, or electricity
  • Complete home energy audits both before and after renovations are made
  • Plan and complete at least two qualifying renovations
  • Live in the Enbridge Gas Program delivery area


  1. Complete a home pre-audit with a Registered Energy Advisor (REA). Contact one of many available REAs listed at enbridgesmartsavings.com. It takes 2-3 hours and will ensure you qualify for the program. Once you complete the program, you’ll receive $600 back for the audits.
  2. Successfully complete at least two qualifying upgrades. Enbridge recommends getting at least three quotes before choosing a contractor. Contractor list can be found online at enbridgesmartsavings.com
  3. Complete a home post-audit with the same Registered Energy Advisor. The post-audit takes 1-2 hours and must take place within 120 days of your initial pre-audit. Your REA will then submit your paperwork to Enbridge, and you’ll receive your incentive cheque by mail within 90 days.


  • Air Source Heat Pump: Up to $6,300 per appliance
  • Appliances: Up to $75 per
  • Central Air Conditioner: $600
  • Heating System (furnace or other): Up to $1,000
  • Upgraded Insulation: Up to $1,750 per insulation
  • Water Heater: $500
  • Windows/Doors: approx. $80 per
  • And many more!

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Home Winterproofing Program

A program to help lower-income homeowners pay for the cost of home improvements.

Contact:  Contact a Delivery Agent to get started.

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Home Assistance Program

Free energy efficiency upgrades for lower-income households, including the supply and installation of attic or basement insulation.

Contact:   1-855-234-9376

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Home Energy Loan Program (HELP)

The City of Toronto and Livegreen Toronto are offering low interest loans for energy and water efficiency improvements, including basement, attic, and exterior wall insulation.

  • 5-year amortization at 2.0%
  • 10-year amortization at 2.75%
  • 15-year amortization at 3.5%

The loan will be repaid in installments on the homeowner’s property tax bill.

Contact:   1-800-224-9376 | 604-224-9376

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Affordable Housing Conservation Program

The program offers up to 50% off the cost of a fully installed energy efficiency project.

Contact:   An account manager

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Home Reno Rebate

The program offers the following rebates to homeowners living in detached/semi-detached homes in Central or Southwestern Ontario who complete at least two of the eligible renovations, including:

Basement Insulation

  • $1,000 for adding at least R-23 to 100% of the area
  • $500 for adding at least R-12 to 100% of the area
  • $800 for adding at least R-23 to 100% of the crawl space wall
  • $400 for adding at least R-10 to 100% of the crawl space wall
  • $450 for adding at least R-24 to 100% of the floor above the crawl space

Exterior Wall Insulation

  • $1,500 for adding at least R-9 to 100% of the building to achieve a minimum of R-12
  • $1,000 for adding at least R-3.8 to 100% of the building to achieve a minimum of R12

Attic Insulation

  • $500 from R-12 or less to at least R-50
  • $250 from R-13 to R-25 to at least R-50
  • $500 for adding at least R-14 to the cathedral ceiling or flat roof

Contact:   Contact an Energy Advisor to get started.

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Home Weatherization Program

To help lower-income households save money on energy bills, the program offers free insulation where it is needed in the attic, wall, and basement.

Apply online here

Contact:  1-888-855-3106

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Home Assistance Program

The program offers free energy efficiency upgrades to lower-income households.

Contact:   your local energy provider

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New Home Construction

An offer for builders and renovators that achieve an EnerGuide (EG) rating of at least 83.

  • $500 for achieving EG83 or EG84
  • $1,000 for achieving EG85

Contact:   your local energy provider

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Green Saver: Energy Conservation in Action

An integrative company focused on solutions to conservation and the built environment.  We work for electric utilities, gas utilities, homeowners and contractors all in an effort to reduce energy consumption, lower costs and reduce our collective environmental footprint.

Offers programs for:

  • Consumers
  • Business
  • Utility partners
  • Homeowners, contractors, and builders

Contact: 1-888-719-8445 – hap@greensaver.org

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Hi-rise Retrofit Improvement Support (Hi-RIS) Program

The City of Toronto’s Tower Renewal program offers a range of services to residential apartment building owners including the Hi-RIS financing program. Hi-RIS provides competitive financing at fixed rates to property owners wanting to undertake building improvements that reduce energy and water consumption such as insulation for the roof or exterior walls. Residential apartment buildings with 3 or more storeys located in Toronto are eligible to apply for this program.

  • 5-year term interest rate 2.00%
  • 10-year term interest rate 2.75%
  • 15-year term interest rate 3.5%
  • 20-year term interest rate 3.75%

The loan will be repaid in installments on the building owner’s property tax bill.

Contact: 416-392-9688 | tower@toronto.ca | www.toronto.ca/hi-ris

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