I'm afraid we'll need some more information. Auto insurance in particular varies from Province to Province in Canada. Manitoba, where I live, has a single Government owned/sponsored auto insurance called Autopac. No private insurance company can offer basic auto insurance in Manitoba, but they can provide additional top up insurance over the basic Autopac. Autopac also offers premium add on insurance such as higher third party coverage, reduced deductibles and so on. If we're talking Ontario, I believe it's all private insurance. So... until we know the Province in question, it's hard to answer.
House insurance is different, I don't think any Province has a single insurance scheme like our Autopac but there's still lots of options and again, they vary somewhat from Province to Province.
Regards
Christian