Compare the best Hamilton home insurance quotes & save today

Getting the best home and car insurance in Hamilton starts with bundling the two policies together which could save you up to 25%. 

If you want the "best" that typically means adding more coverage to ensure you're protected from risks. So, with your car insurance, consider adding comprehensive and collision insurance. They protect your car from damage, even if you're at fault. 

At home, you can add flood insurance to protect yourself against Canada's #1 claim. Floods come in many forms including sewer backup and overland water (e.g. fast-melting snow around your foundation). 

Adding coverages comes at a cost, so to get the best may mean the most value. If so, use our quoter at the top of the page and we'll provide you with the insurance company who will give you the best price for the best insurance coverage. 

Cheap insurance could cost you more in the long run. If you have to make a claim, and you don't have the proper coverage in place, you may end up paying out of pocket. You want good coverage, at an affordable price. Here are some ways to do that: 

• Compare home insurance quotes annually
• Increase your deductibles
• Only make necessary claims (i.e. no small stuff)
• Increase security with monitored alarm systems
• Keep a well-maintained home to avoid small problems getting bigger
• Renovate with safety in mind (e.g. waterproofing, up-to-date plumbing and electrical)
• Ask your insurance broker for discounts such as groups, like unions or alumni. 

Finding a broker is a personal choice, so it's hard to say which one is best. However, you can view our preferred insurance brokers. Alternatively, use our Hamilton home insurance calculator to find which company will give you the best rate. We'll automatically connect you with a broker to help finalize the deal and answer any questions you may have about insurance. 

You hear names like Intact (Belair direct), Aviva, or SGI thrown around, but finding the best home insurance company for you doesn't mean choosing the most popular. Each home insurance company will look at your unique housing situation and put a price tag on it – some charge more than others, and it fluctuates all the time. So, you can ask friends and family for referrals, or visit the closest agency, but we like to think comparing quotes online in minutes is easier, and guaranteed to find you the best rate among Canada's top providers. 

In all of the different coverages, there are some things that are excluded from policies. Generally, they're due to wear and tear that gets worse due to negligence. For instance, mould is seen as a lack of maintenance from a homeowner. If a home insurance claim could have been avoided with regular maintenance, you can expect it to not be covered.

Other common exclusions include infestations from termites or rats, home businesses, dangerous dogs, and sewer backups.

In Hamilton, you don't need additions like earthquake insurance, but additions to your contents insurance to make sure you have coverage for the most valuable possessions aren't necessarily a bad idea. If you live in a low-lying area near water, consider adding sewer backup insurance and overland water. 

Yes, if you’re unhappy with your rate or customer service, feel free to move on. However, before you do, it’s important to shop around for home insurance quotes, select your new provider, inform your old provider and ensure there are no coverage gaps while you transfer.

Unlike auto insurance, where age and gender can play a role in determining your rate, home insurance only cares about the home itself. You can get married, share the home with your new spouse, and even add children if you want to and it won’t affect the rate you pay.

Make a complete list of damaged or stolen items. Call your insurance provider as soon as you can and ask about what you’re entitled to, especially if you can’t currently live in your home as you may be entitled to hotel and food expenses. A claims adjuster will be in contact with you to fill out a proof of loss form. Ask about using your own contractor or if you’re required to use one they supply to repair the property.

A deductible is the portion of the claim you’re responsible for paying before the insurance company will pay the rest. A higher deductible, meaning you'll pay more than standard in the event of a claim, will result in lower premiums. 

Depending on when you cancel, there should be no charges to switch at the end of your contract. If you’re switching mid-term, you may incur some cancellation and administrative fees. If you’ve paid your premium annually, you may be entitled to a refund. For more details, read our blog "switching insurance companies"