Compare the best Windsor home insurance quotes & save today

Prices range quite a bit depending on your location, square footage, and type of home. An average home insurance policy in Victoria is about $800 per year or around $70 per month. Looking for condo insurance? Your price should come down closer to $35 per month. If you're renting, you can get tenant's insurance for as little as $15 per month.

Getting the best home insurance in Ontario typically requires extra coverage to insure yourself against all risks. Most home insurance policies are comprehensive in nature, except for a few things. For instance, you can flood insurance which extends your coverage for many water risks that often fall outside of standard protection. To save more money, consider renovations and upgrades that improve safety to reduce the risks of a home insurance claim. You can even go so far as to install a monitored alarm system to deter thieves, and maybe earn further discounts on your home insurance premiums. 

If CAA, Aviva, and Intact are on the brain, they should be. They spend a lot on advertising. But finding the best home insurance company for you doesn't mean choosing what brand you see the most. 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.

Our suggestion is to, once a year, take 5 minutes to compare home insurance quotes to see which company will give you the best price for the best value. If your current provider is still winning and you're happy with the customer service, stay on. If you're not getting the cheap insurance you want, consider switching providers you can find in our quoting experience. 

There are some things that are excluded from standard policies. It's most often 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. Water is a tricky peril and for some instances, it's included in your coverage, while for other scenarios it's not.  Read our blog on sewer backup - without this valuable add-on to your policy, you could be paying thousands in repairs and renovations. 

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. Read our blog to know how to change insurance providers.

Unlike Windsor 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.

A home insurance peril is an unknown or accidental event. For instance, if your home is struck and damaged by lightning, creating a hole in your roof, there is no way you could have prevented it. But a home insurance policy is not a maintenance plan so if your roof has slowly degraded over time and now needs replacing, it is not a peril since its eventual replacement is expected.

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.

Your 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.