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Nowadays, it’s easier than ever to go online and quickly purchase home insurance with or without a broker. However, going through a broker gives you something you can’t buy anywhere else—peace of mind. BrokerLink has brokers with offices in Nova Scotia, New Brunswick, Newfoundland, Ontario, and Alberta. Each broker will take the time to get to know you and help you find affordable home insurance that suits your lifestyle.
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
Home insurance is a contractual agreement between you and an insurance company about your dwelling and personal belongings. You agree to pay a regular fee (called a premium), and in return, they promise to help cover costs if your home or contents are damaged by a covered event, including but not limited to fire, theft, vandalism, or certain weather-related losses. Most home insurance policies can be broken down into two main domains: property and liability. Property insurance covers damages to the physical property that you own. Liability is designed to cover actions that you take, or that take place in the home you own or rent, and can protect you in the event of a lawsuit or claim. The level of home insurance coverage offered by insurers range from minimal or basic insurance, to very comprehensive insurance. Home insurance can cover things like:
Costs to repair or rebuild your home and replace your personal belongings after a covered loss
Expenses and legal fees related to third-party property damage or injuries that occur at your home (personal liability)
Additional living expenses if you need temporary housing while your home is being repaired
In a home insurance policy, a peril is an event, or risk, that your home may be covered for. Depending on your insurance policy and the extent of your coverage, the perils you’re covered for will vary. The perils you choose to include in your policy will have a lot to do with your specific situation and region. For instance, if you are in a region that is known for flooding, you’ll want to inquire about the availability of flood insurance. On the other hand, you may not need to list volcanoes as one of your perils. A big advantage to working with a broker is that you don’t have to figure it all out by yourself. A BrokerLink home insurance broker can help you navigate the ins and outs of what home insurance policy you need from an insurance provider. This list is not exhaustive, however, here are some examples of perils that might be included on home insurance policies:
Fire
Lightning
Earthquake
Flood
Hail
Hurricane
Power Outage
Tornado
Volcano
Wildfire
Winter Freeze
It is also important to be aware of events or perils not covered by insurance. Maintenance costs and general wear and tear are just a few examples of perils not included in home insurance. What’s covered specifically depends on the rules in your province and any coverage options or endorsements you choose to add to your policy.
Home insurance isn’t required by law in Canada. But most mortgage lenders will ask you to have it—often at least fire coverage—before they approve your loan. Even if it’s not required, home insurance is a smart idea because it protects your home, your belongings, and your liability if someone gets hurt on your property. A BrokerLink broker can help you choose a home policy that fits your needs and budget and keeps you compliant.
Insurance policies can be complex, but most coverage types fall into three broad categories. The key difference is how they treat perils—the causes of loss. Some policies only cover perils that are specifically named, others cover all risks except those explicitly excluded, and a third blends elements of both. Pay close attention to how perils are included or excluded, because that determines what claims will be paid. Understanding this upfront helps you see what’s covered, what isn’t, and avoid surprises at claim time. To make sure your coverage is right for your province, speak with a broker who knows the local rules and requirements. Below, we’ll review each province to help you choose the best coverage:
All-risk dwelling and contents with replacement cost
Additional living expenses (loss of use)
Sewer backup and overland water
By-law/code upgrade coverage
Content coverage
Earthquake coverage
Service line coverage
Equipment breakdown & home systems protection coverage
Scheduled valuables coverage
Identity theft & cyber coverage
Umbrella liability coverage
Home business or short term rental/Airbnb endorsement
This offers coverage for fire, theft, vandalism, wind as well as personal liability insurance. If your home is damaged by a fire or wind storm this coverage will help you to recover your property.
If your home becomes unlivable due to a covered claim, additional living expenses coverage pays for temporary housing, meals, and other increased costs.
Standard policies often exclude damage from sewage backing up into your home. Sewer backup coverage adds protection for personal property and repairs when Saskatoon’s drainage system gets overwhelmed.
Overland water coverage protects against flooding from outside water sources like heavy rainfall or overflowing rivers. This can be especially important in low-lying areas near the Red River.
This coverage helps pay the extra cost to repair or rebuild your home to meet today’s building codes after a covered loss, like a fire or storm. It can also cover required demolition of undamaged parts and higher costs for permits or materials.
Earthquake coverage helps pay to repair your home and replace your belongings after an earthquake, and it may also cover temporary living costs.
Service line coverage helps pay to fix or replace the underground pipes and wires on your property—like water, sewer, electric, or gas—when they fail from age, wear, roots, or freezing. It often also covers the digging and yard/driveway repairs up to your policy limit, but it doesn’t cover city‑owned lines.
Modern homes rely on appliances and systems that can fail unexpectedly. When a major home system or appliance breaks down due to mechanical or electrical failure, this coverage helps repair or replace it.
Scheduled valuables coverage lets you list pricey items—like jewelry, watches, art, or instruments—on your home policy with their own set values. It gives you higher limits and may cover more types of loss than a standard policy.
This coverage helps with the costs of restoring your identity if it’s stolen. It can pay for credit monitoring, lost wages, and legal fees.
A home umbrella policy gives you more liability coverage beyond your basic policies. It can help with major claims and legal defense if someone is hurt, property is damaged, or you’re accused of libel/slander.
A home business or short-term rental (Airbnb) endorsement adds limited coverage to a homeowners policy for business activities or paid guest stays at your home, including some protection for business property and liability if a client or guest is injured.
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Saving money on home insurance in Ontario is simpler than ever, especially with the help of a licensed insurance broker. At BrokerLink, our goal is to make your home insurance as budget-friendly as possible. We provide practical tips and guidance to homeowners to help lower their insurance costs. Check out some of our best advice below:
If you have other insurance—like auto, motorcycle, or cottage—consider bundling them with your home policy under the same provider. Many insurers offer multi policy discounts that can meaningfully lower your home premium.
Your home policy deductible is the amount you pay out of pocket before coverage applies. Choosing a higher deductible typically reduces your premium, but be sure it’s an amount you can comfortably afford if you need to make a claim.
Insurers often have discounts you won’t see unless you ask. Common savings include monitored smoke/CO alarms, claims free history, approved upgrades (e.g., updated wiring, plumbing, or a newer roof), water damage mitigation (sump pump or backwater valve), or membership in certain professional associations.
Enhancing home security—such as installing deadbolts, a monitored alarm, smoke/CO detectors, and water leak sensors/auto shutoff—can reduce risk and may qualify you for discounts. Exterior lighting, smart cameras, and protective features like sprinkler systems can also help, so mention them to your broker.
Example: If you have a monitored alarm system, a burglar breaks into your home, you as well as the local authorities would be advised of the break in immediately, reducing the risk of damage and ensuring the safety of your home and belongings.
Don’t settle for the first quote you get. Compare prices and coverage from several home insurance providers. Rates for similar protection can vary a lot, and features like water protection or replacement cost may differ, so shopping around can pay off.
Your needs can change over time. Check your policy each year to make sure limits and endorsements still fit—especially after big purchases or life changes. You might find you’re paying for coverage you don’t need or that you need more protection in key areas.
Factors like your home’s location (flood, fire, or theft risk), age and condition (roof, wiring, plumbing), size, heating type, and your claims history can all affect your rate. Knowing these drivers can help you make informed choices—like upgrading an old roof or choosing a lower risk neighbourhood—to keep costs down.
Use your insurance for significant losses. Frequent small claims can increase your premiums, so consider paying minor repairs out of pocket when you can. A higher deductible can also discourage small claims and reduce your rate.
If you renovate or add value to your home, tell your insurer. Your coverage and rebuild cost may need to be updated, and certain projects might require special coverage during construction. Keeping your policy current helps prevent being underinsured.
A licensed broker can compare policies from multiple insurers to find the right coverage at a competitive price. They’ll also explain options, look for discounts you might qualify for, and tailor the policy to your home and budget.
There are many factors that affect the cost of home insurance. For example, the type of residence and the area you live in make a big difference in how much you’ll pay. It might be helpful to think of the factors within two general categories:
Below, we break down the most important information about your home:
In general, the more there is to insure, the more it costs to insure it. Larger square footage increases the estimated rebuild cost (materials and labour), which is a major driver of your premium. Bigger homes also tend to have more rooms and features—like finished basements or extra bathrooms—that raise replacement values for both the building and contents.
Outdated wiring, plumbing, or roofing increases the chance of fire or water damage, which insurers price into the premium. Upgrades like replacing knob-and-tube wiring, updating the electrical panel, or installing a new roof can lower risk and may help reduce your rate.
The surrounding environment plays a part in calculating your home insurance. For instance, the distance from a fire hydrant or the crime rate in your neighborhood may affect your home insurance rates.
Construction materials and finishing could potentially impact the value of your home. Logically, the more valuable your home, the more expensive it would be to replace it.
Here’s what you need to know about your home:
The more claims you have filed in the past can affect how much you pay monthly. If you have a history full of claims, insurance companies may perceive you to have a higher likelihood of filing another claim.
A longer history of insurance for providers to consider may help them assess your risk with more confidence.
Some factors have more of an impact than others but knowing what these factors are will help you better understand your insurance premiums.
Exploring coverage options? A BrokerLink broker can help you find savings and the right protection for your needs. We’ll prepare personalized quotes and walk you through your best choices.
Contact a BrokerLink broker or visit a nearby branch for help with new policies or updates—we’re here to help.
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Have questions? Our FAQ section has the answers you're looking for. Find helpful information to guide you through your options.
Yes! You can save up to 15% on both policies by bundling home and auto. Talk to an insurance broker about how you can save by bundling.
Investing in home insurance is an important way to protect both your property and your possessions. You need to read the specifics in your policy to determine what possessions are indeed covered so that you can determine whether you need additional coverage or forms of insurance for certain belongings.
It is not more expensive to work with a home insurance broker. In fact, since insurance brokers are insurance experts, you could even save money! Brokers have the inside scoop on discounts and tips that can help you save and ensure you have the coverage you need.
Home insurance does not cover aluminium wiring. Aluminium wiring tends to be found in older homes and is more likely to cause a fire. If you have a home or are planning to buy a home with aluminium wiring, be sure to disclose this to your broker so they may advise you on what steps to take. You may need to replace the aluminium wiring; however, an insurance company will often provide temporary coverage with this condition in place.
Home insurance in Canada is not mandatory. However, home insurance is usually required if you are taking out a mortgage.
The exact process of making a claim depends on your insurance company, but here’s how you make a claim:
Contact your insurance company: Some insurance companies prefer you call. Other insurance companies allow you to submit a claim online. If you’re not sure how to contact your insurance company, you can call your broker, and they’ll assist you.
Follow the instructions from the insurance company: You may need to take photos of any damage. The insurance company may arrange for a professional to inspect the damage.
If the claim is approved, the insurance company should cover the cost of repairs and damages, minus your deductible.
The amount of time it will take to resolve a claim depends on the type of claim. Your broker and the insurance company can give you an expected range for how long it will take to resolve.
Two main factors determine the value of your property: appraisals and sales in your area. You can get your home professionally appraised, and you can check municipal records for recent sales to determine how much your home is worth.
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