Home Insurance in Belleville

In the market for Belleville home insurance? BrokerLink can help. As home insurance experts, we can help Belleville residents find quality insurance coverage to protect their homes.

Personalized home insurance coverage for Belleville residents

Home insurance is not mandated by the government in Ontario. However, if you took out a mortgage loan to pay for your house, then odds are your mortgage lender made it a requirement. Even if you don’t have a mortgage, purchasing home insurance is a wise decision due to the protection it offers. The homeowners insurance coverage you choose is ultimately up to you, but most standard Belleville home insurance policies cover the following:


Dwelling insurance covers the physical building and structure you reside in (i.e. your physical home). If your house is damaged by an insured loss, you may be protected thanks to your dwelling coverage. Dwelling insurance can protect against the following losses:

  • Fire
  • Lightning
  • Smoke
  • Theft
  • Wind
  • Car/aircraft impact
  • Explosion
  • Falling objects


Contents coverage aims to protect the personal belongings inside your home from loss or damage. Items that contents insurance may cover include furniture, clothing, electronics, jewellery, sporting equipment, and more.

Personal liability

If someone injures themselves on your property, you could be held liable for expensive legal fees or medical costs. But with a homeowners insurance policy that includes personal liability coverage, your insurance provider could help cover these costs. Personal liability can also cover you if your house or property causes damage to a neighbouring house.

Additional insurance coverage for your Belleville home

For greater peace of mind, you can choose to include additional insurance coverage with your Belleville home insurance policy. While standard homeowners plans include the coverages mentioned above, they typically don’t include the likes of equipment breakdown insurance, business insurance, or sewer backup insurance. Learn more about each of these additional insurance coverages below:

Business insurance

If you run a business out of your home, you will need to purchase a business insurance add-on. This is because standard home insurance policies in Belleville do not cover businesses. So if your home was damaged as a result of your business, it likely wouldn’t be covered under your home insurance policy. Therefore, if you operate a business from your home, it’s important to add business coverage to go with your home insurance policy.

Equipment breakdown insurance

If a piece of equipment in your home experiences a sudden or unexpected failure, equipment breakdown insurance can help. This type of insurance often covers common household equipment, such as washers/dryers, kitchen appliances, HVAC units (air conditioners, furnaces, heat pumps, etc.), and home security systems.

Sewer backup insurance

Another type of additional home insurance coverage Belleville homeowners may be interested in is sewer backup insurance. A sewer backup can cause serious damage to your home, leading to water damage that is very expensive to fix. So if this isn’t already included in your home insurance policy, you may want to think about adding a sewer backup endorsement.

Please note that the additional home insurance coverages listed above can often be added onto existing home insurance policies as riders or endorsements. Speak with a BrokerLink insurance advisor if you are interested in adding an endorsement to your policy.

Tips to save money on Belleville home insurance

Saving money on your Belleville home insurance policy just got easier thanks to BrokerLink tips. Check them out below:

Install a security system in your home

Installing a security system in your Belleville home might save you money on your home insurance. However, before purchasing a new security system, be sure to speak with your insurance provider as only certain systems may qualify for an insurance discount.

Bundle multiple policies together

Buying multiple insurance policies from the same provider can result in serious savings. So if you need to insure your car or business along with your Belleville home, consider purchasing all the insurance you need from one provider. Doing so can save you up to 15% on each respective policy.

Increase your deductible

A relatively simple way to save money on Belleville home insurance is to increase your deductible. Generally speaking, the higher your deductible, the lower your insurance premium. A deductible is the amount of money you are responsible for paying toward an insured loss in the event of damage. Therefore, by raising your deductible and agreeing to take on more responsibility in the event of a loss, your rates are likely to go down.

Choose annual over monthly payments

When you buy insurance, you typically get to choose between paying for your policy annually or monthly. We are here to let you in on a little secret: paying annually is usually cheaper. Insurance companies tack on administrative fees for each payment you make, so making one payment instead of twelve over the course of a year can save you money.

Learn more about Belleville home insurance from a broker

If you don’t know what home insurance is right for your Belleville home, get in touch with BrokerLink. As a full-service insurance brokerage, we can help you find great coverage at an affordable rate. Each of our brokers is fully licensed and has years of experience matching homeowners like yourself with quality insurance solutions. Our team will take the time to understand your unique needs and get you the coverage you deserve.


Contact BrokerLink for quality home insurance solutions in Belleville

Protect your home with Belleville homeowners insurance. Since 1991, BrokerLink has been helping Canadian homeowners find quality home insurance solutions. Whether you recently bought a new home or are looking for renter’s insurance, we can help. Our friendly team is available to answer your questions or provide you with a free quote. Simply give us a call or visit us in person to get started. You can also request a free home insurance quote now by using our online quote tool. Answer a few basic questions about yourself and your home insurance needs, and you will receive an accurate and competitive quote in minutes.

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