Home Insurance in Huntsville

While Huntsville was voted the number one place to take a summer trip in 2011, it’s also a great place to call home. In communities from Allenville to Yearley, people love life in Huntsville all year round. Cherish it and protect it with a home insurance policy from your local BrokerLink broker in Huntsville, providing the right coverage at the best possible price.

How can I find home insurance in Huntsville?

People travel from around the world to visit Huntsville. Many people have cottages in the area, but thousands of people also call it home. So whether it’s your home or cottage, you’ll want to take care of your place and all your belongings with sound insurance at an affordable price.

Here at BrokerLink, we understand just how difficult finding the right insurance policy can be. That’s why we are here to help. We are a local insurance brokerage with years of experience helping Huntsville homeowners like you find the best possible home insurance coverage at a competitive rate. For flexible and reliable insurance, we’ve got your back. Keep reading to learn more about BrokerLink’s comprehensive home insurance solutions.

Huntsville basic home insurance coverage

Having home insurance in Ontario is one of the most practical ways a person can protect their home. Even though it’s not required in Ontario, many Huntsville homeowners still consider it a worthwhile purchase, thanks to the peace of mind and financial protection it provides. With the right homeowners insurance policy, your home and personal property can be safeguarded from all kinds of risks, such as property damage, third-party lawsuits and more. We’ve outlined the three components of basic home insurance for homeowners below:

1. Dwelling coverage

In Huntsville, housing insurance covers the building and foundation that make up your actual home. Should one of the covered risks damage your property, you could be covered by the dwelling portion of your Huntsville house insurance policy. Hazards that are typically covered by homeowners insurance include fire, smoke, lightning, wind, theft, vandalism, falling objects, and more.

2. Contents coverage

Whereas dwelling insurance aims to protect the physical structure of your Huntsville home, contents coverage is designed to protect the contents of your home (e.g. your personal property). Items that contents insurance may cover in the event of loss or damage include furniture, clothing, electronics, jewellery, sporting equipment, and more.

3. Personal liability coverage

If a guest is hurt while on your premises, having personal liability insurance would be beneficial, as you can be held accountable and liable for all costs, including medical and legal bills. However, with home insurance coverage, the personal liability section of your insurance might assist in offsetting these costs. It might also protect you if you damage a neighbouring house.

Add-on coverage options for Huntsville home insurance

Sometimes, homeowners need more extensive coverage than a standard homeowner’s insurance policy can offer. Luckily, most insurance providers in Ontario offer additional coverage options for Huntsville residents. So if the standard policy doesn’t have quite what you’re looking for, consider adding an endorsement, such as business use, equipment breakdown, or sewer backup. Here’s what they can do for you:

1. Business coverage

If you operate a home-based business, you may want to obtain business coverage. Damage caused by business operations is typically not covered by most standard Ontario house insurance plans. Therefore, your insurance company might not cover something that happened as a result of your home business unless you include a business coverage endorsement on your policy.

2. Equipment breakdown coverage

Another extra coverage option provided by many insurance companies is equipment breakdown coverage. This can be beneficial if any equipment in your home breaks down abruptly or unexpectedly (e.g., your washer and dryer, HVAC systems, home security systems, and kitchen appliances). Although not usually included in Huntsville's standard home insurance policies, this extra coverage could be useful, especially when you consider how much it might cost to replace or repair broken home equipment.

3. Sewer backup coverage

Huntsville residents may decide to add sewer backup coverage to their homeowner policies. By including this add-on in your insurance plan, you may be able to partially offset the cost of restoring damages to your home caused by a sewage backup.

Please keep in mind that the additional insurance coverages mentioned above are routinely offered as riders or endorsements to current property insurance plans.

What your Huntsville home insurance policy may not cover

Even with dwelling coverage, contents coverage, and personal liability coverage, house insurance policies nonetheless still have their limitations. Huntsville homeowners should be aware that all house insurance policies have exclusions because of this that are outlined in their terms in conditions. These clauses often specify the situations where a policyholder’s protection will become void. In order to ensure that you fully understand what is and isn’t covered by your insurance policy, it is crucial that you consult with your insurance provider.

The following scenarios that Huntsville house insurance policies don’t normally cover have been compiled by our specialists at BrokerLink:

Home sharing

A growing number of Huntsville homeowners are resorting to short-term rentals as a means of making extra income. This concept, often known as home-sharing, gained popularity as a result of websites like VRBO and Airbnb. While house sharing might result in additional monthly income, this might lead to the cancellation of your homeowner’s insurance should you neglect to tell your insurance provider.

Vacant home

If your property will be left vacant for an extended period (e.g., more than a month), you must inform your insurance provider as this could have an impact on your premiums. Before you depart (for instance, to the south during the winter), speak with your insurance broker to review vacant home insurance policies. If damages or a loss occurs while you are away, your current home insurance provider may not cover it.

Failing to maintain

Another situation in which your homeowners insurance policy may become invalid is if you neglect the maintenance of your home, allowing it to fall into a state of disrepair. For example, if your roof is missing shingles which causes water damage, your insurance company may refuse to pay for the damage.


If a renovation causes property damage, your homeowner's insurance policy may not over the costs. If your home is being renovated, we advise letting your Huntsville insurance broker know as soon as possible because the changes can affect how much your home insurance will cost.

How to save money on your Huntsville homeowner insurance

Here at BrokerLink, we believe that homeowners insurance should be affordable for everyone, and we strive to make it so. We are committed to helping homeowners in Huntsville find extensive coverage at competitive rates. By shopping around on your behalf and comparing quotes, we ensure our customers receive the cheapest homeowners insurance rates. Plus, our expert BrokerLink insurance brokers love to share their best money-saving tips, such as the ones below:

1. Install a security system in your Huntsville home

One way to lower the cost of your property insurance is to install a home security system. Since some security systems provide an additional layer of protection to houses, many insurance companies grant discounts to homeowners who install them. Learn more about the varieties of security systems that can qualify for a home insurance discount in Huntsville by speaking with one of our insurance brokers at BrokerLink.

2. Bundle multiple insurance policies and save

If you are shopping around for various forms of insurance (e.g., auto insurance, business insurance, home insurance), you may want to purchase them from the same insurance company. If you purchase many insurance policies from the same provider, you could save upwards of 15% on each of them. To help you save money, look into bundling your policies should you need more insurance than just property insurance, such as home and auto insurance, or if you need two different types of home insurance, like condo insurance for a second home.

3. Increase your policy deductible

Raising the deductible on your homeowner's insurance is yet another easy way to reduce the amount of your home insurance. This applies to all insurance types. Frequently, a higher deductible leads to a lower rate. Having said that, it is necessary to understand deductibles and the impacts of raising them before proceeding. Remember that the higher your deductible, the more you would be required to pay toward an insured loss as a result of a claim. For this reason, you should never raise your deductible higher than you can manage.

4. Regular home maintenance

Homeowners can reduce unforeseen expenses and lengthen the usable life of their equipment by performing simple home maintenance. Having the right insurance to help cover the costs of unforeseen surprises like a leaky roof is beneficial, but regular home maintenance can help reduce these surprises in the first place.

5. Pay your monthly premiums annually instead

Making the move from monthly to annual payments is another way to reduce the cost of your home insurance. Administrative costs are often applied to every payment you make; as a result, you ultimately pay 12 monthly fees instead of a single annual fee. Thus, if you are given the choice between paying your property insurance annually or monthly, be sure to find out how much each option will cost.

6. Pools raise your home insurance rates

Some people might be shocked to learn that having a pool likely means your home insurance premiums will be higher. Swimming pools present a significant liability concern, especially for unenclosed pools (e.g. not fenced in). Please be aware that we're not against you having a pool! It's merely a factor to take into account when you're looking for a home in Huntsville.

7. Live near a fire hydrant or fire station

Some insurance providers give discounts to homeowners who live close to fire hydrants or stations. Consult with a broker if you seek to reduce your property insurance costs and live close by emergency services like a firehouse. They can provide you with information on the exact requirements that must be satisfied in order to be eligible for these insurance savings.

8. Consult with one of BrokerLink’s insurance brokers

If you desire to further lower the price of your property insurance, we also advise speaking with a BrokerLink insurance specialist. The BrokerLink team is comprised of licensed insurance brokers who are all committed to finding our customers the greatest coverage. We'll spend the time to fully comprehend your needs in order to assist you in finding home insurance coverage that satisfies them. Plus, obtaining homeowners insurance is now simpler than ever thanks to the work we undertake for you. If you're looking for an insurance expert at your fingertips to compare prices and hunt for savings for you, look no further than BrokerLink.


Is Huntsville home insurance mandatory?

The Ontario government does not mandate that homeowners carry home insurance. As a result, it is not required in Huntsville. However, mortgage lenders are permitted to impose homeowners insurance as a condition of their loans, and the majority do so due to the additional security it provides. Because of this, many Huntsville homeowners must obtain home insurance coverage in order to submit a mortgage application. Additionally, landlords have the right to require tenant and renters insurance as part of their rental agreement. To find out more information about Huntsville's regulations for home insurance, contact BrokerLink.

Debunking common myths about home insurance

The following list, which was assembled by BrokerLink's insurance experts, aims to clarify some common myths about home insurance:

Myth: an older home is cheaper to insure

The notion that older homes have lower house insurance rates is one of the most popular myths. The truth is that older homes may wind up costing more to insure if they haven't been maintained, especially if they were built with subpar materials, have an outdated roof, obsolete wiring, or ineffective HVAC systems.

Myth: homeowners insurance policies cover vehicles stored in the garage

Sometimes homeowners mistakenly think that if an automobile is parked in the home's garage, it is covered by their home insurance. However, despite being inside the garage, it is not covered. It's actually just your auto insurance policy that insures your vehicle; the comprehensive coverage add-on to be precise. You will need to add this coverage to your car insurance if you want your vehicle insured while it's parked . To discover more on the differences between home insurance and auto insurance, call BrokerLink to speak with a licensed insurance broker.

Myth: basic home insurance policies protect against sewer backup

Another common misconception is that a homeowner's insurance always covers sewer backups. In the event that sewage from your home's sanitation system backflows into your home through the plumbing or toilets, sewage backup coverage may protect you.

Homeowners in Huntsville might be shocked to discover that a typical home insurance coverage doesn't cover sewage backup. Rather, it is optional coverage that can be included in a house insurance plan as a rider. Contact one of our insurance experts if you want to include sewer backup coverage in your policy.

Why work with a BrokerLink broker

We recognize that researching home insurance plans in Huntsville can be daunting with the variety of options available. Therefore, we at BrokerLink are prepared to make the exact opposite happen. Thanks to our exceptional customer service, years of insurance experience, and unrivalled resources, we offer a hassle-free service.

BrokerLink has been operating since 1991. Thus, we are well experienced in all aspects of the house insurance market. We will pair you with a cost-effective policy that offers excellent coverage thanks to our expertise and unmatched resources.

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Our involvement in the community is fundamental to who we are. Since we live here, too, we value interacting with and learning about our neighbours.

Local Ontario Insurance Links

If you’re a member of a group or association, you may be eligible for more discounts.

Contact Us

When you need insurance, Huntsville BrokerLink is here to help. We want you to be able to find the right coverage for your house, business, car, or whatever it is you need.

Visit us at any one of our locations throughout Ontario, call us, or send us an email. Whatever method you choose to get in touch with us, one of our extremely knowledgeable BrokerLink insurance brokers will be happy to assist you. Additionally, we advise you to use our online quote generator. It's free and will provide you with a competitive quote in just a few minutes.

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