Home Insurance in Kitchener

Green spaces add a lot to the quality of city life, and Kitchener has plenty of neighbourhoods that combine nature with housing. No matter which neighbourhood you live in – Idlewood, Lackner Woods, Stanley Park, Eastwood, Sunnyside, Kingsdale, Rockway, Alpine Village, Doon, Pioneer Park or Pioneer Tower West – you’re going to need home insurance in Ontario.

How can I find home insurance in Kitchener?

The friendly insurance brokers at BrokerLink want to make sure that one of the biggest investments in your life is covered with the best home insurance policy. We’ll work with you to customize a policy that suits your specific needs. We will find the right balance of property insurance and extra coverage for expensive valuables. Our insurance experts will provide competitive quotes and help you find the best home insurance rate to make sure you aren’t overpaying for your coverage. We take pride in our work, so you can always feel confident knowing you’re getting the best value for your money.

Kitchener basic home insurance coverage

If you're looking for a way to protect your home and your belongings, home insurance is the way to go. Thanks to the added peace of mind and financial protection it provides, many homeowners still choose to purchase home insurance even though it is not mandated in Ontario. All you need is the right kind of insurance to ensure your home and personal property are safeguarded from all kinds of risks, such as property damage, third-party lawsuits and more. Below you'll find an outline of the three components of basic home insurance:

Dwelling coverage

Your actual residence (the building and structure) is covered by dwelling insurance in Kitchener. You might be protected under the dwelling section of your Kitchener home insurance policy if your property is damaged by one of the insured perils (such as those listed below). Several instances of risks that are frequently covered by home insurance include:

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

Contents coverage

The objective of dwelling coverage is to safeguard the physical structure of your Kitchener home, whilst contents coverage is intended to safeguard your house’s contents (e.g. your personal property). Furniture, electronics, clothing, jewellery, sporting equipment, and other things may be covered by contents insurance in the event of loss or damage.

Personal liability coverage

If a visitor is injured while on your property, personal liability insurance may be beneficial. You might be held accountable in such a scenario, which would make you liable for all costs, including attorney and medical fees. But, if you have Kitchener homeowner's insurance, your policy's personal liability section might be able to assist in covering these costs. It might also protect you if you cause damage to a neighbour's property.

Add-on coverage options for Kitchener home insurance

While the essentials of basic homeowners insurance are covered for homeowners in Kitchener, you might have more specialized requirements. But don't panic, the majority of Ontario's insurance companies provide additional coverage options. These endorsements or add-ons may cover things like sewer backup, equipment breakdown, or business. These three are described below:

Business coverage

If you run your own company out of your Kitchener home, you must obtain a business insurance add-on. In fact, it may be necessary since the majority of Ontario's standard home insurance policies do not cover losses or damages resulting from business operations. Therefore, unless you add additional business insurance to your coverage, it may not cover an incident that resulted from your home business.

Equipment breakdown coverage

Another extra comprehensive coverage choice that many insurers provide is equipment breakdown coverage. It can be useful if a piece of equipment in your house fails suddenly or unexpectedly. Equipment like your washer and dryer, kitchen appliances, HVAC systems (air conditioner, furnace, heat pump, etc.), and home security systems may be covered by this kind of insurance. Although not frequently included with conventional home insurance policies in Kitchener, this extra protection may be beneficial, especially when you consider how much it can cost to repair or replace faulty home equipment.

Sewer backup coverage

Residents of Kitchener have the option of including sewer backup insurance in their homeowner policies. Your insurance policy may allow you to partially offset the expense of repairing damages to your house brought on by a sewer backup if you include this coverage in it.

Please be aware that modern property insurance contracts frequently include riders or endorsements that add the extra insurance coverages indicated above.

What your Kitchener home insurance may not cover

The majority of house insurance policies include personal liability coverage, dwelling coverage, and contents coverage. But were you aware that there are several situations in which your property insurance coverage won't pay out or even becomes void? Because of this, it's essential for homeowners to know what isn't covered by their property insurance policy, particularly in circumstances that can invalidate their coverage.

To further inform Kitchener residents about what their home insurance policy might not include, we've compiled the list below:

Home sharing

Residents in Kitchener are now renting out their homes for brief time periods to help supplement income. This concept, often known as home-sharing, gained popularity as a result of websites like Airbnb and VRBO. Whilst house sharing could result in monthly income, it could lead to the cancellation of your homeowner's insurance if you neglect to tell your insurance provider.

Vacant home

It's crucial to let your insurance provider know if your property is vacant for extended periods of time (such as more than one month in a row), as a vacant home may affect your premiums. Contact your insurance broker to discuss vacant home insurance plans before you decide travel, such as spending the winter in the south. Otherwise, if a loss or damage occurs while you are away, your current homeowner's insurance provider might not protect you.

Failing to maintain

If you neglect home maintenance and let it deteriorate to the point that it is no longer safe, your homeowner’s insurance coverage may also be rendered void. For instance, your insurance provider can decline to cover any water damage issues caused by missing roof shingles due to basic maintenance neglect.


Lastly, if a remodelling causes property damage, your property insurance policy might not protect you. Since upgrades might affect the price of home insurance, we advise telling your insurance broker in Kitchener as soon as possible if your house is having renovations.

How to lower the cost of your Kitchener homeowner insurance

At BrokerLink, we strive to make home insurance a low-cost solution for everyone. That’s why we are committed to assisting homeowners in Kitchener with finding extensive coverage at competitive rates. We ensure our customers receive the cheapest home insurance rates by shopping around and comparing quotes with several top insurance companies. And we never shy away from sharing some of our best money-saving tips, such as the ones below:

1. Install a security system in your Kitchener home

One strategy to reduce the cost of your property insurance is to install a security system in your home. Due to the additional layer of security they provide, several insurance companies give discounts to homeowners who install specific security systems in their households. To find out more about the sorts of security systems that can be eligible for a home insurance discount in Kitchener, speak with an insurance broker at BrokerLink.

2. Bundle multiple insurance policies and save

Consider getting insurance from the same insurance provider if you are looking around for various insurance policies (such as home insurance, car insurance, renters insurance, and recreational vehicle insurance). You could save up to 15% on each insurance policy if you buy them from the same company. Therefore, if you require additional insurance in addition to property insurance (such as home and car insurance) or if you require two home insurance policies (such as condo insurance for your secondary home and one for your primary home), think about bundling your insurance policies so that you can save a lot of money.

3. Increase your policy deductible

Another easy technique for reducing the cost of your homeowner's insurance is to raise your property insurance deductible. All types of insurance can benefit from this advice. A bigger deductible frequently results in a reduced rate, whether the coverage is for home or auto insurance. Having said that, it’s vital to understand what a deductible is and the implications of boosting it before raising your home insurance deductible. In the event of a claim, keep in mind that the larger your deductible, the more you will have to contribute to an insured loss. This is why you should never increase your deductible beyond what you can afford. Contact BrokerLink to learn more about deductibles and to assess whether increasing your homeowner's insurance deductible is the best option for you.

4. Pay annually instead of monthly

Making a single annual payment rather than twelve monthly installments is another quick and simple approach for Kitchener residents to save money on their house insurance. This is to avoid any administrative fees for each payment you make, as many insurance companies do charge them. Therefore, you'll save money by paying off your insurance in one payment rather than twelve payments. Ask your insurance provider about the costs involved with each payment option if you have the choice of paying for your property insurance policy annually or monthly.

5. Avoid buying a home with a pool

You might be surprised to discover that by choosing not to purchase a property with a pool, you can save more money on home insurance. Swimming pools provide a significant liability concern, particularly those that are unfenced. Your insurance rate will likely increase if your home has one. Mind you, we’re not saying you shouldn’t have a pool. It’s just something to keep in mind while house hunting in Kitchener.

6. Purchase a home close to a fire station or hydrant.

Some insurance providers give policyholders savings if their residences are close to fire hydrants or fire stations. Speak with a broker if you want to reduce your property insurance costs and live close to emergency services like a fire station. They can provide you with information on the exact requirements that must be reached in order to be eligible for this discount.

7. Consult with a BrokerLink insurance advisor

Finally, if you wish to reduce the cost of your property insurance, we advise speaking with a BrokerLink insurance expert. Each broker on BrokerLink’s team is fully licensed, and they are all committed to finding our customers the best available policy. We’ll take the time to fully understand your special requirements before locating home insurance coverage that fulfills them. Homeowners insurance comparison shopping is now simpler than ever, thanks to the work we undertake for you as well. If you need an insurance expert at your disposal who will shop around and locate discounts on your behalf, BrokerLink is the best place to go.


Is Kitchener home insurance mandatory?

Unlike car insurance, it is not mandatory for homeowners in Ontario to have a home insurance policy. Nevertheless, many homeowners choose to purchase a home insurance policy while house hunting because mortgage lenders in Kitchener are permitted to make it a condition of their loan agreements. Therefore, you may need a home insurance policy if you wish to apply for a mortgage. Moreover, tenant insurance can also be a condition of a rental agreement should a landlord wish to require it. Contact BrokerLink to learn more about home insurance and tenant insurance requirements in Kitchener.

Common home insurance myths explained

You've probably heard of the following widespread home insurance myths. If so, BrokerLink's insurance professionals have the complete story for you:

Myth: an older home is cheaper to insure

Older homes result in lower home insurance premiums, according to one of the most widespread myths. The truth is that older homes might cost more to insure if they have not been updated (for instance, if they have an outdated roof, outdated wiring, inferior building materials, or inefficient HVAC systems).

Myth: home insurance policies cover vehicles stored in the garage

Certain homeowners might think that any automobiles parked in their garage are covered by their insurance coverage. But vehicles stored in a garage are not meant to be covered by home insurance plans. In truth, vehicles are covered by auto insurance policies, not home insurance.

If residents of Kitchener want their cars insured while they are parked in their garage, they must, more specifically, add comprehensive insurance to their auto insurance policy. Contact BrokerLink to learn more about the main distinctions between auto and house insurance from our licenced insurance company.

Myth: standard house insurance plans offer protection from sewage backup

Another common misunderstanding is the idea that home insurance policies automatically cover sewer backups. Sewage backup protection can protect against a situation in which your home's sanitary system is overloaded with wastewater and backs up into your house through the toilets or pipes.

Homeowners in Kitchener might be stunned to learn that typical home insurance coverage does not protect against this dreadful possibility. Instead, it is an extra sort of coverage that can be included in a house insurance policy through a rider. Speak to one of our insurance agents if you want sewer backup coverage included in your policy.

Three reasons to work with a BrokerLink insurance advisor in Kitchener

We recognize that looking for home insurance in Kitchener can be confusing given the variety of options available. Nevertheless, we at BrokerLink are prepared to make the total opposite transpire. Thanks to our superior customer service, insurance expertise, and unparalleled resources, we deliver a hassle-free insurance solution. Three advantages of dealing with a BrokerLink insurance advisor are detailed in the following paragraphs:

1. Brokers work independently of insurance providers

The independence of an insurance broker from insurance companies is the first advantage. This allows BrokerLink to always prioritize the needs of the customer. We'll take the time to learn about your particular requirements before offering you honest guidance on the right coverage for your house.

2. Brokers do the work for you

We recommend partnering with a broker if browsing for house insurance coverage at the end of a long day at the office is the last thing you want to do. By working for insurance brokerages like BrokerLink, your insurance advisor can handle the work for you. They shop on your behalf by getting in touch with some of Canada’s top insurance companies and requesting estimates once they know what kind of coverage you’re looking for. After comparing the quotes, they find savings for you and present you with premium insurance solutions that fit into your price range.

3. Brokers are home insurance experts

Being skilled in home insurance is a final perk of collaborating with a BrokerLink insurance advisor. BrokerLink has been in operation since 1991, so we are experienced in all aspects of the home insurance market. We will match you with an affordable policy that offers excellent coverage using our resources and experience.

We’re in your community

A huge part of who we are is our involvement in the community. We are local residents and employees who enjoy getting to know 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

At Kitchener BrokerLink, we’re here to help you with any insurance needs you may have. Whether it’s insuring your home, car, business, recreational items or pets, let us help you find the best coverage possible.

You can reach us by email, phone, or in person at any one of our locations throughout Ontario. No matter how you choose to get in touch, one of our super helpful BrokerLink insurance brokers will be happy to assist you. We also encourage you to take advantage of our free home insurance quote tool. It can provide you with a competitive quote in minutes.

Get a home insurance quote [phone]

FAQs on Kitchener home insurance

How much does home insurance cost in Kitchener?

Insurance companies must consider a number of factors when calculating premiums. Because of this, the amount that each person can will pay varies substantially. How much you pay for house insurance will depend on a variety of factors, including the neighbourhood you live in, your claim history, the value of your home, how big your home is, how many people live there, as well as the policy limits, deductibles, and coverage options you choose.

I recently bought my first home in Kitchener. What type of insurance do I need?

Ontario does not have a law requiring homeowners to have home insurance, thus residents of Kitchener are free to select whichever policies and levels of coverage they like. Nevertheless, it is advised that every homeowner purchase a home insurance plan that, at the very least, contains the baseline protection (contents insurance, dwelling insurance, and personal liability insurance).

What are the benefits of Kitchener home insurance?

For homeowners in Kitchener, home insurance offers a number of advantages. Specifically, a good house insurance plan can protect your home and its contents from physical harm as well as guard you n the event of a third-party liability claim. Your insurance may also protect you from equipment failure, a sewer backup, or business use, depending on your coverage conditions. Essentially, having a house insurance policy can protect you from paying out-of-pocket for damages or losses.

For more FAQs, visit the BrokerLink FAQs page.