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Home Insurance in Mississauga, Ontario

The city of Mississauga is an amazing place to live. Mississauga is the largest city in the Peel Region, and is ranked as Canada’s 6th largest major city, with a population of 721,599 people and growing. Located less than an hour outside of Toronto, Mississauga provides 263 playgrounds, 368 sports fields, and 327 km of walking and biking trails. Take a day to visit the waterfront and shops in Port Credit, one of Mississauga’s major entertainment hubs. Or, if you’re feeling tired of fresh air or you just need something to do on a rainy day, you can visit one of Mississauga’s many indoor shopping centres or maybe even your local Sky Zone Trampoline Park – fun!

If you call Mississauga home, BrokerLink is here to help you protect your property with the right home insurance. The best way to protect your home is by investing in a house insurance policy that is perfectly suited to all of your needs. We want to find you the best insurance coverage for your home and its contents at the best possible rate.

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What you need to know before getting home insurance in Mississauga

Did you know that having a home insurance policy is not mandatory by law in Mississauga, unlike a car insurance policy? However, if you have a mortgage on your home, most lenders will require you to have home insurance. Even if you are mortgage-free, it is a good idea to have a standard home insurance policy in order to protect your home and everything that is inside of it.

Types of home insurance in Mississauga

The exact details of your home insurance coverage in Mississauga will differ depending on the level of plan that you end up selecting. However, here are a few of the most standard coverage options that may be right for you and your home:


This aspect of your insurance policy will cover the physical building and structure that you live in (your house). If your house ends up being damaged by one of the following, you may be protected under your dwelling coverage:

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

Every policy is different, so make sure you speak to your broker in order to determine the exact coverage that you will need.


This part of a home insurance policy covers any of your personal belongings that are inside of your home. Things including your furniture, clothing, electronics, jewellery and sporting equipment could all be covered in the event of loss or damage.

Personal liability

In the unfortunate situation that someone is injured on your property, you might be responsible for the associated legal and medical costs. It might seem really unlikely, but if it does happen, the costs could add up quickly. This part of your policy can kick in to help cover any of these costs. Personal liability also can cover you in the event of damages to neighbouring houses caused by your house or property.

Risks not usually included in home insurance in Mississauga

When you purchase a home insurance policy in Mississauga, there are specific things that will not be covered. If you break the rules of your policy, it can ultimately become void. The following three things are not covered under your standard home insurance policy:

Home Sharing

Home sharing has become a popular way to earn some extra money. For some people, it’s become their primary source of income. Apps like Airbnb and HomeAway make short term rentals easier than ever. If you decide to use these platforms to rent out your home on a short term basis, make sure you tell your insurance broker. If you fail to do so and your property is damaged, you will not be covered.

Vacant home

If your home is empty for an extended period of time, your home insurance coverage might become void. Most policies require a home not be vacant for more than a month. If you are planning on taking an extended vacation, make sure you talk to your insurance broker first.

Failing to maintain

If you neglect the maintenance of your home and allow it to fall into a state of disrepair, you may not be covered. For example, if your roof is missing shingles, and you incur water damage as a result, your insurance company might decide that you will not be covered for that incident.

Call BrokerLink now to get home insurance in Mississauga

Your home is most likely the biggest investment you will make in your life. Protect that investment by talking to a BrokerLink broker today. BrokerLink has been helping Canadian homeowners find the best insurance at competitive rates since 1991. Our brokers live in the communities we work in, which means we know what coverage makes the most sense for you. As one of the largest insurance brokerages in Canada, you can have confidence that we will be there for you when you need us.

Here’s how to reach an insurance broker in Mississauga:

FAQs on home insurance in Mississauga

Can my claims history affect how much I pay for insurance in Mississauga?

Yes, your claims history has an impact on your insurance premium. However, there are many factors insurance companies consider when determining your rate.

Can a home insurance policy cover my vintage comic book collection?

Yes! Valuables can be covered under a home insurance policy. Make sure you discuss this with an insurance broker to make sure you have the proper coverage that will protect the things that are important to you.

Do home insurance policies cover mobile homes?

Some mobile homes can be covered by a home insurance policy. It depends on the type of mobile home and whether it’s your primary residence or not. An insurance broker can take the time to understand your specific situation and advise you on a plan that fits.

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