Home Insurance in Norfolk County

When searching for a new home in Norfolk County, you may find you have a few questions concerning your options for house insurance. Whether you're looking at real estate in the main town of Simcoe or hoping for a more breathtaking lake view of Lake Erie in Port Dover or Port Rowan, you’ll want nothing but the best possible coverage to protect the people and things you care about most.

Norfolk County home insurance coverage

The two main areas that a house insurance policy largely covers are property and liability; however, coverage can sometimes vary between insurance providers. The property insurance section of your policy will assist policyholders in paying for repairs if an insured peril causes damage to your home’s structure or its contents. Regarding the liability aspect, it covers third-party claims or lawsuits by insuring any actions or events that occur on the property that you own or rent that result in injury or property damage.

Risks or events that your homeowner’s insurance policy might cover are known as insured perils. Depending on the type of residential property insurance you choose, several types of perils might be insured by your coverage. Your unique circumstances and the region where your house is situated will have a significant impact on the risks you decide to insure your property against. Your house insurance may cover the following hazards based on the type of protection you opt for:

  • Winter Freeze
  • Tornado
  • Hail
  • Fire
  • Volcano
  • Wildfire
  • Power Outage
  • Lightning
  • Earthquake
  • Flood
  • Hurricane

Three categories of home insurance

There are three types of homeowner’s insurance that offer varying degrees of protection: standard, broad, and comprehensive. Which specific risks are or are not covered in each category is what differentiates the three from one another. However, keep in mind that exactly what each of them covers may differ between insurance providers, so make sure you read each one thoroughly:

Standard insurance

Standard insurance is the most fundamental type of house insurance. Generally, covers property damage brought on by occurrences like lightning, fire, hail, and windstorms, though that can also depend on your insurance carrier. The kinds of risks that are covered by standard homeowner's insurance could also change depending on your home’s location. Remember that your contract can only offer protection against risks specifically addressed in it.

Broad insurance

You can safeguard your home against a variety of threats with broad house insurance for a more tailored risk management option. In addition to the typical hazards covered by regular house insurance, your home is further protected against risks, including vandalism and theft. Broad coverage might also defend against unforeseen occurrences like a ruptured water line. This form of coverage also necessitates that any risks be made explicit in your agreement, so be sure to have your insurance advisor review your terms to ensure you’re aware of which risks are and aren’t included.

Comprehensive insurance

If you choose to get comprehensive house insurance, a wide range of insured risks will be covered. With comprehensive insurance, your home is assumed to be protected unless a risk is specifically excluded from the terms of your policy. Because of the assurance that their home would be covered in the event of an unexpected crisis, many homeowners opt for comprehensive insurance.

We advise reaching out to a knowledgeable insurance professional to help you comb through the various elements that should be taken into account when buying house insurance. Speaking with a licenced insurance broker in Norfolk County is one of the best ways to learn about all of your insurance choices and to help you determine which coverage is ideal for your home.

What to expect in your Norfolk County standard home insurance policy

The three conventional forms of coverage that are commonly included in Ontario home insurance plans are dwelling, contents, and personal liability. Our experts at BrokerLink have prepared summaries of each to clarify for you what you can anticipate from your Norfolk County insurance coverage:

Dwelling coverage

The actual frame of your house is protected by your dwelling coverage. Simply put, this means your insurance can financially help if one of the specified risks—such as a falling object, fire, wind, or theft—damages the home’s physical frame, such as the roof, a wall, or a door. However, this type of coverage only insures the structure itself. It does not cover the house’s possessions or the property it sits on. Dwelling coverage also includes coverage for explosions, collisions with vehicles or planes, lightning strikes, and smoke damage.

Contents coverage

Your personal items, such as furniture, jewellery, electronics, clothing, and more, are covered by contents insurance. It could help pay to replace or repair damaged personal belongings if they were lost or broken as a result of an insured risk, such as fire or theft.

Personal liability coverage

With personal liability insurance, homeowners in Norfolk County are protected from liability claims made by guests who allege injury or damaged property while visiting the homeowner’s residence. This type of insurance is essential since, as the property owner or tenant, you may be held liable if an accident occurs on your property and causes someone to get hurt or their personal property to become damaged.

Even without taking into account potential settlement fees, medical expenses, and other associated costs, paying for a lawsuit on your own could be quite expensive. Nonetheless, your homeowner’s insurance policy will assist in offsetting these expenses, thanks to the personal liability portion. Up to the amount of your coverage limit, your insurance provider would help cover costs for various expenses, such as medical bills and legal expenses.

Additional home insurance coverage options

BrokerLink is mindful that, given your specific situation, standard home insurance options may not offer the level of protection you need for your particular requirements. Fortunately, there are many alternatives you may add to your house insurance plan if you want to increase your coverage further, thanks to our assortment of add-ons, endorsements, and riders. Sewer backup, business use, and equipment breakdown are just a few of these additional coverages. Here’s what these three entail:

Sewer backup coverage

Many find the thought of a sewer backup terrifying. Should a backup occur, sewage or wastewater may accumulate and overflow from a toilet, sink, or drain, resulting in water damage to the home. Fortunately, getting a sewer backup endorsement can help homeowners pay for any damage-related repairs.

Business use coverage

If you work from home in order to generate money, whether it's your main or secondary source of income, you are using your house for commercial gain. Because of this, a regular home insurance plan would not protect a business running out of your house, no matter how little. Instead, you would need a business use endorsement to cover any loss or damage to your home’s property that was brought on by your business.

Equipment breakdown coverage

Having to repair or replace broken equipment can quickly become expensive, leading to possible financial troubles when it’s a necessary piece of equipment, like a refrigerator or hot water tank. For this reason, we encourage every homeowner to add an equipment breakdown endorsement to their policy.

What your Norfolk County home insurance may not cover

Even an insurance policy has restrictions, which are always outlined in your policy’s conditions. Home insurance is no exception. Therefore, your coverage won’t completely shield you from all potential risks. This is why it is essential for you to review the policy limitations and exclusions written in your terms and conditions. Furthermore, anytime you renew your home insurance policy, make sure you review your exclusions in case there have been any modifications to the list.

Moreover, any home insurance policy will normally exclude the following situations from coverage:


If a homeowner files an insurance claim and it’s determined that the homeowner’s negligence caused the damage, there is a very high likelihood that the insurer will deny the claim. For example, if it turns out that the water damage your submitted claim is for was caused by a hole in your roof that was never repaired after a tree fell on it during a storm, the risk that your claim would be rejected is high. Basic home maintenance and repairs should be carried out regularly or fixed right away in order to safeguard not only your home but also your insurance coverage.

Home sharing

Renting out your home may seem like an easy and quick solution to boost your income when you know you’ll be away for a while. Whether it’s only for a short period of time, like the weekend, or a lengthy period of time, like summer vacation, be sure to let your insurance company know. Your home is more susceptible to robbery, vandalism, and damage when you rent, and failing to notify your insurance provider could result in your home insurance being cancelled.


It’s possible that your residential property insurance may not include coverage for damages brought on by home remodelling, given the higher risk involved. The best course of action is to speak with your insurance advisor about the type of protection you need while renovating your home. Also, don’t forget to let your insurance company know when the renovation work is finished in case the new improvements require additional coverage.

House vacancy

Whenever a homeowner intends to leave their house for more than 30 days, they must inform their insurance provider. A vacant home could result in an increase in insurance premiums since vacant properties have a significantly higher risk of claims (burglary, vandalism).

Also, the majority of insurance providers mandate that homeowners assign someone to inspect their home once every 72 hours. If not, your insurance provider might deny a claim made for an incident that occurred while your house was unoccupied. Check out our home protection tips for preparing your vacant home before the holidays.

How to save on your Norfolk County home insurance

Here at BrokerLink, we put a lot of effort into helping our customers get trustworthy insurance at competitive rates. We also look into any potential cost-saving options that you could be eligible for to help you save even more. Take a look at the following money-saving tips to help you learn even more ways to reduce the cost of your insurance rates in Norfolk County. These tips cover a variety of topics, such as bundling home and auto policies, installing home security systems, increasing your policy deductible, and more.

Bundling house insurance with other policies

Ask about bundling your house insurance policy with any other policies you have, such as home and auto insurance, condo insurance, business insurance, or vacation property & cottage insurance. Bundling these plans can help you save up to 15% on each policy (depending on your insurer), which can drastically reduce the price of your insurance premiums.

Install a home alarm system

If you’re willing to install a monitored home security system in your house, you might be eligible for a discount on your property insurance. As the majority of insurance companies keep a list of specific security items that qualify, make sure to discuss this discount with your insurance advisor before making any purchases.

Review your coverage regularly

Another way to save is by regularly reviewing your coverage, especially before your renewal date arrives. You might find that you are paying for insurance that you no longer require. If you’re unsure, reach out to one of our licenced insurance advisors for advice on the types of coverage you can drop from your policy.

Increase your policy deductible

House insurance offers financial assistance to policyholders for a number of covered risks, but homeowners must first pay a policy deductible fee before the insurer releases the remainder of the claim. Increasing your deductible can help lower your insurance premiums. As the policyholder, you can determine your deductible amount, which is generally between $1,000 and $2,000 for home insurance.

House hunting factors to consider

While looking for a home, many people consider whether or not to purchase a house with a pool. Before you decide, you should know that because of the enormous liability concerns associated with pools, particularly when they are not fenced in, homeowners with pools typically pay higher insurance premiums than those without them. As a result, choosing a property without a fixed pool will result in lower insurance premiums.

Also, if the home you’re considering purchasing is situated in a rural area, it could be helpful to note the location of the nearest firehouse or hydrant. The presence of a fire station or hydrant nearby may be the difference between restoring a smoke-damaged home and completely losing a home. Because of this, certain homeowners may be eligible for an insurance discount when they live close to emergency services like a fire station. To learn how to be fire smart, check out these helpful fire safety tips.

Get advice from a Norfolk County BrokerLink insurance broker

There are many other discounts that residents of Norfolk County may qualify for. For instance, group members, nonsmokers, and devoted customers may all qualify for certain discounts.

Acquiring top-notch home insurance is easy when you work with a Norfolk County insurance broker. Every licensed insurance broker at BrokerLink is dedicated to helping you find the best home insurance options. Each of our insurance experts has years of experience and a proven track record of offering fantastic customer service. Contact one of BrokerLink’s insurance brokers today to learn more about how to reduce the cost of your home insurance.


Is there a difference between home insurance vs. homeowners insurance?

Given how often these terms are used interchangeably, we won’t blame you if you find “house insurance” and “homeowners insurance” confusing. Check our blog to discover the difference between home insurance vs. homeowners insurance.

Why work with a BrokerLink broker

Given the numerous insurance options available in Norfolk County, we are well aware of how challenging it can be to find the right home insurance options. Thus, we at your neighbourhood BrokerLink are ready to make the process as simple as possible for you!

We can guarantee a worry-free insurance experience thanks to our outstanding customer service, extensive insurance knowledge, and unmatched resources. Below are three reasons why we strongly suggest partnering with a BrokerLink insurance broker to assess and manage your home insurance needs properly:

Our brokers are independent of insurance companies

Our BrokerLink staff always puts our customers first. We evaluate your specific needs before giving you straightforward and honest advice about the best insurance options for your home. Our brokers review quotes from several of the top insurance companies in Ontario to offer you the finest protection at the most competitive pricing rather than focusing primarily on one particular type of insurance through one insurance company.

Our brokers help when the unthinkable happens

As insurance brokers, our job is to act as a go-between for our customers and the insurance companies. We help you with filing any insurance claims so that you can resume your regular day-to-day activities as soon as you can.

Our brokers are home insurance experts

Since 1991, the BrokerLink team has been dedicated to finding insurance policies that meet the needs and budgets of our customers. We are experts in all things Norfolk County insurance and can ensure you receive the most competitive rate on your policy.

We’re in your community

Getting involved in the community is a big part of who we are. We live and work in your community. We love meeting 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 Norfolk County 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 phone, email, or in person at any one of our locations throughout Ontario. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool, which can provide you with a free quote in minutes.

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FAQs on Norfolk County home insurance

I rent an apartment in Norfolk County. Can I still buy home insurance?

Absolutely. Anybody can purchase home insurance, including renters, homeowners, and those who lease. Since you rent, chances are good your landlord already had that you obtain tenant and renters insurance before signing a lease (which is like home insurance for tenants). It’s important to remember that a tenant’s personal belongings are not covered by the landlord’s insurance policy, which is why having personal insurance is so important.

Do I need house insurance in Norfolk County?

House insurance is still one of the best methods to protect your home, even if it is not required by law in Ontario (as opposed to auto insurance, which is). Getting homeowner’s insurance remains a common decision for many due to the financial stability it provides against a variety of dangers and the satisfaction that comes with knowing your livelihood is secured against the unexpected.

How much does home insurance cost in Norfolk County?

While determining premium rates, insurance providers are required to take a number of criteria into account. As a result, the amount that each customer will pay varies greatly. Your current community, your claim history, the worth of your home, the size of your property, the number of occupants within the home, your policy deductibles, limitations, and additional coverage options you select will all affect your final home insurance rate.

If you have any questions, contact one of our local branches.