Home Insurance in Pickering

Are you thinking of moving to Pickering, Ontario? Between the picturesque shoreline of Lake Ontario, its charming area hamlets, and the town’s natural beauty, it’s no wonder you’re eager to move. Plus, as part of the greater Toronto area, it’s only a short drive from Metropolitan Toronto. Whether you’re looking at living in the neighbourhoods of Highbush, Woodlands, Amberlea, Liverpool, or Rosebank, your local BrokerLink full-service brokerage is here to help you with all your insurance coverage needs.

Pickering home insurance coverage

Property and liability are the primary elements that a home insurance plan traditionally covers; however, coverage options can vary between insurance companies. If your home or its contents are damaged by an insured peril, the property portion of your insurance will assist with repair costs. If a third-party guest files a lawsuit alleging they were hurt or their personal property was ruined while visiting a place you rent or own, your liability portion may assist with the expenses of legal fees and medical bills.

The term “insured peril” refers to any risks or situations that your homeowner’s insurance may shield your property from. Depending on the level of coverage you select, your policy can cover a wide range of perils. Whatever hazards you need to protect your property from will be impacted by both your unique situation and the neighbourhood around your home. Depending on the level of coverage you choose to purchase, the events listed below may be insured by your house insurance:

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

Three categories of home insurance in Pickering

The primary categories of home insurance that insurers provide are standard, broad, and comprehensive. The three categories of insurance differ from one another based on the specific perils that each one does or does not cover. What each one might cover, however, can also vary between insurance companies, so be mindful to carefully examine each category to help you choose which one is best for your insurance needs:

Standard insurance

The most rudimentary form of home insurance is standard home insurance, sometimes also called basic home insurance. The extent to which it protects the home from harm caused by events, including lightning, hail, fire, and windstorms, may vary based on your insurance provider. And yet, depending on where your home is located, standard home insurance may or may not include certain risks. Please be advised that only hazards that are explicitly stated in your terms and conditions are covered.

Broad insurance

Broad insurance can protect your property against a wider range of dangers and offer a more customized insurance plan. On top of the risks covered by standard insurance, your house will be safeguarded against hazards like theft and vandalism. It may also include coverage for certain unexpected events, such as a burst water pipe. Your broad insurance contract must also clearly state each insured risk, just like with standard insurance.

Comprehensive insurance

Your home will be covered by a wide range of threats if you decide to purchase comprehensive insurance. Unless a peril is specifically excluded from your contract, your home is regarded as covered by this coverage level. Comprehensive insurance is a popular choice because homeowners rest easy knowing that their way of life is insured from unanticipated tragedies.

To help you navigate the entire process of purchasing house insurance, we advise consulting with an experienced insurance specialist. One of the most effective methods of learning about your coverage options and receiving help with choosing the right coverage level for your house is to reach out to a licensed insurance broker in Pickering.


What is included in my Pickering home insurance coverage?

Every Ontario home insurance policy has three categories of coverage by default: dwelling, personal liability, and contents. Our specialists at BrokerLink have written detailed descriptions of each coverage option to help you better understand what to expect from your policy:

Dwelling coverage

The dwelling coverage provided by your home insurance covers the actual structure of your home. If a stated risk, such as a fire, wind, falling object, or theft, results in damage to the home’s frame such as the roof, external wall, window, or porch, it may be able to assist you financially.

This coverage only insures the frame of the house. It excludes the home’s contents and the land. Dwelling insurance also covers occurrences like smoke damage, lightning, explosions, and collision damage from a car or an airplane.

Personal liability coverage

Pickering homeowners are protected with liability insurance from complaints by visitors who allege they were injured or had their belongings destroyed while at your home. This coverage is essential because, as the owner or tenant, you could be held liable if someone gets injured or their belongings are damaged while visiting.

The expense of paying for a lawsuit by yourself can be fairly big, even without taking into account possible settlement fees, medical costs, and other connected expenses, which all have the capacity to rapidly place you in extreme debt. Herein lies only one of the many advantages of home insurance. Up to the limit of your coverage, the personal liability insurance that comes with home insurance can help pay for these costs, including legal and medical expenses.

Contents coverage

Your contents insurance provides coverage for your personal belongings, including jewellery, furniture, clothing, electronics, and more. If your possessions are lost or stolen as a consequence of a covered risk like a fire or theft, your insurance company could help replace or repair them.

For contents coverage, there is generally both an overall cap and a limit maximum per item. If you are the owner of pricey jewellery, valuable paintings, or other collectibles, we advise discussing additional coverage with your insurance broker. If you only have a few high-value items, you could add them as floaters or riders on your insurance instead.

Additional coverage options in Pickering

BrokerLink is well aware that traditional home insurance solutions might not be able to offer every household the degree of safety they require. Due to our selection of riders, add-ons, and endorsements, our customers have numerous options to add to their home insurance policies should they want to improve their coverage. Business use, equipment breakdown, and sewer backup are just a few of the additional insurance options we have available:

Business use

Homeowners require supplementary insurance if they use their house for business purposes, such as using a room for an office to work from home or a basement as a workshop. No matter how small a business, it would not be insured by a regular home insurance policy.

However, if you are only using a small portion of your home for your business, ask your insurance broker about whether adding a business use endorsement onto your property insurance would provide enough coverage instead of having to purchase a separate business insurance policy.

Equipment breakdown

Having to replace or fix broken equipment or appliances can quickly become expensive, especially when it pertains to a crucial piece of equipment like a hot water tank or refrigerator. In light of this, we urge every homeowner to add the endorsement for equipment breakdown to their house insurance policy.

Sewer backup

Sewage or wastewater may accumulate and overflow from a sink, drain, or toilet in the event of a backup. The best-case scenario is that you have a bit of little mopping to do. But, in the worst-case scenario, that backup led to significant water damage in your home. Fortunately, when you include sewer backup coverage, your insurance can help you pay for any damage-related repairs and cleanup.

What your Pickering home insurance may not cover

Limitations are always outlined in the terms of any contract, including insurance policies. The same applies to homeowners insurance. Your insurance won’t cover all potential risks, so to understand what is and isn’t covered, you need to carefully read the exclusions specified in your terms and conditions. Also, any time you renew your home insurance policy, always check your exclusions list to see whether it has changed.

Meanwhile, the following scenarios are routinely not insured by any kind of home insurance:


There is a very significant likelihood that the insurance provider will reject a claim if the homeowner’s carelessness is what caused the damage. For instance, if an insurer inspects your house after you file an insurance claim and finds that the damage could’ve been remedied by regularly performing general home maintenance, it’s likely the claim will be denied. Hence, keeping up with routine home maintenance and repairs is the simplest method to protect both your property and your coverage. If you don’t have the skills or knowledge to maintain your property, you could ask a friend or family member to help you learn how or hire a professional.

As frozen water pipes and ice damage are common wintertime insurance claims, here are some basic maintenance tips on how to prepare your cabin or cottage (or home) for winter.

Home sharing

Renting out your property may seem like a great way to make some additional money when you know you’ll be away for a while. Just make sure to notify your insurance provider ahead of time, even if it’s just for a short while. When you rent, your home is more vulnerable to theft, vandalism, and damage; if you neglect to tell your insurance company, they may cancel your insurance coverage and deny your claim should something arise.


Home upgrades are frequently excluded from your normal property insurance because of the added liabilities and risks. Ergo, before you begin renovating any portions of your house, make sure to examine your home insurance with an insurance broker, as you may need to add temporary renovations insurance. In the event that your home will require additional coverage, don’t forget to inform your insurer when the upgrades are complete.


Homeowners must notify their insurance company whenever they plan to vacate their home for longer than 30 days, as there is a much higher risk of claims associated with empty homes. Furthermore, many insurance companies require homeowners to designate someone to monitor their house every 72 hours for break-ins and damage (and every 24 hours during the winter). Otherwise, your insurer may reject a claim for an incident that took place while your home was empty and unattended, such as a burst pipe or a robbery. If you are someone who travels often, either for work or fun, check out our list of the pros and cons of burglar alarm systems.

How you can save on your Pickering home insurance policy

At BrokerLink, we work diligently to exceed our customers’ expectations by providing them with solid insurance options at competitive prices. To ensure you save even more money, we also thoroughly investigate any offers or discounts that you might be eligible to use! Discover more on how to lower your insurance prices in Pickering, Ontario, by reading the tips we’ve provided below. These suggestions cover a range of subjects, including bundling home and auto policies, installing a home security system, reviewing your coverage often, and more:

Bundling your policies

If you carry insurance with multiple insurance providers, consider moving them all to one company. Then, you can ask about bundling your house insurance with each additional policy you may have, such as car insurance, condo insurance, commercial property insurance, or vacation home and cottage insurance. By combining these policies, you might save up to 15% on each type of coverage depending on the insurance company.

Installing a home security system

Installing a monitored home security system could qualify you for a reduction in your insurance. Speak to your insurance advisor to first explore this discount option since the majority of insurance providers keep a list of particular alarm systems that qualify.

Reviewing your coverage regularly

By regularly checking your insurance policy, especially just before its renewal period, you can quickly determine whether you are paying for insurance that you no longer need. If you are uncertain of what coverage options you can remove from your policy, speak to one of our insurance industry experts today.

Increasing your policy deductible

Insurance provides homeowners with financial support for a range of covered risks, but policyholders are in charge of paying their policy deductible before the insurer settles the rest of the claim. How high of a deductible you want, which typically ranges from $1,000 to $2,000 for home insurance, is up to you. If your deductible is low, increasing it can lower the cost of your insurance rates.

Consider all factors

It’s a good idea to find out where the closest fire station or water source is if you plan to move to a rural area. The closer they are, the faster they can respond to a fire and hopefully lessen the damage it can cause. As a result, rural residents who live near firehouses or hydrants often qualify for an insurance discount.

Another factor to consider when shopping for your forever home: Residential properties with permanent pools generally have higher home insurance premiums than those without. Pools pose significant liability risks, particularly if they aren’t fenced in, which drives up insurance rates. So, homes without a permanent pool will come with lower insurance rates.

Get advice from a Pickering BrokerLink insurance broker

There are many different types of discounts available for Pickering residents. For instance nonsmokers, group members, and even devoted customers could be eligible for discounts. To find out more ways to lower the cost of your house insurance, get in touch with one of BrokerLink’s insurance brokers today.

When working with an insurance broker, obtaining the finest insurance in Pickering is not only possible but easy. Each of BrokerLink’s certified insurance brokers strives to provide our customers with the most beneficial and reliable insurance policy available. Every one of our insurance professionals has years of expertise and a history of providing excellent customer service behind them.


Why work with a BrokerLink broker

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 Pickering insurance and can ensure you receive the most competitive rate on your policy.

We’re in your community

BrokerLink employees are dedicated to helping those in our community, because we live here too!

Local Ontario Insurance Links

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

Contact us

At Pickering 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 that can provide you with competitive home insurance quotes in minutes.

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FAQs on home insurance Pickering

Is home insurance in Pickering mandatory?

Even though there is no legislation requiring home insurance for residents of Ontario, it continues to remain the greatest way to safeguard your house and other valuables.

However, many Ontario home buyers purchase homeowners insurance anyway when they want to apply for a mortgage loan. The majority of mortgage lenders necessitate purchasing homeowner’s insurance before they even qualify for a loan, much less be approved.

Furthermore, when searching for a place to rent, you may need renter insurance before a landlord approves your rental application. Renter’s insurance not only protects the landlord, but it also protects you.

What factors do insurance providers consider when calculating home insurance rates in Pickering, Ontario?

While determining insurance rates, insurance companies in Pickering and the entire province of Ontario need to take into account a wide range of variables. For some homeowners in Pickering, knowing which factors are important and how they could affect your rates can be helpful. The following list includes several key factors that are considered when calculating your home insurance rates:

  • Your claims history.
  • The age of your home.
  • The size of your home.
  • Your home’s location.
  • The quality of your home’s construction.
  • The coverage types, your deductibles, and what limits you choose.
  • Your home’s proximity to a firehouse, fire hydrant, or other emergency services.
  • The condition of your home’s heating, plumbing, and electrical systems.
  • The age of your roof.

Am I covered if I operate my business out of my home?

You have two alternatives for coverage, according to the sort of home-based business you are running. To provide security for home-based enterprises with low risks and no clients that come to the location, you can add a business use extension to your existing home insurance policy. However, a commercial insurance policy would be necessary for larger enterprises with commercial property where there is a greater risk of a liability claim.

Does my home insurance cover me if someone slips on my front sidewalk?

Yes. If an event of liability occurs on or near your property, your homeowner’s insurance will protect you, subject to local regulations. By carefully clearing the snow and ice from your property, you can decrease your chances of a slip and fall.

I rent a condo in Pickering. Can I still buy home insurance?

Absolutely. Homeowners, tenants, and renters are all eligible to buy home insurance. Since you are renting, it is likely that the landlord has already requested that you obtain tenant and renters insurance, which serves as a tenant’s equivalence to home insurance.

If you are curious why it was required, it is because a landlord’s insurance policy only covers the condo unit or building they own, not the tenant’s belongings. As a result, if something were to happen to your rental unit, their insurance would only apply to the damage to the property itself. It would be up to you to pay for any loss or damage to your personal property. You would also be able to take advantage of additional living expenses if you happened to be forced out of your condo or apartment, your tenants insurance would kick in so that you would not be left out in the cold.

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