Home Insurance in Sault Ste Marie

One of the oldest cities in North America is Sault Ste. Marie. It’s commonly referred to by locals as “the Soo” or “the Sault.” No matter where you reside -in Buckley, Bayview, Cedar Heights, Manitou Park, Steelton, Eastside, Meadow Park, or McQueen- the BrokerLink insurance specialists in Sault Ste. Marie can help you obtain the ideal house insurance coverage. Our advisors are ready to work with you to develop a unique home insurance policy that protects both your property and its contents.

How do I get home insurance in Sault Ste. Marie?

Are you ready to buy house insurance in Sault Ste. Marie? Or perhaps you’re thinking about changing your house insurance policy? Maybe you’re seeking extra coverage for your house, such as high value home insurance. Well, look no further because you’re in the right place! Home insurance is a specialty of our team of highly skilled insurance brokers at BrokerLink. Whether you need basic home insurance, rental property insurance, insurance for your secondary home, or condo insurance in Sault Ste. Marie, we are positive that we can offer you a personalized insurance solution.

Sault Ste. Marie home insurance coverage

Even though the province does not require homeowners to have Ontario home insurance, having an insurance plan is still one of the best ways to protect your home and personal belongings. Thanks to the financial protection it offers against a number of threats and the additional sense of security that comes with knowing you are protected against the unforeseen, purchasing home insurance is undoubtedly a compelling decision.

Meanwhile, some homebuyers would still nonetheless need to get homeowners insurance before they qualify for a mortgage, as mortgage lenders in Sault Ste. Marie enforce this as a requirement of their loan agreements. Additionally, before approving your rental application, landlords could insist on proof of having tenant insurance. Follow our tenant insurance guide to learn more.

Common insurance policies in Sault Ste. Marie frequently include the following:

Dwelling coverage

Since it protects the actual building that makes up your home, dwelling coverage is essential. If your house is destroyed by an insured risk, such as wind, a falling object, fire, or theft, you will be protected by your dwelling insurance coverage. It’s important to keep in mind that dwelling coverage only covers the actual structure of your home, not its contents or the property on which it is built. Other insured risks include lightning strikes, explosions, smoke damage, and car or aircraft impact.

Contents coverage

Contents coverage safeguards your home’s contents, such as your personal belongings. In the event of damage or loss, it can offer coverage for your possessions, including furniture, clothes, electronics, sporting equipment, jewellery, and other items. Basically, your insurer may reimburse you up to your policy limit for the expense of repairing or replacing the damaged items if the possessions in your house are destroyed or lost due to a covered risk, such as theft or fire. However, if you own any expensive jewellery or works of art, check in with your insurance advisor about additional coverage options, as contents coverage generally has a set limit per item.

Personal liability coverage

Homeowners in Sault Ste. Marie, who have personal liability insurance, are shielded against liability claims, particularly those from third parties who assert that they have suffered bodily harm or property damage. This kind of protection is crucial because, in the event that an incident takes place on your property—say, a visitor gets hurt—you, the property owner, could be held accountable.

It might be challenging to pay for a lawsuit on your own, let alone possible settlement fees, medical costs, and repair costs. However, since your Sault Ste. Marie home insurance plan includes personal liability insurance, you likely wouldn’t be responsible for covering these expenses on your own. Instead, your insurance company would assist in paying for a variety of expenses, including medical and legal costs.

Extra home insurance coverage for your policy

Although standard home insurance can shield your house from many unforeseen disasters, it might not always provide the amount of security you want. For homeowners who require more extensive coverage alternatives, BrokerLink provides a variety of add-ons, riders, and endorsements that can be included in Sault Ste. Marie home insurance plans, in addition to the above-mentioned basic coverage. Business coverage, sewer backup coverage, and equipment breakdown coverage are a few examples of additional insurance:

Commercial business coverage

If you’re a business owner who works out of their home, you might want to add commercial business insurance. If a loss or damage arises inside your home as a result of your business operations, commercial business coverage provides you with financial protection. Your personal home insurance policy most likely would not cover you for any losses involving commercial use if you do not have this additional coverage.

Sewer backup coverage

When sewage or wastewater backs up and exits through a toilet or sink, it is known as a sewer backup. Your home may suffer water damage as a result, should this occur. For many homeowners in Sault Ste. Marie, a sewer backup represents the worst-case scenario. Fortunately, sewer backup insurance is available to help guard you against this horrible scenario.

Equipment breakdown coverage

We all know that fixing or replacing damaged household appliances can be costly. A piece of equipment malfunctioning can have significant financial repercussions, whether it be a kitchen appliance like a microwave or a refrigerator or an HVAC device like an air conditioner or furnace. For many Sault Ste. Marie homeowners, equipment breakdown insurance is quite valuable. If a piece of equipment in your home unexpectedly fails, you will be financially covered with the help of an equipment breakdown coverage endorsement.

What your Sault Ste. Marie home insurance may not cover

Although Sault Ste. Marie home insurance policies offer fairly extensive coverage, you cannot count on your policy to protect you in every situation. Even homeowners insurance has limitations, which are explained in your contract’s terms and conditions. Prior to or after purchasing your policy, you can also consult with an insurance broker or agent to go over the exclusions of your coverage. It’s crucial to understand what is and isn’t protected by your plan any time you buy a new homeowner’s insurance policy. Below is a list of situations that house insurance typically does not cover:

Failure to maintain/house neglect

Maintaining your house year-round will help you keep your home insurance coverage in order. In some cases, an insurer may deny your claim if they believe that you neglected to maintain your home, which contributed to the loss or damage you are trying to claim. For instance, if you ignored a broken window that allowed water to seep in over time, leading to severe water damage and rot inside your wall. Your insurance company may deny your claim, as this was not caused by the sudden and accidental incident of water seepage. Consider employing a professional company to maintain your property if you lack the time or expertise to do it yourself.

A vacant home

You must contact your insurance company right away if your home will be vacant for more than 30 days in a row. Having your residence sitting empty could potentially result in an insurance premium increase. As a result, if you frequently take long trips throughout the year, be sure to inform your insurance broker before you travel.

Don’t forget to leave contact information for whomever you have checking on your house with your broker as well, as the majority of insurance companies insist that you have a person checking in on your home at least once every three days. If you decide not to ask anyone to keep an eye on your house while you’re away, your insurer can reject a claim if you suffer a loss or damage to it.

Home sharing

House sharing has gained enormous popularity (think Airbnb and VBRO). In order to rent out their homes and earn extra money each month, many homeowners began remodelling their homes. Just remember to let your insurance agent know that you are renting your home out, even temporarily, because failing to do so could lead to the termination of your homeowner’s insurance. You should also advise of any renovations whether it be home updates or complete remodel of your home, as this can change the value of your home.


Many Sault Ste. Marie homeowners are unaware that they may not be protected by their homeowner's insurance in the event that damage results during a renovation project. This is because updating your home involves risk. If your house is undergoing renovations, speak with an insurance broker in Sault Ste. Marie to find out what type of coverage you require. Don’t forget to notify your insurance provider after your renovations are finished to ensure you still have appropriate coverage.

Here’s how you can save money on your home insurance in Sault Ste. Marie

At BrokerLink, we're dedicated to assisting homeowners in locating reputable insurance coverage at competitive rates. Given how much you value it, we are committed to exploring every avenue for saving you money. Check out our strategies to reduce the cost of your house insurance coverage in Sault Ste. Marie, including bundling home and auto policies and what to look for when buying your home:

1. Bundle home insurance with other policies

Significant insurance discounts can be obtained by purchasing multiple insurance policies, such as a homeowner's insurance and a seasonal property insurance policy, or two or more different insurance policies such as home insurance and auto insurance. Although discounts differ between providers, buying several insurance plans at once can reduce the cost of each policy by up to 15%.

2. Add a monitored alarm system

Your house insurance premium might be lowered if you install a monitored home alarm system on your property with a security system discount. But before rushing out and purchasing a new alarm system, make sure to find out more about the terms of this discount. Insurance companies typically have a specified list of security systems that qualify. You will also be required to show proof of installation of the system to your insurance company.

3. Increase your policy deductible

You still have duties as the policyholder even while insurance safeguards you in the event of a loss. You must contribute toward an insurable loss before the insurance company gets involved. This is known as your insurance deductible. The amount of your deductible is up to you; typically, a house insurance deductible ranges from $1,000 to $2,000. You can raise your deductible if your insurance company will allow it, however you must be able to pay your deductible in the event of a loss.

4. Consider all factors in your home purchase

Pools pose significant liability concerns, which is why homeowners who have pools typically pay more insurance. If having a pool is not a deal breaker for you, find a home without a pool on the property to avoid paying the extra price that goes with one.

Another consideration is if the house is adjacent to a fire hydrant or a fire station. You might qualify for a house insurance discount if it is. In metropolitan areas, proximity is less important, but if your home is in a rural area, it can mean the difference between minor and major fire damage if it ever catches fire.

5. Inquire about other home insurance discounts

You might be pleasantly surprised to discover that homeowners in Sault Ste. Marie can take advantage of a variety of insurance savings. For instance, certain companies or institutions provide their employees or students with reduced house insurance rates. Some discounts may also apply to non-smokers or devoted, long-term customers.

6. Get advice from a BrokerLink Sault Ste. Marie insurance broker

You can learn about all the possible house insurance savings by speaking with one of our trusted insurance advisors here at BrokerLink. Having a broker for home insurance coverage helps you find homeowner's insurance in Sault Ste. Marie quick and easy without wasting your time or money. Every broker on the BrokerLink team is licensed, vetted, and committed to finding the best coverage for our customers.

In order to find a Sault Ste. Marie house insurance plan that meets your specific requirements, we take the time to get to know you and your needs. Additionally, we perform the legwork on your behalf, streamlining the house insurance purchasing process. The specialists at BrokerLink are exactly who you need if you want an insurance expert at your disposal who will compare prices and find savings on your behalf!


Is home insurance in Sault Ste. Marie mandatory?

Homeowners in Ontario are not mandated to have insurance. However, many homeowners still find that they require house insurance for other factors. For instance, it is routinely stipulated in loan agreements by mortgage lenders. Homeowners who want to get a mortgage, therefore, have a good possibility of first needing home insurance.. Additionally, landlords are permitted to include a clause requiring Sault Ste. Marie tenant insurance in their rental contracts.

Here’s why you should work with an insurance broker

We realize that searching for house insurance in Sault Ste. Marie can be challenging, given the plethora of choices available. However, BrokerLink is prepared to make it simple. Because of our exceptional customer service, in-depth insurance knowledge, and unrivalled resources, we provide our customers with a stress-free insurance experience. Here are some reasons you should consider utilizing a Sault Ste. Marie insurance broker for all of your insurance requirements:

We are independent of insurance companies

Insurance brokers are not affiliated with insurance companies. This enables our BrokerLink insurance advisors to put the requirements of our customers first consistently. We carefully consider your personal needs and provide honest, straightforward advice on the best kind of security for your house. Instead of pushing one particular form of insurance, we can examine quotes from several insurance providers to find you the best quote at the best price.

We can help you when the unthinkable happens

We serve as a go-between for customers and insurance providers in our role as brokers. BrokerLink is ready to help if you need guidance with making a claim. We can make sure that you're able to get back to your regular life as soon as possible after filing a claim.

We are home insurance experts

Finally, we are experts in all things home insurance. The BrokerLink staff has been working tirelessly since 1991 to help customers find the insurance coverage that satisfies their demands and financial considerations. We can guarantee that you'll get the best deal on your coverage.

Local Ontario Insurance Links

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

We’re in your community

Getting involved in the community is a big part of who we are. We live and work alongside you in our community, and we love to meet our neighbours!

Contact us

For all of your insurance requirements, Sault Ste. Marie BrokerLink is here to help. Let us help you get the best insurance plan for your home, car, business, recreational equipment, and even your pets.

One of our insurance brokers will be pleased to assist you with your insurance needs. You can contact us by phone, email, or stop by one of our many offices in Ontario. We also recommend you use our totally free online quote creator! It can provide you with a free estimate on house insurance in just a few minutes.

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