Home insurance in St. Catharines

With the Niagara escarpment running directly through it, the city of St. Catharines is known for its beautiful landscape, lush greenery, picturesque parks, and extensive hiking trails throughout the city. With so much natural beauty, it’s no wonder many people choose to make St. Catharines their home.

How can I get home insurance in St. Catharines?

It’s important for all homeowners to have a home insurance policy that protects them in case disaster strikes. Our insurance experts at BrokerLink are available to help you figure out your specific coverage needs. We are a full-service insurance brokerage specializing in Ontario home insurance and can answer any questions you may have.

If you’re shopping around for standard homeowner’s insurance, tenant’s insurance or another type of coverage, we are here to help. From the risks of homeownership to how you can save money on your home insurance policy, keep reading to learn all there is to know.

Whether you decide on a home in Fitzgerald, Louth, Glenridge, Riverview or the converted Port Dalhousie neighbourhoods to live in, you are going to need home insurance to protect your home in case of an unforeseen event that results in loss or significant damage.

St. Catharines basic home insurance coverage

While having home insurance is not required by the government of Ontario, one of the best ways to protect your home and your personal belongings is by insuring it. Many homeowners find it to be a worthwhile investment because it gives them not only financial protection against a wide range of risks but also peace of mind knowing they are protected against the unexpected.

On the other hand, some banks and lenders require home insurance as part of their mortgage agreements. Therefore, one may need to purchase home insurance in order to apply for a mortgage. This also goes for landlords; they may require you to have tenant insurance before approving your rental application.

While property insurance coverage varies by policy, standard home insurance policies in St. Catharines typically include the following:

1. Dwelling coverage

Your St. Catharines home’s physical structure is protected by dwelling coverage. Your home insurance policy’s dwelling coverage may protect you if an insured risk damages your property. Typical risks covered by dwelling insurance include:

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

2. Contents coverage

Your home's possessions are insured by the contents insurance. Contents insurance may provide coverage in the case of damage or loss for a variety of items, including electronics,jewellery, sports equipment, and clothing.

3. Personal liability coverage

Personal liability coverage can come in handy if a third party injures themselves while on your property. In such an instance, you could be held liable and be responsible for paying all sorts of expenses, including legal and medical fees. But with home insurance, the personal liability portion of your policy might help cover these fees. It may also cover you if your home or property causes damage to a neighbouring home.

Additional home insurance coverage in St. Catharines

If you own a house in St. Catharines, basic homeowners insurance insures you for the necessities. However, you could have more specific needs. But don’t stress—the majority of insurance providers in Ontario offer optional coverage solutions. Sewer backup, equipment failure, and business operations might be covered by these endorsements or add-ons. Here’s how they can help:

1. Business coverage

You must acquire a business insurance add-on if you operate your own business out of your St. Catharines residence. In fact, given that the majority of Ontario’s basic house insurance plans don’t cover losses or damages brought on by commercial operations, it might even be necessary. Therefore, unless you supplement your coverage with extra business insurance, it might not cover an occurrence that was brought on by your home business.

2. Equipment breakdown coverage

Equipment breakdown coverage is another optional coverage solution that many insurers offer. If a piece of equipment in your home breaks down unexpectedly or suddenly, it can be valuable. This type of insurance may provide coverage for items like your washer and dryer, home security systems, HVAC systems (air conditioner, furnace, heat pump, etc.), and kitchen appliances. This additional protection, though not typically offered with standard home insurance policies in St. Catharines, may be beneficial, particularly when you think about how much it could cost to replace or fix malfunctioning home appliances.

3. Sewer backup coverage

St. Catharines house owners might want to consider upgrading their homeowner policy to include sewer backup insurance. The expense of restoring damage to your house brought on by a sewer backup may be partially covered by adding this optional coverage to your insurance policy.

Please note that the extra insurance coverages indicated above are usually added as riders or endorsements to current property insurance policies.

What your St. Catharines home insurance may not cover

While many home insurance policies feature dwelling coverage, contents coverage, and personal liability coverage, there are several situations in that your property insurance policy will not cover or even become void. That’s why it is just as it’s important to understand what is not covered by your home insurance policy and what situations might render your coverage invalid. As such, it is important you speak with your insurance company to ensure you thoroughly understand what is and isn’t included in your insurance policy.

We’ve provided a general list below to assist residents of St. Catharines in better understanding what their property insurance policy might not cover:

Home sharing

Homeowners in St. Catharines are increasingly renting out their properties for brief periods in order to earn additional income. Home-sharing is another name for this idea, which became well-known thanks to websites like Airbnb and VRBO. While house sharing might generate monthly income, if you neglect to inform your insurance company, they could cancel your homeowner’s insurance coverage.

Vacant home

It’s necessary to notify your insurance company if your property is unoccupied for prolonged periods of time (more than one month), as this could affect your rates. Contact your insurance broker to discuss vacant home insurance plans before you go away, such as down south during the winter. Otherwise, your current house insurance company might not compensate you if damage or a loss happens while you’re abroad.

Failing to maintain

If you disregard basic home maintenance and allow your house to degrade into shambles, it may void your homeowners insurance policy. For instance, your insurance provider can decline to cover water damage due to broken windows or pipes.


Your home insurance policy might not compensate you if a remodel results in property damage. We encourage informing your insurance broker in St. Catharines as quickly as possible if your home is undergoing renovations because the modifications may have an impact on the cost of your home insurance.

How to save money on your St. Catharines homeowner insurance

BrokerLink is committed to helping St. Catharines homeowners find affordable, comprehensive insurance. Beyond shopping around on your behalf and comparing quotes to ensure you get the lowest possible rate, the experts at BrokerLink are happy to share their best money-saving tips. Avoid overspending on home insurance by following the tips below:

1. Install a security system in your St. Catharines home

Installing a home security system in your house is one way to lower the cost of your property insurance. Many insurance companies offer discounts to homeowners who install particular security systems in their homes due to the additional level of security they provide. Speak with an insurance broker at BrokerLink to find out more about the kinds of security systems that may qualify for a home insurance discount in St. Catharines.

2. Bundle multiple insurance policies and save

Consider buying your insurance from the same insurance provider if you are looking around for different types (such as auto insurance, home insurance, business insurance, and recreational vehicles insurance). You may just save up to 15% on each insurance policy if you buy several from the same company. Therefore, if you require other insurance in addition to property insurance (such as home and auto insurance) or if you require two home insurance policies (such as condo unit insurance for a secondary home), think about bundling your policies together so that you can save.

3. Increase your policy deductible

Another simple tip for reducing the cost of your house insurance is to raise the deductible for your homeowners insurance. Every type of insurance can benefit from this advice. A bigger deductible frequently results in a reduced rate. Having said that, it's essential to understand just what deductibles are and the implications of raising it before going ahead. 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.

4. Regular home maintenance

Basic home maintenance can help house owners save on unexpected costs and increase the useful life of their appliances. While the proper insurance can assist in covering the costs of unforeseen surprises, like a leaky roof, regular house upkeep can help minimize these surprises over time. Learn more about the benefits of regular home maintenance.

5. Pay your premiums annually instead of monthly

Making a single annual payment as opposed to twelve monthly installments is another fast and simple approach for St. Catharines residents to save money on their home insurance. This is so that they can collect administrative fees for each payment you make, as many insurance companies do. Therefore, you'll frequently save money by paying off your insurance in one payment rather than twelve payments. Ask about the costs involved with each option if your insurance provider gives you the choice between paying your insurance policy annually or monthly.

6. Avoid purchasing a house with a pool

Some may well be stunned to discover that you can save on home insurance by deciding not to buy a house with a pool. Particularly for unfenced pools, swimming pools pose a serious liability risk. If your house has one, your insurance premium will probably go up. Please note that we are not advocating against having a pool. It’s simply something to consider when searching for a house in St. Catharines.

7. Buy a house near a fire hydrant or fire station

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

8. Consult with a BrokerLink insurance advisor

Furthermore, we suggest consulting a BrokerLink insurance professional if you want to lower the cost of your property insurance further. Each insurance advisor on the BrokerLink team is licenced, and every one of them is dedicated to locating the best available insurance for our customers. In order to help you find house insurance coverage that fulfills your unique requirements, we'll take the time to thoroughly understand them. Plus, with all of the work we do for you, shopping for homeowners insurance is now easier than ever before. Look no further than BrokerLink if you want an insurance professional at your disposal to compare quotes and look for savings on your behalf.


Is home insurance mandatory in St. Catharines?

The Government of Ontario does not require homeowners to have home insurance. Therefore, it is not mandatory in St. Catharines. However, mortgage lenders are allowed to make home insurance a condition of their mortgage loans, and most do because of the added security it offers. For this reason, many St. Catharines homeowners need to purchase a home insurance policy if they wish to apply for a mortgage to buy a home. Moreover, landlords in St. Catharines can make tenant insurance a condition of their rental lease. Get in touch with BrokerLink if you want to learn more about home insurance requirements in St. Catharines.

Popular house insurance myths explained

The insurance professionals at BrokerLink have compiled the following list to help dispel some prevalent misconceptions about home insurance:

Myth: an older home is cheaper to insure

One of the most frequent myths states that older properties have lower home insurance rates. The reality is that if older houses have not been maintained, insurance may end up being more expensive, such as if they were built with inferior building materials, have an outdated roof, outdated wiring, or inefficient HVAC systems.

Myth: home insurance policies cover vehicles stored in the garage

Some homeowners may believe that their insurance policies cover any vehicles kept in the garage at home. But even though they are stored in your garage, they are not covered by home insurance plans. Vehicle protection is actually provided by your auto insurance policy. Residents of St. Catharines who want their cars to be insured while stored in their garage must specifically include comprehensive coverage to their auto insurance policies. Speak with a licensed insurance broker at BrokerLink to learn more about the main distinctions between house insurance and auto insurance.

Myth: basic home insurance policies protect against sewer backup

Another frequent myth is the assumption that sewer backups are always included in a homeowner's insurance plan. Sewage backup coverage can guard against a scenario in which sewage from the home's sanitary system backs up into your residence via the pipes or toilets.

St. Catharines homeowners may be surprised to discover that their standard home insurance provides no coverage for such a dreadful incident. Instead, it is an additional type of coverage which can be added as a rider to a home insurance policy. If you'd like sewer backup coverage added to your policy, get in touch with one of our insurance professionals.

Three benefits of working with insurance brokers at St. Catharines BrokerLink

We understand that looking for home insurance coverage in St. Catharines might be daunting given the variety of choices available. However, we at BrokerLink are here and ready to make it easy. Because of our outstanding customer service, in-depth knowledge of insurance, and unrivalled resources, we offer a hassle-free insurance experience. Uncover the following three advantages of dealing with a BrokerLink insurance advisor:

1. Brokers work independently of insurance providers

The first benefit is that insurance brokers are independent of insurance companies. For this reason, BrokerLink is able to always put the needs of its customers first. Before giving you honest and reliable advice on the best coverage for your home, we'll make sure to take the time to understand your specific needs.

2. Brokers do the work for you

If looking for home insurance coverage after a long day is the last thing you wish to do, we propose working with a broker. Your insurance advisor can take care of the work for you thanks to working at brokerage like BrokerLink. Once they know what kind of coverage you're searching for, they shop around for you by reaching out to some of Canada's best insurance firms and obtaining quotes. They compare the rates, find discounts for you, and then provide you premium insurance options that are within your budget.

3. Brokers are home insurance experts

Another benefit of working with BrokerLink's insurance brokers is that they are experts in all things home insurance. As BrokerLink has been around since 1991, we have knowledge of every aspect of the home insurance industry. Using our contacts and expertise, we will find you an insurance plan that is reasonably priced and provides outstanding coverage.

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St. Catharines home insurance is just a click away

We at St. Catharines BrokerLink are ready to help you with your insurance needs. Whether you need to find the ideal coverage for your home, business, leisure equipment, automobile, or pets, we want to help.

We have over 200 locations across Ontario where you can visit us in person, or you can reach us by phone or email. Whichever Any way you decide to contact us, one of our incredibly knowledgeable BrokerLink insurance brokers will be more than pleased to help. We also recommend you try our free online quote tool, which can give you a competitive estimate in a matter of minutes.

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FAQs on home insurance coverage in St. Catharines

How much does home insurance cost in St. Catharines?

When determining premiums, insurance providers must take into account a variety of variables. Therefore, the amount that each person pays varies greatly as a result. The cost of your homeowners insurance will vary depending on a number of variables, such as the community in which you reside, your past claims history, how much your home is worth, the size of it, and the number of occupants in your home, as well as the coverage options you select, your policy limits, and your deductibles.

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

It is dependent on the specific features of your house, as well as your preferences and level of risk. First time home buyers in St. Catharines are able to choose whichever insurance products and coverage levels they desire since Ontario does not require homeowners to have home insurance. However, it is recommended that each homeowner obtain a home insurance policy that, at the very least, offers a basic level of home insurance protection.

For more FAQs, visit the BrokerLink FAQs page.