Home Insurance in St. Thomas

It’s no surprise to us that you’ve decided to move to the historic town of St. Thomas. The “Railway Capital of Canada” has many things to offer, especially to any locomotive enthusiast. But whether you’re aiming for a more quiet and family-oriented neighbourhood, like the Armory District, the historic and inspiring Courthouse Neighbourhood, or one abounding with green space, like Orchard Park South, you’ll first need a reliable home insurance policy to help protect your home and loved ones.

St. Thomas home insurance coverage

The two main components that a house insurance policy typically covers are property and liability, although different insurance providers may offer different coverage types and add-ons. The property insurance element of your policy will help with repair costs if an insured peril damages your house or its contents. Your liabilities portion can help with the costs of legal expenses and medical fees if a visitor files a lawsuit claiming injury or personal property damage while visiting your home.

An “insured peril” is any risk or incident from which your house insurance may protect your home. Your policy may cover a variety of risks based on the degree of coverage you choose. A person’s unique situation and the area in which their home is located will have an impact on any risks they need to shield their property from. The following incidents may be covered by your home insurance, depending on the amount of protection you opt for:

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

Is home insurance mandatory in St. Thomas?

Unlike auto insurance, it is not legally compulsory for Ontario residents to have home insurance. Nevertheless, it continues to be one of the greatest methods of safeguarding your property and assets.

Yet, at the same time, most Ontarians looking for a mortgage loan will still need to buy house insurance, as many mortgage lenders require it. What’s more, you might also need to provide proof of either condo insurance or renters insurance before a landlord processes your application. So while no, home insurance (or tenant insurance) is not mandatory in St. Thomas, many prospective home buyers or tenants will still require it.

Three types of home insurance in St. Thomas

The primary categories of home insurance that the majority of Ontario home insurance companies provide are standard, broad, and comprehensive. The varieties of insured perils that each level of coverage includes vary. As a result, be certain to thoroughly examine each category to ensure you pick which is best for your home insurance needs. Remember that different insurance providers may have different policies on what each category covers:

Standard insurance

The most basic level of home insurance is standard home insurance, also routinely referred to as basic home insurance. Depending on your insurance company, the degree of protection against loss caused by things like windstorms, hail, lightning, and fire can vary. And yet, depending on where your home is located, some of these risks may or may not be covered by standard insurance. Moreover, standard insurance only covers risks that are specifically incorporated into your policy. This type of insurance is often purchased by those simply looking to fulfil their obligation to have home insurance due to their mortgage clause.

Broad insurance

Broad insurance offers protection for your home as a more tailored insurance package. Along with the risks included in standard insurance, your home will be safeguarded against additional threats like theft and vandalism. Moreover, it might include coverage for some unforeseeable events, like a burst water pipe. Like standard insurance, your broad insurance policy must also explicitly list each insured risk.

Comprehensive insurance

With comprehensive insurance, your house will be shielded from a wide range of risks and threats. Basically, unless a risk is specifically excluded from your policy, your home is presumed to be protected. Comprehensive insurance is usually chosen by homeowners because of the peace of mind it gives them.

What is included in my St. Thomas home insurance coverage?

Three coverage types are included by default in every Ontario house insurance policy: personal liability, dwelling, and contents. To better assist you in understanding what coverage you’ll receive in your policy, our experts at BrokerLink have summarized each coverage type below:

Personal liability coverage

If visitors to your St. Thomas home file complaints alleging they were injured or that their personal property was destroyed, you are protected by your liability insurance. This insurance is essential because you could be held liable if someone is hurt on your property.

The cost of paying for a lawsuit by yourself can be fairly expensive, even without taking into account possible settlement fees, medical expenses, and other connected expenses, all with the potential to leave you in significant debt. Personal liability coverage is one of the many advantages of owning home insurance.

Dwelling coverage

Dwelling safeguards the home’s structural frame. If one of the identified risks such as fire, lightning, falling objects, or wind results in damage to the home’s structure, including external walls, windows, the roof or the porch, it could assist you financially.

However, only the physical house is protected by this coverage. The land and your belongings are not included. Dwelling insurance also provides coverage for explosions, lightning, smoke, and collisions with vehicles or aircraft.

Contents coverage

Your contents insurance provides coverage for your personal belongings, including jewellery, furnishings, apparel, electronics, and more. If your possessions are destroyed or lost as a result of an insured peril, such as fire or theft, your insurance company may pay to repair or replace them.

For content coverage, there is frequently a limit set per item and overall. If you own valuable jewellery, precious artworks, or other collectibles, we advise speaking with an insurance specialist about additional insurance. You could also add individual items as floaters or riders on your policy.

Additional coverage options in St. Thomas

We are aware that not every household may be able to obtain the degree of protection they want from traditional home insurance choices. In order to improve their coverage, our customers can choose to add a variety of additional coverage types to their home insurance plans, such as add-ons, riders, and endorsements. Among our many options for endorsements, flood, windstorm, and equipment breakdown are just a few:


This endorsement, sometimes referred to as overland water, protects against issues brought on by bodies of water spilling over onto dry ground. Keep in mind that this endorsement might not be available for purchase if you reside in a flood plain.


A windstorm endorsement covers structural damage to buildings, broken windows, damaged property, and debris removal. However, water damage brought on by rain and hail that happens during or after a windstorm (such as interior water damage due to a broken window) may not be protected.

Equipment breakdown

This endorsement covers unexpected breakdowns (does not include normal wear and tear) in larger machinery, including heating and cooling systems, laundry and household appliances, security systems, and computers.

Exposing common misconceptions about home insurance

While there are many other things that are covered by home insurance that you might be aware of, you may be surprised to learn that some things you thought you knew about home insurance are incorrect. The following list, which was put together by BrokerLink’s insurance experts, aims to dispel some common myths concerning home insurance:

Myth: home insurance policies cover vehicles stored in the garage

If you believe that a vehicle parked inside someone’s garage is covered by their home insurance policy, you’re not alone. This is a very common and incorrect myth. But, despite being kept inside the garage, home insurance policies do not protect vehicles. It’s your auto insurance policy that truly provides vehicle protection. If St. Thomas residents want their vehicles to be protected while parked inside their garage, they must specifically add comprehensive to their auto insurance policy. To discover more about the key differences between home insurance and auto insurance, speak with a BrokerLink insurance broker today.

Myth: an older home is cheaper to insure

The misconception that older homes have lower house insurance rates is one of the most popular myths. The truth is that older homes that haven’t been properly maintained may wind up costing more to insure, particularly if they were constructed with subpar materials, have obsolete wiring, an outdated roof, or ineffective HVAC systems.

Myth: basic home insurance policies protect against sewer backup

Yet another common misconception is assuming that a home insurance policy automatically includes sewer backups. Homeowners in St. Thomas might be shocked to learn that their typical home insurance doesn’t cover such a disaster. However, they can add it to their policy with a sewer backup endorsement. Contact one of our home insurance experts if you’d like to add sewer backup coverage to your policy.

What your home insurance in St. Thomas may not cover

Based on the details you supply about your home, its contents, and your daily activities, your homeowner’s insurance policy is created specifically for you. Most common policies have a list of requirements you must meet to keep your coverage in place; if you don’t, your actions may impact your insurance.

Your insurer might consider the following actions to pose an elevated risk to your house. This can imply that your insurer may reject your claim or cancel your homeowner’s insurance policy:


Home renovations can significantly alter the value and risk of a home due to the added liabilities and hazards associated with adding square footage, expansions, improvements, or even swimming pools. As a result, home repair projects are often not covered by your standard insurance policy. Ergo, to be sure you have the necessary coverage, reach out to your insurance broker before you begin renovations. Also, whenever you complete home improvements, don’t forget to notify your insurance company in case your house needs further protection.


Make sure someone is keeping an eye on your house every 72 hours (every 24 in winter) if you plan to be gone for an extended period of time (30 days or more). Make sure to notify your insurance company of your temporary vacancy as well. If not, your insurance company may decline a claim for anything like a burst water pipe or a break-in that occurred while you were away. Residential property claims, such as break-ins and vandalism, are much more likely to occur in an unoccupied home. Also, in order to prevent pipes from bursting while you’re away during the winter, don’t forget to empty them.

Home sharing

If you’re planning to rent out your home, don’t forget to inform your insurance company in advance, even if you’re only leasing it out for a short time. If you fail to inform your insurance company, they may cancel your insurance coverage and deny your claim if something unfortunate happens. This is because renting increases the risk of theft, vandalism, and damage to your home. Having strangers reside in your home raises the risk of liability claims, therefore your insurance company may also request that you increase your liability limit.

General wear and tear/Negligence

Any damages that come from neglecting to maintain and repair your home may not be protected by your insurance. For instance, if you neglect to replace some missing roof shingles and your walls end up with water damage, insurance might not cover such damage. So, performing routine home maintenance is the simplest approach to protecting your home and insurance coverage. To find out how to handle your home maintenance, consider asking a friend or a family member for assistance or hiring a specialist.

In order to be sure you fully comprehend what is and isn’t protected by your insurance plan, you must carefully review the exclusions specified in the terms of your policy. Moreover, make sure to check the exclusions portion of your home insurance policy each time it is renewed for any changes.

Why work with a BrokerLink insurance broker

When researching home insurance on your own, it can quickly become confusing. With jargon like terms and conditions, deductibles, and coverage levels, how do you know what’s right for you? Here’s where BrokerLink can help. A BrokerLink insurance broker in St. Thomas can offer guidance and knowledge to assist you in selecting the appropriate insurance coverage for your unique situation.

Since 1991, the BrokerLink staff has been assisting our customers in selecting insurance policies that meet their specific needs and budgets. As St. Thomas insurance experts, we’ll find you the best insurance policy at the best price.

When buying insurance, you first must understand that no two situations are exactly alike; this includes your own. By working with one of our licensed insurance experts, they can help you find the right home insurance for first-time home buyers as well as learn what to avoid when buying home insurance.


How to save money on your St. Thomas home insurance

Our BrokerLink staff consistently aims to go above and beyond our customers’ expectations by providing dependable insurance solutions at affordable prices. To ensure you get the best prices on your insurance, we meticulously investigate all offers and discounts you might be eligible for. Learn the best ways to lower your insurance premiums in St. Thomas, Ontario, by reading the advice we’ve provided below. Our suggestions range from installing a home security system, raising your policy deductible, bundling home and auto policies, and more:

Installing a home alarm system

If you decide to install a monitored home security system, you could qualify for a discount on your insurance. How costly it may be to insure your home and its contents is a concern for any house insurance company. It’s likely that insurance companies would see your house as less of a risk to insure if you install technology that can stop intruders from stealing. Consult your insurance advisor for a list of approved security systems.

Increasing your policy deductible

Increasing your deductible is another way to reduce your insurance premiums. While acquiring their St. Thomas house insurance policy, a policyholder agrees to pay a certain sum as their deductible. Typical home insurance deductibles range from $1,000 to $2,000; however, a policyholder can opt for less. Hence, if your deductible is only $250 or $500, speak with your insurance advisor about the advantages of raising it.

Bundling your policies

Bundling multiple insurance policies can help you get a significant discount. You might receive a discount, for instance, if you move both of your auto and home insurance policies to the same provider. You can also bundle your home insurance with policies like tenant insurance, commercial property insurance, or vacation property and cottage insurance. Each bundled policy could save you up to 15%. The added benefit is that you only have to make one phone call to review your policies when the time comes.

Reviewing your coverage regularly

Regularly examining your insurance policy, especially just before its renewal period, will help you determine whether you are paying for insurance premiums that you no longer need. If you’re uncertain of what coverage options you might be able to remove from your policy, speak with any of our insurance brokers.

Consider all factors

Finding the nearest fire station or hydrant is important if you plan to move to a secluded area. The more quickly firefighters can arrive on the scene of a fire, the more quickly they can reduce the potential damage. Moreover, less damage results in a lower insurance claim. Rural residents who live near firehouses or hydrants frequently qualify for an insurance discount.

While you look for your new home, consider that residential homes with permanent pools typically have higher home insurance premiums than those without. Pools pose numerous liability risks, particularly if they are not fenced in, which drives up insurance rates. As a result, homes without a fixed pool will have lower insurance costs.

Get advice from a St. Thomas BrokerLink insurance broker

There are many discounts available to St. Thomas residents. Mature homeowners, nonsmokers, and even loyal customers may be eligible for discounts. To discover more ways to lower the cost of your home insurance, get in touch with one of BrokerLink’s insurance brokers today.

Working with a St. Thomas BrokerLink insurance broker makes it simple and manageable to find the best insurance in St. Thomas. Finding our customers affordable and reliable insurance coverage is the number one priority for our licensed insurance advisors. Every one of our insurance experts has years of expertise navigating the insurance industry and an established track record of providing exceptional customer service.


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Local Ontario Insurance Links

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

Contact us

At St. Thomas 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 in St. Thomas

How much does home insurance cost in St. Thomas?

Insurance companies have to take a number of factors into consideration when calculating home insurance premiums. As a result, each person’s insurance rate will vary considerably. Your house insurance premiums will differ depending on a variety of factors, including the neighbourhood in which you live, your history of claims, the value and size of your home, the number of occupants, and the coverage options, policy limits, and deductibles you choose.

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

You have two choices for protection, but they depend on the kind of business you plan to conduct at home. You can add a simple business use endorsement to your home insurance policy to provide coverage for a home-based business with no on-site customers and minimal risks. However, enterprises with commercial property would require the acquisition of a commercial insurance policy because of the substantially higher risk of a liability claim.

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