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What our users say:

Excellent
Based on 336 reviews
August 31
very quick and reliable rates
very quick and reliable rates
Tracie N
August 15
Don’t hesitate to move your policy
My rates went up again with my current insurance even though I have barely drive...
IGADS
August 12
I can’t believe how quickly I am…
I can’t believe how quickly I am getting email responses. Very happy with this...
Carol
July 25
Awesome 👍😎
Awesome 👍😎
Joshua Leong
July 15
Auto Insurance
I was looking for an insurance rate that would help me save money, I did a Googl...
Louise Beaton
July 1
excellent service
excellent service
An Luu
June 22
Highly recommended
Excellent customer service. Was very patient and answer my customers toughly. Fo...
Karan Parmar
June 18
Chelsea was very helpful
Chelsea was very helpful, answered all my questions and set me up hassle free. S...
Chris
June 14
its the easiest thing in the world to…
its the easiest thing in the world to find insuance that isn't going to burn the...
ann watson
June 11
Very nice broker
Very nice broker. Good service. Found a great deal.
Meredith Berggren
June 5
Awesome work
wow what an awesome rep. He did up everything, extremely fast and was very under...
Delroy Paul
June 4
It was a pleasure dealing with your…
It was a pleasure dealing with your broker, it made switching insurance companie...
Michael Sheridan
May 26
Quick service
Quick service, good price
dl
May 22
Imad Harrouk was great !
Imad Harrouk was great ! intelligent well spoken professional polite a perso...
james bannon
May 21
Imad Harrouk helped me get the best…
Imad Harrouk helped me get the best home and auto bundle insurance quote. He was...
Amanda Moskowitz
May 20
Excellent !!! Very competitive rates !!
Excellent customer services also they have very competitive rates !!
Eliza Gallant
May 18
I was treated fairly and walked through…
I was treated fairly and walked through my purchase.I enjoyed the agent was exce...
paul neville
May 14
Highly recommend
Great experience, simple to use and they gave me a lot of options at prices that...
Chandra Wilson
May 11
Easy
Easy, clear and fast. Very effective.
Rene Izquierdo de la Cruz
May 6
Sonia was very helpful and nice…
Sonia was very helpful and nice throughout the whole process. She got me the bes...
Ali Al-Rubayee

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When you find the best quote, secure your Ajax home insurance rate by talking to a licensed broker or agent.

Get the best home insurance rates in Ajax.

Home ownership is one of the biggest financial commitments you can make. That’s why home insurance is essential. A great home insurance policy gives you the protection you need at an affordable price point.

If you’re searching for a great price on home insurance in Ajax, LowestRates.ca can help. We’ve simplified the process of shopping the market, with our fast, free online quote tool. Just enter a few details once and you’ll receive current home insurance rates in Ajax from all the best insurance providers serving your area. By comparing quotes, you can lock in the right coverage at the lowest price available.

Plus, we offer all the important information you need to understand how home insurance works — what it covers, what it doesn’t, and how home insurance providers in Ajax set your rates. We even offer tips to ensure you save on your policy.

The bottom line? LowestRates.ca makes it easier to understand and find affordable home insurance in Ajax today.

Outline of a house. Illustration.

See how much you could be saving on home insurance.

Type of homeLocationPrevious claimsLowest rateAverage rateSaved
Quote from September 23, 2021
Type of home
Detached 3,003 sq ft
Location
Ajax
Previous claims
None
Lowest Rate
$210/mth
$2,516/yr
Average rate
$340/mth
$4,076/yr
Saved
$130/mth
38.00%
Quote from September 23, 2021
Type of home
Detached 1,740 sq ft
Location
Ajax
Previous claims
None
Lowest Rate
$54/mth
$648/yr
Average rate
$159/mth
$1,913/yr
Saved
$105/mth
66.00%
 

Tips on how to lower the cost of your home insurance policy in Ajax.

Getting insurance for your home is easier than it may seem. To secure the lowest rate possible, the Financial Consumer Agency of Canada recommends following these steps when shopping for home insurance.

Compare home insurance quotes from various providers.

Ask your broker or agent about bundling your home and car insurance policies.

Ask your broker or agent about which discounts you qualify for.

You might be able to further reduce your by increasing your deductible (the amount you pay toward a claim before your insurance kicks in) and by offering to pay your insurance bill annually instead of monthly.

Increasing your deductible is a great way to save on home insurance in the short term, just make sure you have money reserved for this purpose. Focusing on finding cheap quotes isn’t always a good idea. Having the right amount of coverage — now that should always be the goal.

Factors that determine your home insurance quote in Ajax.

Your home insurance policy will be customized to suit your needs and the property you’re insuring.

Home insurance premiums are determined by dwelling type (is it a single-detached home, a house with a basement tenant suite, or a condo?). Insurance companies also try to predict the kind and size of claim you might make in the future.

Here are some of the criteria insurance companies look at when calculating your premium.

  • The square footage of your home.
  • Contents and quality of construction.
  • The location of your home.
  • Distance to a fire hydrant.
  • Your insurance claims history.
  • The age of your roof.
  • Your home’s plumbing.
  • Your home’s electrical system.

Your questions about homeowners insurance in Ajax, answered.

How much is home insurance in Ajax?

If you’re searching for cheap home insurance in Ajax, you might think it would be helpful to know the average price of coverage in the city.

Insurance is a customized product. This means that your policy is always tailored to the unique features of your home as well as your personal coverage preferences.

Geography is only one factor that goes into determining your rates, so knowing the average home insurance cost in Ajax isn’t really that useful.

The only way to get an accurate view of what your coverage will cost is to request customized quotes from multiple insurance companies.

With several quotes in hand, you’ll be able to choose the lowest rate for the level of coverage you want.

LowestRates.ca streamlines the process of comparing home insurance rates. Just enter your information once and you’ll receive quotes from multiple top providers.

Our online quote tool is fast and free.

What perils are specific to Ajax?

Ajax’s location on the northern shore of Lake Ontario means homeowners may be concerned about the risk of flood damage to their properties.

Flood damage is not covered by most home insurance policies, but it’s usually possible to purchase optional coverage to protect against this peril.

Insurance companies divide flood damage into a few types, including tidal flooding, overland flooding and sewage back-up (which commonly occurs during a flood). Be sure to ask about which types of flood damage can be covered if you want flood damage protection for your home.

What perils does home insurance cover in Ajax?

If you have comprehensive or “all-risk” home insurance, you’re protected against damage from all causes except those specifically excluded in your policy.

If you have standard or basic coverage, you are typically covered only for “named perils,” meaning those specifically included in your policy. Damage from all other perils is not covered.

Typical perils covered by standard home insurance include:

  • Fire
  • Electrical current or surge (check how your policy defines this)
  • Explosions
  • Lightning strikes
  • Falling objects (depending on the cause)
  • Broken windows
  • Theft
  • Vandalism
  • Vehicle or aircraft impact
  • Certain types of water damage
  • Hail, wind and other damage from severe weather

Damage from flooding, slow leaks caused by poor maintenance and earthquakes are usually not covered by home insurance policies. However, you may be able to purchase optional coverage for flooding and earthquake damage.

What perils won’t property insurance cover in Ajax?

There are some common exclusions to home insurance coverage, including damage caused by these perils:

  • Flooding and sewage back-up
  • Earthquakes, landslides, avalanches and other earth movements
  • War, terrorism and nuclear incidents
  • Criminal activities
  • Vacancy
  • Business activities
  • Home-sharing or rentals

If you plan to rent out your home on a temporary or long-term basis, if you use your home seasonally or plan to be away for an extended period, talk to your home insurance company about additional or alternate coverage options. Specialized insurance products may be available to cover you in these situations.

You may also be able to purchase optional protection for flooding and earthquakes.

What kind of home insurance do you need in Ajax?

The type of home insurance you need depends on your coverage preferences. Insurance providers offer different levels of coverage to meet different needs and budgets.

Comprehensive or “all-risk” policies offer the greatest level of protection, with higher premium costs. This type of coverage protects you against all perils except those specifically excluded in your policy.

Broad insurance coverage typically offers robust coverage of your dwelling, similar to comprehensive coverage, but more limited coverage of your home’s contents, such as clothing, appliances and furniture.

Basic home insurance usually means you’re protected against damage from only those causes specifically named in your policy. You may be able to add optional coverage for other perils through riders or endorsements to your policy.

What can you do to save on home insurance premiums in Ajax?

If you want to secure the lowest home insurance rates in Ajax, you’re already on your way. One of the first steps in finding the cheapest rates is learning about how home insurance works and deciding the level of coverage you need.

Once you know your preferred level of coverage, it’s important to shop around. Compare home insurance quotes in Ajax from a range of different providers to find out who’s offering the best rates on the market for the coverage you want. Hint: LowestRates.ca’s convenient online quote tool makes comparing the market fast and free.

If you have another type of insurance, consider bundling your policies with the same insurance company. Many providers offer discounts for purchasing multiple policies.

Ask if your insurance provider offers discounts for memberships in alumni or employee organizations, or for retirees. Some companies also discount coverage for customers who are non-smokers or for long-time loyalty.

Consider beefing up your home’s security to earn a discount. Certain security systems, like carbon monoxide detectors, externally-monitored burglar and fire alarms and deadbolt locks can earn you savings with insurance providers. Be sure to ask about your insurer’s specific offerings.

Another way to lower your home insurance estimate in Ajax is to raise your policy’s deductible. If you go this route, your premium may be lower. Just be sure you have enough savings set aside to cover the amount of your deductible in case you need it.

What are the best home insurance companies in Ajax?

There is no one home insurance company that is best for every homeowner and every type of property. But there is absolutely a great insurance product for you and your home.

To get the best home insurance in Ajax for your needs, be an informed consumer. Learn about the types of coverage available and determine your preferences. Then compare quotes to get the best deal on the market.

The best home insurance for you may be different from your neighbour’s. Insurance is fundamentally a customized product, designed to fit your property, your specific desires and your budget.

LowestRates.ca can help you find the right coverage for your needs at the lowest price on the market.

What if I own a condo or rent? Can I still buy property insurance online?

Yes. Whether you need house insurance in Ajax, or coverage for your rental unit or condo, it’s easy to purchase the policy you need online through LowestRates.ca.

We work with all the leading Ajax home insurance providers to offer home insurance, tenant insurance and condo insurance to meet the whole range of home insurance needs.

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