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Brantford home insurance

Home insurance protects you, your family and your possessions from loss and liability. This is no less true in Brantford, Ontario, home of The Great One – Wayne Gretzky. Despite its historical significance to the hockey community, Brantford has its issues with crime and other events.

Home insurance in Brantford also covers you for covered perils and liability issues. It is likely your biggest asset and you will want to ensure it is protected should theft, damage or lawsuits come your way.

Brantford home insurance also protects your mortgage lender, which is why it is a requirement for securing a mortgage (although not a mandatory requirement of owning a home).

The Financial Services Regulatory Authority of Ontario (FSRA) is the regulatory body for Ontario’s property and casualty, and general insurance sector. The agency’s role is to ensure agents and businesses that sell property and casualty, and general insurance comply with provincial laws, including meeting the qualifications and ongoing requirements for a license. FSRA also provides oversight to the adjusters and firms that investigate property and casualty, and general insurance claims.  

Different types of home insurance coverage in Brantford

Home insurance in Brantford comes in many shapes and sizes. The most common types are:

• Building/property coverage: This will cover the structure itself as well as the land it sits on. Generally, building protection is important after fire or water damage, theft, or vandalism, and other natural or weather-related occurrences. Other structures on your property may need additional coverage. It’s best to talk to your insurance provider about coverage and extras.

• Contents: Aside from the house itself, most of your valuables are likely inside your home. This coverage protects your possessions from theft or damage. More valuable items such as fine art or jewelry may need additional coverage and should be discussed with your provider.

• Personal Liability: Should someone injure themselves on your property and sue you, or if you cause damage to another person’s property, personal liability will protect you from lawsuits, medical or legal expenses.

• Additional Living Expenses: If your home becomes uninhabitable due to damage, or evacuation, for example, this coverage will help you pay for the living expenses of temporary housing, food and even transportation. There can be caps on these amounts, and you should therefore discuss with your provider how much coverage you have for such emergencies.

• Common Optional Coverages and Endorsements: Many Brantford insurance providers will offer optional coverages that can include:

  • Sewer back-up

  • Overland water/flooding damage

  • Earthquake coverage

  • Home-based business insurance

  Exceptions

  • Jewelry or fine art.

  • Identity theft

  • Freezer food replacement

  • Lock replacement

How we find you the best home insurance in Brantford.

A home in Brantford, Ontario is a significant investment. Guard it with a home insurance policy custom-designed for your needs.

To get the coverage you want at the lowest price on the market, you’ll need to shop around and compare rates from different Brantford insurance providers. Gathering the information you need to make the right purchase can be a time-consuming chore. Or you can take advantage of LowestRates.ca’s hassle-free online quote tool.

LowestRates.ca eases the burden of shopping for home insurance. We work with the top insurance providers serving the Brantford market, letting you efficiently compare premium prices from reputable providers side-by-side. This makes finding the best value on the coverage you need quick and easy.

If you want to learn more about home insurance before shopping for a policy, keep reading. We’ll share tips for lowering your costs, insights about how insurance providers set your rates, and more.

When you’re ready to find the best price on insurance for your Brantford home, just go to the top of the page and click “Get Started.”

Risk factors for homeowners in Brantford

Brantford is only about an hour and a half from Toronto, and half an hour from Hamilton. Being close to large areas can have its pros and cons. However, the city recorded the fourth highest per-capita homicide rate among Ontario cities with populations between 100,000 and 500,000 in 2021, according to statistics Canada.

Besides the risks of crime and theft, Brantford is located near the Grand River and can experience flooding and water issues, especially after large rain falls or in the spring when snow is melting.

Flooding is not one of the perils covered by Brantford home insurance providers. It is an extra coverage that should be considered by those who live in the area. Perils that are covered by home insurance companies in Brantford include: fire, theft, severe weather, vandalism, broken tree limbs, window breakage and personal liabilities.

Generally, the perils not covered by property insurance providers in Brantford include sewer back-up, overland water/flooding, earthquakes, damage from indoor frozen pipes, vacancies, business activities, and rentals or home sharing.