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What our users say:

May 23
There going to help you be covered as long as you keep keep up with your monthly payments against somebody else s fire and flood damage if you started the fire or flood by no fault of your own doing .
My sister refused me to cooperaters in hamilton for apt fire insurance .they gav...
Cindy Lou
May 23
Very polite agent fair quotes
Very polite agent fair quotes
Leo Rumble
May 17
Great and valuable services regarding…
Great and valuable services regarding competitive rates and coverage
Muhammad Hanif
May 15
It was a very professional service
It was a very professional service. The person.was polite
Hugo Figueroa
May 15
The Hope of a more cost saving policy
The Hope of a more cost saving policy
Caroline m Fremont
May 14
They went through the insurance…
They went through the insurance information with me , and allowed me to save hun...
Kevin Jessome
May 10
Good experience
Good experience
AV
May 9
👍👍👍👍
They are friendly and helpt
Maria
May 9
Best customer service
Best customer service.
HARIDASAN VELAYUDHAN
May 7
Very professional
Very professional, quick and prompt answers.
DORIN COTOI
May 7
Customer service was 10/10
Customer service was 10/10, very informative and helpful/friendly.
Emily
May 5
I was so impressed with your…
I was so impressed with your representative- Bhakti Joshi for her help in walkin...
Maureen Driscoll
May 5
The fellows were very friendly and…
The fellows were very friendly and helpful
Leona Toner
May 4
Very Helpful when time you need it
I have been using lowest rate.ca to find the best raye for any of my insurance a...
Eli
May 2
They found the lowest possible premium…
They found the lowest possible premium for me in minutes
Rob Di Ciccio
May 2
Knowledgeable staff.
Knowledgeable staff.
paul malandrino
April 27
Very Helpful and Professional
Quick, and professional. Explained everything really well and answered all my qu...
Bonnie
April 26
A great agent...all my questions…
A great agent...all my questions answered I think Maria is an asset to your comp...
Ron Tombari
April 24
Great customer service
Great customer service! Ethan took the time to go over specifics with me! He was...
Margaret Lewis
April 22
Your agent Nathan was amazing and so…
Your agent Nathan was amazing and so helpful.
Alecia O'Brien
April 19
Prompt response
Prompt response. Good info to make a decision. Helpfull that info was sent to ...
Margaret Bird

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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:

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.”

Factors that determine your home insurance quote 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.

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.

Outline of a house. Illustration.

See how our customers in Brantford save big on home insurance.

Type of homeLocationPrevious claimsLowest rateAverage rateSaved
Quote from May 23, 2024
Type of home
Detached 1,397 sq ft
Location
Brantford
Previous claims
None
Lowest Rate
$138/mth
$1,656/yr
Average rate
$202/mth
$2,424/yr
Saved
$64/mth
$768/yr (32.00%)
Quote from May 23, 2024
Type of home
Detached 1,693 sq ft
Location
Brantford
Previous claims
None
Lowest Rate
$184/mth
$2,208/yr
Average rate
$267/mth
$3,204/yr
Saved
$83/mth
$996/yr (31.00%)
Quote from May 23, 2024
Type of home
Detached 1,090 sq ft
Location
Brantford
Previous claims
None
Lowest Rate
$116/mth
$1,392/yr
Average rate
$174/mth
$2,088/yr
Saved
$58/mth
$696/yr (33.00%)
Home insurance quotes are compared from CAA, Dominion Insurance, Economical Insurance, Gore Mutual, Max Insurance, Pembridge, SGI, Square One Insurance, and Wawanesa Insurance.
 

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

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.

Your questions about homeowners insurance in Brantford, answered.

How much is home insurance in Brantford?

According to quoter data from Lowestrates.ca customers who completed a home insurance quote between January 1, 2022, and December 31, 2022, the average home insurance price in Brantford for the year was $1,791 annually. This is cheaper than the Ontario average premium of $2,169 in 2022, by $209.

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

The best ways to save money on home insurance in Brantford are to comparison shop on sites like LowestRates.ca. Simply input a few bits of information about your insurance needs and your location and we’ll do the rest. It’s free, and easy, and you’ll get a list of the cheapest insurance rates from Brantford’s top providers.

If you already have Brantford home insurance, you can consider raising your deductible, which reduces the risk for insurance companies, renegotiate your terms, and speak to your broker/provider about other discounts.

What are the best home insurance companies in Brantford?

The best home insurance companies in Brantford are the ones that suit your needs and budget. The decision on which Brantford home insurance company that works best for you is a personal one. Talk to your broker or other providers, comparison shop on LowestRates.ca and find the company that offers you what you need at the rate you can afford.

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

Absolutely. Most, if not all, home insurance companies also offer condo or rent insurance. You can comparison shop the best rates on sites like LowestRates.ca and you can talk to a broker about the different company offerings for your specific needs. Both condo and rental insurance are similar to home insurance, in that your possessions are protected, however there are nuanced differences in terms of structural protections.

Joel Kranc

Joel Kranc

About the Author

Joel Kranc is an award-winning writer, author and journalist. Most of his experience lies within the institutional investment and financial services space. He also covers a variety of business topics for publications in North America and the UK.

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*Shoppers in Ontario who obtained a home insurance quote on LowestRates.ca from January to December 2023 saved an average of 30%. The average savings percentage represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by LowestRates.ca. Excludes tenant and condo insurance.