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If you own your home, it’s probably one of your most valuable possessions. Home insurance protects it from risks such as fire, wind and water damage.

Insuring a home in Burlington is no different than anywhere else in Canada — though there are a few things about getting home insurance in the city you should know. We’re here to tell you what they are.

Read on to find out more about home insurance in Burlington, or use the form above to get started and compare rates. Our home insurance quoter lets you compare the top home insurance providers in Burlington do you can get the best price.

Your questions about home insurance in Burlington, answered.

How much does home insurance cost in Burlington?

A number of factors affect home insurance prices beyond just where you live. An insurance company’s job is to assess risk by determining how likely you are to make a claim on the house you’re insuring.

If you live in a low-lying area prone to flooding, for example, you may pay more for home insurance. But that’s just one part of the equation. Your residence type, whether you live in a single-family home, a condo or a townhouse, may also have an impact. Other factors could include the replacement value of your home if it were destroyed or severely damaged, the neighbourhood’s crime rate, your proximity to a fire station, your claims history, your deductible, and the kind of coverage you buy.

What risks are specific to Burlington?

Different areas come with different risks, and it’s important to know what the risks are in Burlington so you can buy the right coverage.

  • Floods: This is a growing risk throughout Canada. Climate change is resulting in more extreme weather, meaning that storms that may have struck every hundred years may now hit every few years. Burlington is no stranger to floods: in 2014, the city received nearly two months of rain in just eight hours. More than 3,000 homes ended up flooded and millions of dollars in damage was done to the city’s infrastructure.
  • Wind storms: Burlington is surrounded by flat country and so major wind storms and even tornados are not uncommon in the area. In April 2018, a major wind storm knocked down trees, damaged roofs and lead to 10% of Burlington residents losing power.
  • Fire: Luckily, Burlington is not situated in an area known for wildfires. However, fire is a major risk to any homeowner and it’s important to protect yourself against it.

What risks does home insurance cover in Burlington?

Most insurance policies will cover a standard list of so-called perils — insurable risks to your home. It’s important to know what perils are covered under your insurance. Some commonly covered perils as part of a standard plan include:

  • Damage from electrical currents
  • Damage from vehicle impact or airplanes
  • Explosions
  • Falling objects (this does not include those from landslides, or avalanches)
  • Lightning
  • Smoke (this often doesn’t cover smoke damage from fire places, however)
  • Fire
  • Theft

What risks won’t home insurance cover in Burlington?

While many assume buying home insurance will cover you in any event of damage, there are certain events that are not included in standard policies, and are either not covered or have to be added onto a policy. Some perils which are predictable and expected to happen, such as a wood fence falling over after years of rotting away, or roof shingles that fall apart at the end of their shelf life, will not be covered. It’s your responsibility to maintain your home and prevent these things from happening.

Certain events require an insurance “endorsement” to be covered. These add-ons can be purchased for most policies. Some include:

Sewer backup: If there's a major rainstorm that causes your sewer line to backup and flood your home, you won’t be covered under a standard policy unless you have an endorsement to cover it. As storms become larger due to climate change, old sewer systems may struggle to keep up, making this a growing risk.

Earthquakes: Though not standard in most policies, you can buy this to protect your home in the event of an earthquake. However, keep in mind that while direct damage from the ground shaking may be covered, byproducts of an earthquake may not be covered. However, damage caused by tidal waves, floods or surface water or waterborne objects may not be covered by earthquake insurance, even if the earthquake caused these things.

Overland flooding: If you live near a river, you may be at risk of flooding. However, most standard policies won’t cover so-called overland flooding, which is when a river or body of water spills its banks and finds its way into your home.

What kind of home insurance do you need in Burlington?

There’s nothing special about the major types of home insurance you can buy in Burlington; you’ll find these four different products in markets across Canada. However, you should know the differences between them before you make a decision.

Comprehensive: Comprehensive insurance will cover both your property and the contents inside. As the name implies, this is the most extensive base policy you can purchase and it provides coverage against all insurable perils.

Basic or Named Perils: A more basic policy that often will just cover your home against perils that you specifically name. You’ll save money with this policy, but you won’t have as much coverage.

Broad: You’ll have your building and your contents insured, but the content insurance will just be for named perils. Often cheaper than comprehensive, but more expensive than basic, with more items covered.

No-Frills: Not all insurers offer a no-frills policy. It’s meant to insure houses that otherwise might not be insured by other companies, such as those with structural damage. This is a very basic level of coverage.

In addition to the four major policies above, you can purchase endorsements to your insurance policy that can gain you additional coverages. Some endorsements include:

  • Sewer backup
  • Earthquake
  • Watercraft endorsement
  • Home-based business endorsement

What can you do to save on home insurance in Burlington?

There are lots of ways that you can lower your home insurance rate in Burlington. Some of these include:

  • Raise your deductible.
  • Bundling your home and auto insurance together.
  • Paying a premium annually instead of monthly.
  • Senior discounts.
  • Alumni or professional discounts.
  • And of course, comparing home insurance online.

What are the best insurance companies in Burlington?

There’s no such thing as the “best” home insurance company in Burlington because the best company is the one that offers you the right product for the best price given your needs.

That being said, LowestRates.ca compares the top insurance companies and brokers in the country. We’ve created an easy-to-use form to help you quickly see which one has the best price for your needs.

Some of the companies LowestRates.ca compares include:

  • Aviva
  • Wawanesa
  • CAA Home Insurance
  • Economical Insurance
  • Sonnet

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