Compare the best home insurance quotes in Burlington for free.

On average, Burlington homeowners save hundreds of dollars per year by comparing quotes with us.

Get quotes from 75+ Canadian providers in 3 minutes.

How we find you the best home insurance in Burlington.

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

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

Before you decide on an insurance company to work with, shop around and compare home insurance quotes in Burlington and save yourself some money.

Enter your postal code above to get started. In only a few minutes, we’ll show you 10+ free no-obligation quotes from Canada’s leading home insurance companies so you can get affordable home insurance in Burlington.

Read on to find out more about home insurance in Burlington.

Outline of a house. Illustration.

See how much you could be saving on home insurance.

Type of homeLocationPrevious claimsLowest RateAverage rateSaved
Quote from March 01, 2021
Type of home
Detached, 2,680 sq ft
Location
Burlington
Previous claims
None
Lowest Rate
$807/yr
Average rate
$1,594/yr
Saved
49.00%
Quote from February 28, 2021
Type of home
Detached, 1,208 sq ft
Location
Burlington
Previous claims
None
Lowest Rate
$695/yr
Average rate
$1,100/yr
Saved
37.00%

What our users say:

Excellent
February 28
the best rate and a great CS rep to…
the best rate and a great CS rep to handle all in a timely manner, the follow up...
Vince Tesone
February 26
Excellent customer service
Chelsea was really friendly, knowledgeable and helpful. She made the switch over...
Emilija Charest
February 24
Sonia was very detailed and…
Sonia was very detailed and knowledgeable. She was a joy to speak to. My only h...
Kizzy Phillips
February 23
Quick and easy and lowest rate!
Samantha H. helped me today to find the lowest quote with comprehensive coverage...
Joumana Y.
February 23
Daina Migliore was very professional…
Daina Migliore was very professional and very detailed about the information i n...
Don Magampon
February 22
Great representative
Great Very helpful Spoke clearly Took her time Made things understandable
Healing Energy
February 22
Very good customer service and thank you
Very good customer service and thank you
Karunakaran Elayathambi
February 19
The Best Friendly Broker Stay By Your Side
I've been assisted by a broker named, Sonia Martinez in order to purchase the in...
GemPham
February 17
Very good experience,
Very good experience, Got a great deal on auto and home insurance. Imad was very...
Gary
February 13
Excellent recent experience!
To whom it may concern, I recently filled a quote on LowestRates.ca and had the...
Matthew #GoLeafs
February 10
The rates I received were lower than…
The rates I received were lower than expected! The website was easy to navigate...
Char
February 8
Wicked service wonderful service he…
Wicked service wonderful service he answered every question i had not one compla...
Steve P.
February 8
Informative, efficient sales person, Meaghan
Meaghan F was informative, helpful efficient in the process. Was not pushy with ...
Boni Griffith
February 8
I had a wonderful experience with…
I had a wonderful experience with Lowestrate they save $450 on my home and auto ...
sri
February 4
It was excellent service
It was excellent service. Mr. Imad Harrouk was very helpful, courteous, patience...
Khudabux Rao
February 4
Great experience meaghan Ford was very…
Great experience meaghan Ford was very professional.
Greg Gemmill
February 4
Seamlessly easy on line quote system
Seamlessly easy on line quote system
Paul
February 1
Exceptional service from Imad Harrouk
I was impressed by the exceptional customer service representative from your com...
Margaret Galbraith
January 30
Quickly let’s you know lowest rate…
Quickly let’s you know lowest rate before an agent, Laura in my case contacts ...
Dani
January 4
I needed info and quotation for my…
I needed info and quotation for my condo insurance. Upon applying with Low Rate,...
Mehdi Mansouri
July 23
Saved money and agent was very helpful…
Saved money and agent was very helpful much better deal ! Highly recommended
Antonella Commodaro
June 8
LowestRates.ca was a great way to find…
LowestRates.ca was a great way to find a lower cost of insurance needs when rene...
David Bermingham
May 23
Website is very easy to use
Website is very easy to use, questions are basic. Be sure to review companies on...
Alan Poulter
May 10
for insurance
It is good website to check for insurance
Palvinder Tumber
April 11
LowerRates.ca Review
LowerRates provides quick processing of cost comparisons and their website is so...
Agripina Suarez
April 4
Saved me $1740 per year on premiums
Saved me $1740 per year on premiums
Douglas Bailey
March 31
Easy and saved money
Our local insurance provider for home insurance increased our rate for 2020-2021...
Stephen Alexander
March 23
Excellent followup
Finally, customer service improved. Please get update from Surex on my behalf.
Peter Chinaka
March 13
Satisfied Client
Prompt, professional and understandable process.
E. HSIA
March 10
Fast and easy site!
Fast and easy site that ultimately helped me find the most competitive rates for...
NS44

Your Butlington home insurance questions, answered.

How much is home insurance in Burlington?

A number of factors affect home insurance prices in Burlington.

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 include the replacement value of your home if it were destroyed or severely damaged, your proximity to a fire station, your claims history, your deductible, and the amount and type of home insurance coverage you buy for your Burlington home.

The average cost of home insurance in Burlington won't be the most accurate indicator of exactly what you’ll pay. That's why we recommend applying for quotes. It's the most reliable way to gauge your costs.  

What risks are specific to Burlington?

Different regions face different weather perils. Knowing what risks you're likely to encounter in Burlington can help you determine your home insurance needs. Here are some weather events that Burlington homeowners are likely to face. 

  • Floods. This is a growing risk throughout Canada. Climate change is causing extreme weather events to become more commonplace and storms that may have struck every hundred years 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 terrain, 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 led 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 property insurance policies in Burlington 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 fireplaces, however)
  • Fire
  • Theft
  • Your personal liability (legal costs incurred if someone is hurt on your property or you cause damage to someone else’s)

What risks won’t home insurance cover in Burlington?

A common assumption is that buying house insurance in Burlington covers you for any type of damage.  Standard home insurance policies contain many exclusions. 

These exclusions include perils that are predictable, such as a wood fence rotting or roof shingles falling off. It’s your responsibility to maintain your home and prevent these things from happening, therefore they aren't covered by your home insurance policy.

Certain events require an insurance endorsement to be covered. These add-ons can be purchased for most policies.

Examples of common endorsements include:

Sewer backup. If there's a major rainstorm that causes your sewer line to back up and flood your home, you won’t be covered under a standard policy unless you have an endorsement for sewer backup. 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. Keep in mind that while direct damage from the ground shaking may be covered, byproducts of an earthquake may not be. Damaged caused by tidal waves, floods or surface water or waterborne objects are also not usually 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 overland flooding, which is when a river or body of water spills its banks and finds its way into your home. You need to purchase an endorsement for this. 

What kind of home insurance do you need in Burlington?

There’s nothing special about the major types of homeowners 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. This type of policy will help you to secure cheap home insurance in Burlington, 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 insurance companies 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 (at an additional cost.)

Some endorsements include:

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

Remember to shop around and compare Burlington home insurance quotes to make sure you’re getting current home insurance rates in Burlington.

One of the most efficient ways to get a home insurance estimate as a Burlington resident is to fill out a form on a rate comparison site like LowestRates.ca.

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

The cost of home insurance in Burlington depends on a number of factors, including where you live, the size and the quality of the home insurance company’s insurance pool, as well as external factors such as extreme weather risks.

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

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

What are the best home 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 amount of protection at a price that's manageable for you. 

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

Here are some of the home insurance providers that Burlington residents can trust to secure the best home insurance rates in Burlington:

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

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

LowestRates.ca can help renters and condo owners find property insurance. Just select which type of insurance you’re looking for and enter your postal code.

Home insurance news

Read More Like This