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How much does Burlington home insurance cost in 2026?
Home insurance in Burlington costs around $1,440 – $2,770 per year as of 2026, according to LowestRates.ca’s latest quoter data. By contrast, Ontario home insurance premiums are around $1,875 – $2,170 per year, roughly $418 higher than Burlington’s (if you base the comparison on their midrange values).
How LowestRates.ca determines lowest and highest premiums
Estimated premiums are based on the average of the lowest two quoted premiums in 2026, with maximum available coverage for water protection using a profile of a 40-year-old homeowner, continuously insured for at least 10 years, who lives in a 2,500 sq ft detached house built 40 years ago, with brick veneer, wood frame construction, natural gas heat, a 10-year-old roof, and home replacement costs of $500,000.
Premiums are ordered according to Forward Sortation Areas (FSAs), which are the first three digits of a postal code, rounded to the nearest tenth. Premium ranges for each city are based on the lowest and highest premiums for each FSA. Ontario premium range is based on the median of all the lowest and highest premiums for each FSA.
About the comparison values
The comparison values are based on the midrange values for each city.
The formula to calculate the difference between each city is as follows:
((lowest premium + highest premium) ÷ 2) - ((lowest premium + highest premium) ÷ 2)
Example calculations:
- Ontario midrange: ($1,875 + $2,170) ÷ 2 = $2,022.50
- Toronto midrange: ($1,670 + $2,710) ÷ 2 = $2,190
- Difference between Ontario and Toronto: $2,022.50 - $2,190 = -$167.50, rounded to -$168
Burlington vs. the GTA: Who gets the lowest home insurance premiums in 2026?
At $1,440 – $1,770 per year, Burlington has the lowest premiums in the Greater Toronto Area (GTA), roughly $600 lower than East York's, which are around $1,860 – $2,550 per year as of 2026, putting them at the bottom of the list.
If you’re wondering where your specific Burlington neighbourhood falls in all of this, scroll on to find your postal code.
| Rank | City | Annual premium (lowest – highest) | vs. Burlington |
|---|---|---|---|
1 | Burlington | $1,440 – $1,770 | $0 |
2 | Newmarket | $1,510 – $1,880 | ~$90 higher |
3 | $1,320 – $2,080 | ~$95 higher | |
4 | Whitchurch-Stouffville | $1,620 – $1,780 | ~$95 higher |
5 | Vaughan | $1,420 – $2,000 | ~$105 higher |
6 | Richmond Hill | $1,510 – $1,920 | ~$110 higher |
7 | Oshawa | $1,420 – $2,050 | ~$130 higher |
8 | East Gwillimbury | $1,690 – $1,780 | ~$130 higher |
9 | Courtice | $1,700 – $1,780 | ~$135 higher |
10 | $1,420 – $2,070 | ~$140 higher | |
11 | Markham | $1,500 – $2,090 | ~$190 higher |
12 | Uxbridge | $1,570 – $2,030 | ~$195 higher |
13 | Aurora | $1,720 – $1,880 | ~$195 higher |
14 | $1,530 – $2,180 | ~$250 higher | |
15 | Caledon | $1,480 – $2,240 | ~$255 higher |
16 | Halton Hills | $1,420 – $2,310 | ~$260 higher |
17 | $1,570 – $2,170 | ~$265 higher | |
18 | King City | $1,750 – $1,990 | ~$265 higher |
19 | $1,330 – $2,420 | ~$270 higher | |
20 | $1,410 – $2,360 | ~$280 higher | |
21 | Scarborough | $1,510 – $2,270 | ~$285 higher |
22 | Newcastle | $1,630 – $2,180 | ~$300 higher |
23 | Georgina | $1,630 – $2,240 | ~$330 higher |
24 | Sunderland | $1,750 – $2,120 | ~$330 higher |
25 | Bowmanville | $1,700 – $2,260 | ~$375 higher |
26 | $1,630 – $2,350 | ~$385 higher | |
27 | North York | $1,520 – $2,600 | ~$455 higher |
28 | Port Perry | $1,960 – $2,240 | ~$495 higher |
29 | Etobicoke | $1,770 – $2,540 | ~$550 higher |
30 | Orono | $2,110 – $2,240 | ~$570 higher |
31 | $1,670 – $2,710 | ~$585 higher | |
32 | East York | $1,860 – $2,550 | ~$600 higher |
Ontario annual premium (lowest – highest):
$1,875 – $2,170 (~$418 higher than Burlington)
Burlington home insurance premiums by postal code
Postal codes with the highest home insurance premiums in Burlington start with L7S, paying $1,680 – $1,770 per year.
| Postal code | Annual premium (lowest – highest) |
|---|---|
L7L | $1,440 – $1,560 |
L7P | $1,480 – $1,510 |
L7R | $1,490 – $1,680 |
L7M | $1,510 – $1,770 |
L7N | $1,520 – $1,770 |
L7T | $1,550 – $1,770 |
L7S | $1,680 – $1,770 |
Burlington annual premium (lowest – highest): $1,440 – $1,770
The outlook on Burlington's home insurance premiums in 2026
Home insurance premiums in Ontario, and by extension, Burlington, are up in 2026 and are likely to continue to increase as we head into 2027.
Home premiums rose 5.8% year over year in Q2 2026 nationwide, according to the Applied Rate Index. Ontario saw an average premium increase of 4.2% year over year.
The silver lining for Ontario is that compared to Q1 2026, home insurance premiums are actually down — by 0.1%. The only other province to see a decrease from Q1 to Q2 in 2026 was Quebec, at 1.9%. The rest of the provinces saw an increase.
That said, year over year, the trend is unlikely to remain downward for Ontario.
| Quarter | Alberta | Atlantic Provinces | Ontario | Quebec | B.C. | Sask. & Man. |
|---|---|---|---|---|---|---|
Q2 2026 | 11.9% | 8.9% | 4.2% | 0.7% | 1.9% | 10.8% |
Q1 2026 | 16.2% | 10.8% | 6.6% | 4.0% | 1.6% | 11.2% |
Q4 2025 | 13.5% | 9.4% | 4.3% | 6.4% | 1.7% | 9.0% |
Q3 2025 | 13.1% | 7.3% | 4.7% | 11.2% | 4.6% | 8.9% |
Q2 2025 | 9.5% | 7.0% | 5.0% | 10.1% | 1.0% | 9.4% |
Q1 2025 | 3.4% | 4.2% | 5.7% | 9.6% | -5.9% | 4.0% |
Q4 2024 | 7.0% | 4.5% | 8.9% | 8.5% | 4.7% | 7.9% |
Q3 2024 | 5.5% | 5.4% | 10.4% | 5.0% | 7.6% | 7.7% |
Q2 2024 | 5.9% | 7.9% | 12.5% | 4.7% | 10.7% | 8.3% |
Q1 2024 | 10.4% | 9.2% | 12.7% | 3.7% | 18.3% | 12.0% |
Note: The percentages listed above are derived from comparing rates from one quarter to the same quarter in the prior year (e.g., Q2 2026 is compared to Q2 2025).
Source: The Applied Rate Index (Q2 2026)
What's driving Burlington home insurance premium increases in 2026?
A recent study by Statistics Canada shows that intensification in extreme weather events in the last six years, combined with an increase in rebuilding costs, have led to significant challenges for insurers across Canada. Here are some highlights:
Factor #1: Extreme weather intensification
Burlington has felt the effects of extreme weather firsthand. On August 4, 2014, 191 mm of rain fell in eight hours in parts of the city, flooding more than 3,000 homes and resulting in $90 million in insured claims. A decade later, the July 15, 2024 storm dropped another 74 mm, with roughly 50 mm falling in a single hour (a 1-in-100-year event), and more than 1,600 households and workplaces experienced flooding.
As of now, there are no indications that this upward trend will reverse any time soon. Extreme weather is bound to only get worse in the future, with temperatures and precipitation continuing to increase at a rapid rate. Locally, Halton Region (which includes Burlington) reports that flooding, windstorms and ice storms have been increasing in frequency and severity, and it projects that the hottest day will reach approximately 40°C by the 2080s.
Factor #2: Surging rebuilding costs
As seen in the recent report by Verisk, residential rebuild costs in Ontario went up 23.8% from January 2021 to January 2026. As of 2026 Q1, YoY component costs are 3.8% higher across all of Canada, with Ontario sitting in the second place among the provinces at 4.4% YoY. The first spot belongs to British Columbia at 4.7% YoY.
Furthermore, due to a growing skilled trades shortage — as job vacancies are expected to climb at a rate of 13% between 2026 and 2045 — there’s a high chance that home rebuilding costs will remain elevated as well.
Factor #3: Profitability concerns
All these issues have resulted in profitability concerns and pushed insurers to increase their premiums. According to the study, homeowners’ home and mortgage insurance increased 45% from December 2019 to December 2025, outpacing even the all-items Consumer Price Index (inflation), which went up 21% over that time span.
The outlook is grim, yes, but that doesn't mean that consumers have no options. Comparison shopping is still the best way, by far, to secure a cheap premium. And like all things financial, price shopping should be a habit rather than a once-in-a-blue-moon activity.
Get the cheapest home insurance quotes by comparing the market
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See how our customers in Burlington save big on home insurance.
| Type of home | Location | Previous claims | Lowest rate | Average rate | Saved |
|---|---|---|---|---|---|
Quote from October 13, 2026 Type of home Detached 1,300 sq ft | Location Burlington | Previous claims None | Lowest Rate $102/mth $1,226/yr | Average rate $143/mth $1,718/yr | Saved $41/mth $492/yr (29.00%) |
Quote from October 11, 2026 Type of home Townhouse 1,343 sq ft | Location Burlington | Previous claims None | Lowest Rate $59/mth $707/yr | Average rate $79/mth $952/yr | Saved $20/mth $240/yr (26.00%) |
Quote from October 11, 2026 Type of home Detached 1,101 sq ft | Location Burlington | Previous claims None | Lowest Rate $85/mth $1,017/yr | Average rate $120/mth $1,443/yr | Saved $36/mth $432/yr (30.00%) |
Home insurance quotes are compared from CAA, Dominion Insurance, Economical Insurance, Gore Mutual, Max Insurance, Pembridge, SGI, and Wawanesa Insurance.
Factors that determine your home insurance quote in Burlington
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 Burlington home insurance questions, answered
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.
Taras Trofimov
About the Author
Taras is the Content Manager for LowestRates.ca. He has produced thought leadership content for organizations like Constellation Software, Facebook and Yellow Pages as well as outlets like The Globe and Mail, Autoblog and MSN Autos.
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*More than 50% of LowestRates.ca users in Ontario who obtained a home insurance quote from January to December 2025 saw savings ranging from $150 to $650, with an average savings of $352.84. The average savings amount represents the difference between the users’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by LowestRates.ca.