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When you find the best quote, secure your Burlington home insurance rate by talking to a licensed broker or agent.

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.

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See how much you could be saving on home insurance.

Type of homeLocationPrevious claimsLowest rateAverage rateSaved
Quote from October 16, 2021
Type of home
Detached 1,760 sq ft
Location
Burlington
Previous claims
None
Lowest Rate
$74/mth
$889/yr
Average rate
$111/mth
$1,332/yr
Saved
$37/mth
33.00%
Quote from October 16, 2021
Type of home
Detached 1,104 sq ft
Location
Burlington
Previous claims
None
Lowest Rate
$72/mth
$864/yr
Average rate
$150/mth
$1,805/yr
Saved
$78/mth
52.00%
 

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

Getting insurance for your home is easier than you think. To get 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.

Factors that determine your home insurance quote in Butlington

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 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.

Zandile Chiwanza

Zandile Chiwanza

About the Author

Zandile is a Personal Finance Writer at LowestRates.ca. Before joining the team Zandile worked as the content editor for Real Estate Management Industry News. As a self-proclaimed budget warrior, Zandile dedicates most of her time to advocating for financial wellness.

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