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What our users say:

June 2
The staff that spoke with me was patient and professional. She has a good human ...
Gbemisola Eyinfunjowo
June 2
Very clear explanation of coverages…
Very clear explanation of coverages available and receptive to understanding my ...
June 2
quick response from multiple brokers…
quick response from multiple brokers with competitive quotes
June 1
Very helpful and to the point
Very helpful and to the point, an easy transition from my previous company and v...
Jody Deforge
May 31
I was looking for home and auto…
I was looking for home and auto insurance, received a quote online, and within s...
Ilda Faria
May 31
Great service
Great service
Russell Hall
May 27
Quick and easy
Quick and easy, quotes in minutes. Great customer service reps, helpful and know...
May 26
I was very leary about getting…
I was very leary about getting insurance through an online agency, but everythin...
Mr. Dubious
May 25
Very easy
Very easy! Call back right away and set up with new insurance provider fast and ...
Wendy Weber
May 19
First time driver
Made the insurance process easy and found the best price for me. Amazing custome...
Dylan Ingram
May 19
Very simple and quick
Very simple and quick
Shannah B
May 17
Helpful agent
Helpful agent. Made me feel like he was really trying to get me the lowest rate ...
May 17
Customer service was great
Customer service was great
May 17
This company a good comparison between…
This company made a good comparison between some insurance companies and this wa...
Reza Moemeni
May 17
Good service and information
Good service and information
May 17
questions answered
questions answered
Aaron Ridsdale
May 16
Excellent customer seevice
Excellent customer seevice
Dave Roach
May 13
Agent listened and answered all…
Agent listened and answered all questions. She was very thorough and quick!
Ben Reginella
May 11
Simply professional and pleasant
Simply professional and pleasant Thank you 👍
Eric Ifrah
May 11
Very polite and explained themselves…
Very polite and explained themselves well
Marilyn Bergeron
May 10
Easy & Professional
Easy, fast, efficient & professional.
May 9
Great service
Great service Very pleasant to talk to
Joesph Vachon
May 6
Fast and easy
They phoned me literally within 30 seconds after my search and helped answer all...
Haley Adkins
May 5
I got the lowest rates I was looking…
I got the lowest rates I was looking for. Thank you.
Muhammed Ibrahim

How comparing home insurance quotes works. Hint: it’s free!


Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.


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

Finding the best insurance for a home in Cambridge.

Cambridge is a Southern Ontario city popular with people who enjoy access to urban amenities and elements of rural life.

Many residents come to Cambridge for a more reasonable cost of living compared to nearby cities such as Guelph or Kitchener-Waterloo.

Keeping living expenses low is possible for homeowners who are willing to look for cheap home insurance in Cambridge.

Start with, where you can compare 50+ quotes for home insurance in Cambridge with our free online tool.

Outline of a house. Illustration.

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

Type of homeLocationPrevious claimsLowest rateAverage rateSaved
Quote from June 03, 2023
Type of home
Detached 1,112 sq ft
Previous claims
Lowest Rate
Average rate
Quote from June 03, 2023
Type of home
Detached 1,902 sq ft
Previous claims
Lowest Rate
Average rate

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

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 should always be the goal.

Factors that determine your home insurance quote in Cambridge.

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-family 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 the price of insurance for a home in Cambridge, or anywhere in Canada:

  • Contents and quality of construction.
  • Distance to a fire hydrant.
  • The age of your roof.
  • The location of your home.
  • The square footage of your home.
  • Your home’s electrical system.
  • Your home’s plumbing.
  • Your insurance claims history.

Your questions about homeowners insurance in Cambridge, answered.

How much is home insurance in Cambridge?

Determining an average cost for home insurance in Cambridge is hard to do because of how many variables go into determining a rate.

Home insurance providers look at many factors, but some of the most important ones include: coverage type, property location, property type and details about the homeowner.

The impact of each unique detail affects the overall rate.

As a result, no two homeowners are likely to end up with the same rate – even if they live in similar homes, in the same neighbourhood and have reflect many of the same personal details on their application.

What perils are specific to Cambridge?

Cambridge homeowners should carefully consider additional coverages to protect their homes against the effects of extreme weather.

Severe wind and thunderstorms are common in the area.

As a result, when you’re figuring out what insurance coverage to get for a home in Cambridge, we recommend that you closely consider flood coverage.

You’ll want to make sure that your home and its contents are protected in the event of an overland flood as well as against the effects of a sewer back-up – when water rises from the water table and interferes with your plumbing.

What perils does home insurance cover in Cambridge?

The perils you’re covered for depends on what sort of policy you purchase.

Comprehensive policies, which are also known as all perils policies, are popular because of the range of perils they protect against.

Typically, a comprehensive or all perils policy will protect against a wide range of perils, including:

  • Broken windows
  • Electrical current
  • Explosion
  • Falling objects (depending on cause)
  • Fire
  • Hail
  • Lightning
  • Smoke damage (except from your fireplace)
  • Theft
  • Vandalism
  • Water damage
  • Wind damage

What perils won’t property insurance cover in Cambridge?

Even a comprehensive policy can have exclusions for perils such as earthquake, flooding or damage from renters.

To make sure you have the protection you need, ask a broker about home insurance in Cambridge.

One will call you after you’ve used’s free online tool for quotes from 50+ of the best insurance home insurance providers in Cambridge.

What kind of home insurance do you need in Cambridge?

One of the most significant decisions you have to make around affordable home insurance in Cambridge is what coverage type to get. If you’re looking for the most amount of protection for your home and contents, a comprehensive policy is likely a good match for you.

You can add additional coverage for even more protection.

Due to the effects of climate change, we recommend that all homeowners closely consider getting flood protection.

If you’re unsure of what coverage type makes the best sense for you and your home, speak with a broker about how the three main types of home insurance are different: comprehensive, broad and basic.

At, we’ll answer all your questions for free and make recommendations so you can be confident you’ve got the best coverage at the lowest rate.

Start with our free online tool. In three minutes, it’ll reflect to you the current insurance rates for homes in Cambridge.

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

Part of having the best insurance for your home in Cambridge means you’re comfortable with the extent to which your home and its contents are protected.

To save on your overall rate, you can tailor your policy. You’ll pay less for less coverage.

You can also opt to increase your deductible, or change your payment schedule. When you pay up front, rather than monthly, you may be eligible for savings.

What are the best home insurance companies in Cambridge?

The details of a home insurance policy are more important than the brand name of the company that underwrites it.

The best home insurance rates for one Cambridge resident may not be so for another.

The key to getting the best coverage – including rate and carrier – is in making sure the policy you select aligns with your needs.

For example, if you don’t feel strongly that your contents need to be protected, you may not be comfortable paying more for a comprehensive policy when a basic policy will do.

Equally, if you only have a basic policy and your home is damaged by a peril that’s not covered, you’re not going to consider it a good policy.

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

Yes, home insurance is available for condos.

If you’re a renter, you’ll want to get tenant insurance.

The process of securing a policy is the same for each kind of coverage. Start by using to get an insurance quote online for your home in Cambridge.

A broker will contact you to help you customize the policy. You’ll be able to get answers for any question you have about home, condo or tenant insurance.

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