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What our users say:

April 22
Your agent Nathan was amazing and so…
Your agent Nathan was amazing and so helpful.
Alecia O'Brien
April 20
They took some basic information and…
They took some basic information and had me connected to a broker within minutes...
Jennifer Maybue
April 19
Prompt response
Prompt response. Good info to make a decision. Helpfull that info was sent to ...
Margaret Bird
April 19
Sean was easy to talk too and very…
Sean was easy to talk too and very informative.
April 19
Good job
The staff was helpful and knew what were doing.
Franziska Pedersen
April 18
Francesco he is a very helpful…
Francesco he is a very helpful gentleman, and I’m happy with the discounts tha...
April 18
I was connected with Ryan
I was connected with Ryan, who was patient in listening to my car insurance frus...
Betty Weintraub
April 17
Good pricing
Pleasant broker and helpful
April 17
filled out form online less than 5mins…
filled out form online less than 5mins called right away and setup call with bro...
April 16
The Agent was very kind and helpful!
The Agent was very kind and helpful!
Istvan Kiraly
April 16
Great customer care she is good 👍
Great customer care she is good 👍
Anthony Odia
April 15
Simple and clear!!
Fast response ! Friendly knowledgeable staff!
Kent Fewer
April 15
great rep provided all the information…
great rep provided all the information I needed to make an informed choice
April 12
After I got the quotes somebody…
After I got the quotes somebody followed up with me and put me trough with an ag...
Stefan Ciucas
April 12
fast responce
fast responce, great people to talk to explaining everything, What a Great web s...
Larry Rowthorn
April 9
Very helpful advice and great overall…
Very helpful advice and great overall service.
April 6
Easy to deal with and very helpful
Very easy, good use of technology and customer follow up was awesome
Steve Miller
April 6
Easy and friendly process.
Easy and friendly process.
April 5
So good service ,,
So good service ,,, Tammy service me so so good
Son Nguyen

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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 April 22, 2024
Type of home
Detached 918 sq ft
Previous claims
Lowest Rate
Average rate
$804/yr (52.00%)
Quote from April 19, 2024
Type of home
Townhouse 1,629 sq ft
Previous claims
Lowest Rate
Average rate
$312/yr (29.00%)
Quote from April 19, 2024
Type of home
Detached 1,451 sq ft
Previous claims
Lowest Rate
Average rate
$216/yr (20.00%)
Home insurance quotes are compared from CAA, Dominion Insurance, Economical Insurance, Gore Mutual, Max Insurance, Pembridge, SGI, Square One Insurance, and Wawanesa Insurance.

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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*Shoppers in Ontario who obtained a home insurance quote on from January to December 2023 saved an average of 30%. The average savings percentage represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by Excludes tenant and condo insurance.