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What our users say:

Based on 336 reviews
August 31
very quick and reliable rates
very quick and reliable rates
Tracie N
August 15
Don’t hesitate to move your policy
My rates went up again with my current insurance even though I have barely drive...
August 12
I can’t believe how quickly I am…
I can’t believe how quickly I am getting email responses. Very happy with this...
July 25
Awesome 👍😎
Awesome 👍😎
Joshua Leong
July 15
Auto Insurance
I was looking for an insurance rate that would help me save money, I did a Googl...
Louise Beaton
July 1
excellent service
excellent service
An Luu
June 22
Highly recommended
Excellent customer service. Was very patient and answer my customers toughly. Fo...
Karan Parmar
June 18
Chelsea was very helpful
Chelsea was very helpful, answered all my questions and set me up hassle free. S...
June 14
its the easiest thing in the world to…
its the easiest thing in the world to find insuance that isn't going to burn the...
ann watson
June 11
Very nice broker
Very nice broker. Good service. Found a great deal.
Meredith Berggren
June 5
Awesome work
wow what an awesome rep. He did up everything, extremely fast and was very under...
Delroy Paul
June 4
It was a pleasure dealing with your…
It was a pleasure dealing with your broker, it made switching insurance companie...
Michael Sheridan
May 26
Quick service
Quick service, good price
May 22
Imad Harrouk was great !
Imad Harrouk was great ! intelligent well spoken professional polite a perso...
james bannon
May 21
Imad Harrouk helped me get the best…
Imad Harrouk helped me get the best home and auto bundle insurance quote. He was...
Amanda Moskowitz
May 20
Excellent !!! Very competitive rates !!
Excellent customer services also they have very competitive rates !!
Eliza Gallant
May 18
I was treated fairly and walked through…
I was treated fairly and walked through my purchase.I enjoyed the agent was exce...
paul neville
May 14
Highly recommend
Great experience, simple to use and they gave me a lot of options at prices that...
Chandra Wilson
May 11
Easy, clear and fast. Very effective.
Rene Izquierdo de la Cruz
May 6
Sonia was very helpful and nice…
Sonia was very helpful and nice throughout the whole process. She got me the bes...
Ali Al-Rubayee

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Next, we’ll show you quotes from 75+ 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 75+ quotes for home insurance in Cambridge with our free online tool.

Outline of a house. Illustration.

See how much you could be saving on home insurance.

Type of homeLocationPrevious claimsLowest rateAverage rateSaved
Quote from September 23, 2021
Type of home
Townhouse 1,345 sq ft
Previous claims
Lowest Rate
Average rate
Quote from September 23, 2021
Type of home
Detached 1,231 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 75+ 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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