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What our users say:

Based on 505 reviews
September 22
Easy, fast and professional.
I got my home insurance through Lowest rates and had a great experience. Easy, f...
Aubree Campbell
September 22
Was pleasantly surprised by the prompt…
Was pleasantly surprised by the prompt response to my enquiry online. Hope it's ...
Mishu K
August 5
Received a call before I was even…
Received a call before I was even finished submitting information. Super fast se...
Robert Chiasson
August 4
Insurance Premiums
I got all the information I needed with the lowest Auto and Home insurance premi...
joseph almeida
August 4
Great service!
Great service!
Linda RitaOlivier
August 3
They respond very quickly
They respond very quickly. They are very understandable. The representative I sp...
August 2
Quick efficient and very helpful 👌
Quick efficient and very helpful 👌
Khalilulla Razzaque
August 2
Web page was quick and easy to use
July 30
Good experience was pretty quick
Good experience was pretty quick
Grant W.Murray
July 29
The agent was friendly
The agent was friendly, helpful and polite. All in all a good experience.
July 29
Extremely simple
Extremely simple, and fast process.
July 26
excellent, professional service
July 23
Very kind and helpful
Very kind and helpful
April Shannon
July 22
Easy to find easy to use website which…
Easy to find easy to use website which provided me with options.
Randall McLellan
July 22
Excellent service
Excellent service
Sven Zorz
July 21
They were great
They were great
July 21
Excellent pricing
Excellent pricing
pankaj joshi
July 16
I needed a quote for tenant insurance…
I needed a quote for tenant insurance and was able to find an amazing company wh...
Benjamin Bohnsack
July 10
Review for low rates
Lowest rate did send me to the desired rental insurance rates, which I was able ...
JOY cumberbatch
June 18
Fast service
I was on line researching home and auto insurance, at one point I clicked on the...
T. Thompson
May 28
I used lowestrates to find great rates…
I used lowestrates to find great rates for both my car insurance and for renter'...
Alexandre Williot
April 12
This website ( makes…
This website ( makes your decision on which insurance is the les...
Sabah Salih
March 30
every time i use lowest rates i get a…
every time i use lowest rates i get a good deal--so much for loyalty pricing wit...
March 20
Real options to save
Lowest Rates. CA has been extremely helpful I've gone through my ups and downs b...
Amir Isakovic
March 15
Very good.
Very good, and the Rates you have stated is great. Please wait till I see the ba...
Ian Stevens
March 10
Good customer service
Good customer service
Lina Bella
March 4
Awesome and free!
Always use this site to find all types of insurance. I am yet to find better quo...
March 3
Great team and amazing communication…
Great team and amazing communication skills. Very straight forward to get an est...
Andre F MPereira
February 23
Hi your site was easy to use
Hi your site was easy to use . I had no problem to get answers to my questions. ...
Teresa Bourque

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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 much you could be saving on home insurance.

Type of homeLocationPrevious claimsLowest rateAverage rateSaved
Quote from September 29, 2022
Type of home
Detached 928 sq ft
Previous claims
Lowest Rate
Average rate
Quote from September 28, 2022
Type of home
Detached 2,060 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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