Compare the best home insurance quotes in Chatham for free.

On average, Chatham homeowners save hundreds of dollars per year by comparing quotes with us.

Get quotes from 50+ Canadian providers in 3 minutes.

Compare rates from Canada's leading home insurance providers

29,037 Canadians

have compared rates and saved money over the last 24 hours

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 Toronto home insurance rate by talking to a licensed broker or agent.

Get the best price on home insurance in Chatham.

Owning a home is a huge financial commitment, so a great home insurance policy is essential. Protecting your investment against common risks is a smart move for your budget and your peace of mind.

Getting the best rates for the Chatham home insurance coverage you need? That’s even better.

With, you can get a Chatham home insurance quote online, in less than three minutes. We work with all the leading insurance providers in Canada, so comparing rates is effortless. Just tell us a few details about your coverage needs, and we’ll show you current home insurance rates in Chatham. With our online quote tool you can find the lowest price on the coverage you need without breaking a sweat.

Want to learn more about home insurance before you compare rates? On this page, we’ll break down the basics of home insurance so you know how policies work and what to expect.

When you’re ready to shop, simply enter a few key details about your coverage needs above. We’ll find you the cheapest home insurance Chatham that offers the protection you want for you and your home.

Outline of a house. Illustration.

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

Type of homeLocationPrevious claimsLowest rateAverage rateSaved
Quote from June 03, 2023
Type of home
Detached 1,633 sq ft
Previous claims
Lowest Rate
Average rate
Quote from June 03, 2023
Type of home
Detached 1,610 sq ft
Previous claims
Lowest Rate
Average rate

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

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 — now that should always be the goal.

Factors that determine your home insurance quote in Chatham.

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.

What Chatham home insurance covers.

Home insurance policies typically combine a few different elements to provide the financial protection homeowners need. Here’s a breakdown of common coverage types included with a home insurance policy:

Ready to find affordable home insurance in Chatham? Enter a few details about your coverage needs into’s fast, free online quote tool. You’ll get personalized quotes from leading insurance providers in a flash.

Your questions about homeowners insurance in Chatham, answered.

How much is home insurance in Chatham?

Insurance policies are always customized to your specific property and coverage preferences. To find out how much your premiums will cost, you’ll need to request personalized home insurance estimates for your Chatham home.

Insurance providers use many individual factors to set your rates, so the average Chatham home insurance cost may not be a useful guide to what you’ll pay.

The location of your home is just one factor. Others include the size of your property, the quality of its materials, your insurance claims record and how accessible your home is by a fire department. makes getting a customized home insurance quote fast and easy. Just input a few details about your home and coverage needs into our online quote tool to get started.

What perils are specific to Chatham?

Chatham’s proximity to water — Lake Erie, Lake St. Clair and the Thames River, which flows through it — make flooding a concern for the city’s homeowners.

Most home insurance policies don’t cover flood damage or sewage backup, which often occurs during flooding. However, homeowners can choose to add special coverage to protect against these perils. Most insurance providers offer these coverage types as optional add-ons.

Ask your insurance company for detailed information about their flood damage protection. Different types of flood insurance cover different things.

What perils does home insurance cover in Chatham?

Perils refer to causes of damage, such as fire, vehicle collisions, vandalism and flooding. Home insurance coverage in Chatham and elsewhere commonly includes these perils:

  • Fire
  • Lightning strikes
  • Smoke (from sources other than a fireplace)
  • Electrical surges or currents
  • Explosions
  • Broken windows
  • Vehicle and aircraft collisions
  • Falling objects (like tree branches)
  • Theft
  • Vandalism
  • Wind, hail and other severe weather
  • Water damage from specific causes (for flooding and sewer back-up, you usually need to buy additional coverage)

What perils won’t property insurance cover in Chatham?

Most home insurance policies have exclusions, or certain kinds of damage they won’t cover. Here are commonly excluded perils:

  • Earth movements (earthquakes, landslides, avalanches)
  • Flooding and sewer back-up
  • Pests like insects and wildlife
  • Frozen indoor plumbing
  • Freezing outside your home
  • War and terrorism
  • Criminal behaviour
  • Vacancies
  • Commercial activity
  • Rentals, including home-sharing

Home insurance companies often provide coverage for flooding, sewer back-up and earthquakes as optional add-ons. If you want protection from these perils, ask your insurance provider what they offer.

If you use your home for business activities or rent it out, your home insurance provider may have specialized policies to cover you.

Ask your home insurance provider about their rules for covering your property during a vacancy. Depending on how long you are away, you may need to take certain steps to ensure your home remains covered under your policy.

What kind of home insurance do you need in Chatham?

Home insurance providers in Chatham offer a range of coverage levels to meet different homeowner needs and preferences. The types and levels of home insurance coverage you need depend on your risk tolerance, your financial circumstances and some other individual factors.

“All-risk” coverage, also called comprehensive insurance, provides the most protection, with higher premiums to match. This type of insurance covers you for all perils except those named as exclusions in your policy.

Policies labelled as “broad” coverage usually provide strong protection for your home but a lower level of protection for your personal belongings, appliances and furniture, referred to as your home’s contents.

Basic home insurance or a “named perils” policy covers you only for perils specifically listed in your coverage documents. Premiums for these policies are lower than for higher-coverage options.

Whatever level of coverage you choose, your home insurance provider may offer optional add-on coverage types to serve specific needs, such as a valuable art or wine collection, or protection against flooding or earthquakes.

Be sure to ask questions to understand what your home insurance covers and what it doesn’t. When you get a quote from, a licensed Chatham home insurance broker will connect with you to help you get the coverage that best matches your needs and your budget.

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

If you want to save on your home insurance rates in Chatham, you’re already on your way. Being an informed consumer when it comes to buying coverage is the first step to getting the right policy, at the right price.

Shopping around to compare rates is also essential, and can help. Just use our online quote tool to get customized quotes from leading home insurance providers in Chatham, quickly and conveniently.

Here are some additional ways to save on your home insurance:

  • Bundle your coverage – Combining multiple insurance types, like home and auto, with the same provider will often earn you a discount.
  • Ask for discounts – Insurance companies commonly offer discounts for membership in alumni organizations, employees or retirees of participating companies, and for seniors, non-smokers and customer loyalty. Ask what discounts your provider offers to find out if you qualify.
  • Invest in home security – Adding certain equipment to improve your home’s safety and security may earn you lower insurance premiums. Ask your insurance provider what gear may qualify.
  • Pay your premiums annually – Some insurance companies will discount your premium amount if you agree to pay for a year’s coverage all at once, rather than monthly.
  • Consider increasing your deductible – Having a higher deductible will generally lower your premiums. Just be sure to keep the deductible amount within your budget, so you can cover the cost in case of a claim.

What are the best home insurance companies in Chatham?

There isn’t one company or policy that offers the best match for every homeowner. Instead, to find the best home insurance in Chatham for your property and budget, you’ll need to identify your coverage needs, then search for a great rate.

Learning about how home insurance works and identifying the types and levels of coverage you need is the best way to ensure you’re getting the right coverage.

From there, using makes comparison shopping a breeze. Just use our convenient online quote tool. Enter your information once and we’ll show you personalized Chatham home insurance quotes, making it simple to find the best price.

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

Yes. Whatever type of coverage you need, can help you find the best product at the lowest price. Whether you need insurance for your house in Chatham, condo or rental home, we’ll connect you with leading insurance providers serving your market. works with all the top insurance providers offering tenant insurance, condo insurance and homeowners insurance across Canada. We make finding home insurance easy, whatever kind of home you live in.

Just use our fast, free online quote tool above to get started on your personalized estimate.

Home insurance news

Read More Like This