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September 22
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I got my home insurance through Lowest rates and had a great experience. Easy, f...
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September 22
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August 2
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July 30
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July 29
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July 22
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July 21
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July 21
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March 30
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March 15
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March 10
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March 4
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When you find the best quote, secure your Guelph home insurance rate by talking to a licensed broker or agent.

Finding affordable home Insurance in Guelph.

Cities like Guelph are among the fastest growing in Ontario as more and more Canadians prioritize quality of life and affordable housing.

While those who settle just beyond the borders of the Greater Toronto Area often enjoy more living space at a lower cost than in the downtown core, managing expenses remains important.

Afterall, why pay more for recurring expenses like home insurance if you don’t have to?

That’s where LowestRates.ca comes in: we’ve simplified how you can find and secure the best coverage at the lowest rate.

To get affordable insurance for your home in Guelph, use our free online quote tool to compare rates from 50+ of the best providers in Canada.

Outline of a house. Illustration.

See how much you could be saving on home insurance.

Type of homeLocationPrevious claimsLowest rateAverage rateSaved
Quote from September 30, 2022
Type of home
Townhouse 2,481 sq ft
Location
Guelph
Previous claims
None
Lowest Rate
$77/mth
$922/yr
Average rate
$126/mth
$1,506/yr
Saved
$49/mth
39.00%
Quote from September 28, 2022
Type of home
Detached 1,487 sq ft
Location
Guelph
Previous claims
None
Lowest Rate
$108/mth
$1,301/yr
Average rate
$157/mth
$1,879/yr
Saved
$48/mth
31.00%
 

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

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 quote for home insurance in Guelph.

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.

  • 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 Guelph, answered.

How much is home insurance in Guelph?

Home insurance prices in Guelph vary considerably depending on a range of factors, including: coverage type, and amount, the location of the home, the property type and the policyholder.

As a result of how many factors influence rates, it’s almost impossible to reflect an average insurance cost for homes in Guelph, or anywhere.

To get the best rate for home insurance in Guelph, we recommend that you use our free, online tool to get quotes from 50+ of the best insurance companies in Canada.

From there, you’ll be able to connect with a broker to discuss the details of any policy and, ultimately, to secure the best coverage at the lowest rate.

What perils are specific to Guelph?

As the effects of climate change become more pronounced across Canada, we recommend that every homeowner look closely at adding flood coverage to their policies.

A river system runs through downtown Guelph. Depending on where your home is situated, consider learning more about what sort of flood insurance you should get.

Speak with a broker to learn more about the different options. From sewer back-up coverage to overland and tidal flooding – you’ll want to make sure that you have the protection that makes sense for your home and its location.

What perils won’t property insurance cover in Guelph?

Different home insurance policies have different limits on what’s covered. For example, a basic policy will protect against specified perils to the home and against specified perils for its contents. This is less coverage than a comprehensive policy which will protect against all perils to their home and contents.

Regardless of what policy type you have, it may contain exclusions – perils which are not covered. Earthquake, existing damage and flooding are common exclusions.

For adequate protection, we recommend that you purchase additional coverage.

What type of insurance coverage does a home in Guelph require?

Figuring out what sort of home insurance coverage to get is a choice for each homeowner.

One of the most important considerations is around how much protection you’re comfortable with.

For example, if you’re content with a less expensive policy that will only protect your home from specific perils and won’t protect your contents, a basic policy will serve you well.

On the other hand, if you prefer to know your home and its contents will be protected against a range of perils then a comprehensive policy is likely a good option for you.

What are the best insurance companies for homes in Guelph?

There’s no single home insurance provider that’s best for Guelph residents.

When you comparison shop using our free, online quote tool, more than 50 insurance companies can compete for your business by offering you their best insurance rates for a home in Guelph.

They’ll propose a rate based on information you share about the property, its location, the coverage itself and you as a policyholder.

So many factors are considered that no two homeowners are likely to secure the same rate – even if they live side-by-side in identical homes.

What can I do to save on insurance premiums in Guelph?

When comparing your current home insurance rates to others in Guelph, you’ll discover many ways to save.

Speaking with a broker after you receive your free online insurance quotes for a home in Guelph is a good way to gain insights on any available discounts as well as savings tactics.

In general, homeowners can reduce their insurance costs by the following means:

  • Bundle insurance policies so that each is held with one carrier.
  • Establish and maintain a good credit score. In some provinces, carriers can consider credit scores when determining rates.
  • Get a home inspection to verify the condition of the home when it’s first insured.
  • Increase the deductible.
  • Install a burglar alarm.
  • Limit the volume of insurance claims.
  • Mitigate potential risks within a home by installing a CO2 monitor, smoke detector and sprinkler system.
  • Update the home so that it’s as resistant to disaster as possible.

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

The same coverage types are available, regardless of what type of property in Guelph you’re insuring.

In other words, it doesn’t matter if you live in a home, townhouse or condo, you’re likely to end up with either a comprehensive, broad or basic policy.

If you’re insuring a condo, be aware of the limits of your condo association’s policy. Make sure your unit and its contents are sufficiently protected by your own policy.

If you’re a renter, know that any policy your landlord has is not likely to protect your apartment and its contents.

When you’re looking for ways to reduce your insurance premiums for a home in Guelph, don't overlook the long-term value of additional coverage for flooding protection. Your premium may go up, but the protection will be worth it if there is a flood.

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