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Hail and wind damage insurance: The basics.

It was a dark and stormy night. And you were wondering if your home insurance covers hail damage on your roof. Kidding aside, this is the sort of scenario that you want to avoid. When a storm hits, it’s best to know, rather than have to ask yourself in the middle of the night: does my home insurance cover hail damage?

That’s especially true considering that we know hail and wind damage causes millions of dollars' worth of damage every year in Canada.

Like all things related to your property, try contemplating the worst-case scenarios and then working backwards toward what you think you could – or could not – afford to cover yourself, should disaster strike.

Off the top of your head, do you know whether your homeowners insurance covers hail damage, for example?

The good news is that it probably does, but, you don’t want to be caught off guard if it doesn’t.


Tips on how to get the cheapest hail and wind damage insurance.

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. You can add endorsements for flooding while getting a quote online.

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.

At, we’re confident we can help you find the best coverage at the lowest rate. We’ve helped Canadians save millions of dollars on their insurance costs. Check out our some of our reviews for high risk home insurance to get a sense of how we can help you save.

Factors that determine wind and storm insurance for a home.

Your home insurance policy will be customized to suit your needs and the property you are 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.

Use our free, online tool for a quick and easy comparison of quotes for high risk home insurance.

What does wind damage and hail insurance cover?

Most comprehensive home insurance policies cover hail and wind damage. This includes protection against damage from flying debris as well as falling branches and trees.

In general, damage to the interior of your home will also be covered if the hail or windstorm created the opening. Coverage usually extends to damage caused by water or snow that entered the home ibecause of hail or wind.

If the storm has severely damaged your home, preventing you from returning, a comprehensive home insurance policy will also provide additional living expenses to cover relocation costs.

Many home insurance policies also cover damage to contents. To ease your difficulties following a disaster, it helps to have access to an inventory of your belongings. A spreadsheet will do, or, several apps are available to help you keep track of your belongings before disaster strikes.

Frequently Asked Questions about getting the best home insurance for hail damage.

Who needs hail and wind damage insurance?

Some parts of Canada are more prone to hail, windstorms and tornadoes. For example, if you live in Southern Ontario, Southern Quebec, Atlantic Canada or the Prairies, it makes sense that you prepare for the possibility of such a storm hitting your community. 

Home insurance covers hail and wind damage in almost all situations. For example, if hail hits, your home insurance will likely protect you. When it comes to home insurance for hail in Canada, an analysis by the Institute for Catastrophic Loss Reduction reflects that Alberta is the province most susceptible to hailstorms. There, hailstorms damage houses as often as they damage vehicles.

Similarly, if a massive windstorm sweeps through your community and leaves a trail of destruction in its wake – think toppled tree branches, roofs peeled off like a tin can — that’s the kind of damage that would also be covered by most comprehensive home insurance.

Regardless of where you live, don’t be lulled into a state of complacency. We recommend that you read the fine print of your policy so you don’t encounter any surprises when it comes time to make a claim. Take the time to confirm how extensive your home insurance coverage for hail and wind damage is.

How much is hail and wind insurance?

Since the cost of insuring against a range of perils is folded into most comprehensive homeowners policies, it may be tricky to determine precisely how much hail and wind insurance costs. Many providers consider coverage for these perils to be part of the overall package.

Many factors go into determining its cost. For example:

  • The size of the home matters
  • Where it’s located — in this case, if you live in an area that is prone to windstorms, the home insurance provider will take note of that
  • The contents of the home
  • Its state of repair, such as the age of the roof, will also be factors that the insurer takes into consideration

For homeowners based in an area where windstorms are common, it’s possible that an insurance provider will exclude coverage from your home insurance for incidents like wind damage to your roof or fence.

Some home insurance providers may have a separate wind or hail deductible, which is as it sounds: a deductible that applies directly to wind or hail damage. It may be higher and appear as a percentage of the value of your property.

Which are the best companies for hail and wind insurance?

That will depend on what coverage you need and what kind of premiums you are looking to pay. We will connect you with several providers so that you can assess the options.

Most homeowners insurance is likely to cover roof damage from wind but it does make sense to clarify coverage details with your provider.

This is especially easy to do when you’re shopping for a new policy. Use our free, online tool to get quotes from dozens of the best insurance providers in the country. Next, you’ll be able to connect with a broker who can review the policy details and answer any questions you have about hail and wind protection, or any other detail of your coverage.

How do you get reasonable premiums on hail and wind insurance?

Shopping around for the best rate is the single most effective way to reduce your insurance costs.

You may also be able to find savings by bundling your home insurance with your car insurance.

Other things you can do to protect your property as much as possible from wind or hail damage and reduce a home insurance claim, have to do with prevention.

They include:

  • Removing weak branches or trees from your property
  • Putting your vehicle in a garage if there is a storm warning
  • Installing equipment that protects your electronics against a surge if lightning hits nearby power lines
  • Installing protectors on your windows to reduce the chances of them shattering from hail or other flying debris

The cost of your home insurance for hail damage or homeowners insurance for wind damage will also depend on the deductible that you agree to. Deductibles are one of the main ways that you can reduce your monthly premiums on home insurance for a windstorm, but it means that you will have to pay more if the gusts turn wicked and leave a trail of destruction behind them.

Finally, it’s ideal if you can keep your home in a good state of repair. Even though home insurance covers roof wind damage, who wants to go through the pain of having to replace a damaged roof. If there is something else you could have done to prevent that, you’ll be kicking yourself for that missed opportunity later.

What other factors contribute to hail and wind insurance rates?

The main factors that will contribute to home insurance premiums are the location of your home and its condition.

In some provinces, a good credit score can lead to a reduction in your premiums. Though, the reverse is not true: your premium cannot be increased due to a bad credit score.

How can can help find the best rate for hail and wind insurance?

Use our online quote tool to get quotes from dozens of the best insurance providers in Canada. In addition to helping you secure a rate, a broker is immediately available over the phone to answer any questions.

Our quoter is fast, easy to use and is free.

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*Shoppers in Canada who obtained a home insurance quote on from January to December 2023 saved an average of 32% 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 condo and tenant insurance.