Compare the best home insurance quotes in Pickering for free

Save up to 30% on Pickering home insurance premiums with LowestRates.ca.

Get quotes from 50+ Canadian providers in 3 minutes.

Compare rates from Canada's leading home insurance providers

23,678 Canadians

have compared rates and saved money over the last 24 hours

What our users say:

July 19
Shopping the insurance market
Friendly professional service.
Harold Brassard
July 18
Responsive helpful
Very helpful thank you
Karel Ferenc
July 17
Great Customer service
I was very happy and please with the outcome of the call, all my questions were ...
Santo
July 17
Insurance
Great service. Great insurance rates
Aqeel Ahmad
July 17
Quick and easy
Quick and easy. Very helpful broker
Peter Deeprose
July 17
Very knowledgeable and helpful sales…
Very knowledgeable and helpful sales staff.
Lisa Rucha
July 17
Mark was very informative and not…
Mark was very informative and not pushy. He was very helpful and I appreciate it...
Brenda Hanzuk
July 16
Super helpful
Super helpful, quick and easy!
Mandy J
July 12
Excellent service
The lowest rates agent called me right after I finished the initial question and...
D-Glenn Surgenor
July 11
Professional all the way!
They were able to find the right coverage at the right price in a short time. P...
Jeff
July 10
PAFCO
JADAN M from Scoop is great!
Otnell Lewis
July 10
I was contacted by a broker who offered…
I was contacted by a broker who offered me home and automobile insurance at a mu...
James Mercer
July 7
Best price
It’s fast and easy to get home insurance
Alem Ahbte
July 7
The name says it all
The name says it all, lowest rates available and very professional service. 5 st...
Adam Koester
July 5
The service I received today 7/4/24 was…
The service I received today 7/4/24 was amazing and swift.
MARIO CLARKE
July 3
Quick results
Quick results, connected with a company in no time at all. Ended up doing busine...
Paul in Calgary
July 2
Prompt reply
Fare and competitive rate
Obaid Khan
June 29
Savings
Saved me $300 a year
Eric Buls
June 29
Amazing service
Amazing service, very quick response and helpful staff
Abdo Antoun
June 28
There was an instant offer and then…
There was an instant offer and then quick follow up.
Dcghelani
June 28
The people I was dealing with were…
The people I was dealing with were knowledgeable and very helpful
Evgenia

How comparing home insurance quotes works. Hint: it’s free!

Compare

Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.

Save

When you find the best quote, secure your Toronto home insurance rate by talking to a licensed broker or agent.

Get the best home insurance rates in Pickering.

Shopping for the lowest price on home insurance can be a hassle. Luckily, it doesn’t have to be. Here, you can easily compare home insurance quotes in Pickering from the city’s top providers. We help you find the best deal on the coverage you need without hours of research.

To find the best rates on your coverage, you’ll need to request personalized quotes from multiple insurance providers. With our free quote tool, you enter your information once and let us do the rest. You’ll receive current home insurance rates in Pickering from 50+ reputable providers. This makes pinpointing the best deal fast and simple.

Need more information about home insurance before you shop? We can help with that, too. On this page, we’ll give you insights into how insurance providers assess risk and set their premiums, and break down what home insurance covers. We also offer helpful tips to save on your coverage.

When you’re ready to compare rates, click the “Get Started” button above. We’ll find you affordable insurance for your Pickering home, in a flash.

Outline of a house. Illustration.

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

Type of homeLocationPrevious claimsLowest rateAverage rateSaved
Quote from July 16, 2024
Type of home
Townhouse 1,000 sq ft
Location
Pickering
Previous claims
None
Lowest Rate
$69/mth
$823/yr
Average rate
$101/mth
$1,209/yr
Saved
$32/mth
$384/yr (32.00%)
Quote from July 16, 2024
Type of home
Townhouse 1,603 sq ft
Location
Pickering
Previous claims
None
Lowest Rate
$56/mth
$673/yr
Average rate
$79/mth
$944/yr
Saved
$23/mth
$276/yr (29.00%)
Quote from July 16, 2024
Type of home
Townhouse 1,732 sq ft
Location
Pickering
Previous claims
None
Lowest Rate
$160/mth
$1,924/yr
Average rate
$313/mth
$3,753/yr
Saved
$152/mth
$1,824/yr (49.00%)
Home insurance quotes are compared from CAA, Dominion Insurance, Economical Insurance, Gore Mutual, Max Insurance, Pembridge, SGI, Square One Insurance, and Wawanesa Insurance.
 

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

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 Pickering.

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.

Learn more about home insurance in Pickering.

You know home insurance is an important way to protect yourself from financial risk. Let’s break down some other fundamentals of home insurance every savvy shopper should know.

While the government requires you to purchase auto insurance if you want to drive a car, homeowners insurance is entirely optional. In Canada, there’s no law requiring it. However, most homeowners feel it’s well worth it to protect their investment from common risks.

Condo owners and renters can also protect themselves from risks linked to their homes with other home insurance products made just for them: condo insurance and tenant insurance.

Each of these types of home insurance protect the policy holder from liability if someone is hurt or killed during a visit or has their property damaged.

If your home is damaged by a covered peril, your home insurance will provide for additional living expenses if you have to move out while repairs are made.

Your home insurance will also cover the contents of your home — personal belongings like furniture and clothing. And if you own your home, your home insurance will cover materials and labour to make needed repairs.

Home insurance is meant to guard against the risk of sudden, unexpected losses. This means accidents like a tree crashing through the roof or a vehicle collision or lightning strike.

Ordinary maintenance is not covered by home insurance. Damage that’s caused by poor upkeep is also excluded. For instance, if your roof is caving in because it’s beyond its expected lifespan, water damage during a rainstorm won’t be covered. For homeowners and condo owners, it’s important to keep up with repair needs to avoid uninsured damage.

Ready to compare home insurance rates in Pickering?

We ease the shopping process for home insurance, making it convenient to find affordable rates on the coverage you need.

Just choose which home insurance product you’re looking for in our online quote tool above and click “Get Started.”

It’s fast and free to use. You’ll get quotes from top Pickering home insurance providers in a snap.

Your questions about homeowners insurance in Pickering, answered.

How much is home insurance in Pickering?

This question sounds simple, and we wish it had a simple answer. However, home insurance is customized to each homeowner and property, so many factors go into determining your premium price.

This is why the average cost of Pickering home insurance won’t tell you much about your own premium prices. Home insurance prices in Pickering reflect more than the location of a property within the city.

Other important factors include how much coverage you want and your budget, and the distinct characteristics of your home, like the age of its roof, the kind of materials used in its construction, and its distance from the nearest fire hydrant.

There’s only one way to know how much you’ll pay for home insurance: requesting personalized quotes from several providers.

Fortunately, we make it quick and easy to get home insurance estimates for your Pickering property, using our free online quote tool.

Just provide key details about your home and coverage requirements and you’ll receive customized quotes from leading Pickering home insurance providers in minutes.

Use our online rate comparison tool at the top of the page to get started. And, it’s free.

What perils are specific to Pickering?

Pickering’s location on the shore of Lake Ontario makes it appealing to many homeowners. Unfortunately, this also comes with an increased flood risk.

Homeowners should know that typical home insurance policies exclude flood damage and losses from sewer back-up, which often go hand in hand.

If you want protection against these risks, you’ll need to buy separate insurance coverage, available through most home insurance providers.

What perils does home insurance cover in Pickering?

Pickering home insurance coverage protects you against these common perils, or risks:

  • Fire, lightning and explosion.
  • Electrical surges and currents.
  • Smoke damage (not from your fireplace).
  • Hail, wind and other severe weather.
  • Certain kinds of water damage.
  • Broken windows.
  • Falling objects (such as trees).
  • Vehicle and aircraft collisions.
  • Theft and vandalism.

What perils won’t property insurance cover in Pickering?

Pickering home insurance comes with typical exclusions, like home insurance policies across Canada.

Damage from these perils is usually not covered:

  • Flooding.
  • Sewer back-up.
  • Earth movements like earthquakes, avalanches and landslides.
  • Insect, rodent and other pest activity.
  • Freezing that occurs outdoors.
  • Frozen plumbing inside your home.
  • Vacancy.
  • Criminal activity.
  • Nuclear disaster, terrorism and war.

For some of these perils, insurance providers commonly offer optional coverage, either as an add-on to your home insurance or as a standalone product.

Ask your home insurance provider if you’re interested in coverage for flooding, sewer back-up and earthquakes.

What kind of home insurance do you need in Pickering?

The best home insurance in Pickering is a policy that gives you the protection you want at a price that fits your budget. Homeowners differ in their coverage needs and risk tolerance, so it’s possible your neighbour’s best home insurance option in Pickering is not a great match for you and vice versa.

Most insurance providers have different coverage level offerings, ranging from basic to broad to comprehensive home insurance.

Basic policies provide protection against common risks at the most affordable rates, so if you’re looking for the cheapest Pickering home insurance option, this type of policy may serve you best.

Broad policies offer a stronger level of protection for damage to your home, with higher premium prices.

Comprehensive home insurance offers the most robust protection for both your home and its contents, for homeowners unconcerned with higher premium costs.

Many insurance providers also offer optional additional for particular needs, like especially valuable personal items, or perils not covered by standard home insurance, such as flooding and earthquakes.

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

To lower your Pickering home insurance premiums, the most essential thing you can do is shop around for coverage. Insurance providers vary in how they set their rates, so you may be able to save by going with one company’s offering over another, even for similar coverage.

Another important step you can take is being informed about your coverage selections. Knowing what level of coverage you want will help ensure you don’t pay for any extras.

To further lower your Pickering home insurance cost, ask your provider what you can do to earn a discount. Insurance companies often have discounts available for these situations:

  • Homes with advanced security features, like monitored alarm systems.
  • Homes that are new construction.
  • Homeowners who are seniors, non-smokers or employees or retirees of certain organizations.
  • Homeowners who bundle different coverage types with the same provider, such as home and auto insurance, or who have long been loyal customers.

A final option is to consider raising your deductible. This may be a good choice for homeowners who have enough savings to cover the deductible amount in case of a claim. Opting for a higher insurance deductible will lower your premiums.

What are the best home insurance companies in Pickering?

Pickering homeowners are fortunate to have numerous well-regarded insurance providers operating in the local market.

Because needs and budgets vary among homeowners, no one provider is likely to be the ideal fit for everyone seeking home insurance in Pickering.

It’s most important to find a policy that’s well-matched to your coverage needs. From there, you can compare offerings from different home insurance companies in Pickering to find the best value.

LowestRates.ca streamlines this process, making comparison shopping efficient.

We offer the insights you need on home insurance, to help you choose the right product. When you’re ready to shop, use our online quote tool at the top of this page.

A licensed Pickering home insurance broker will reach out to you to answer your questions and lock in the lowest rate on your coverage.

Every home insurance provider we work with has been screened to ensure they are reliable and reputable.

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

Yes. Whether you need insurance for your Pickering house, condo or rental unit, it’s easy to buy coverage online, here.

We partner with the top insurance providers to offer the full suite of home insurance products in your area: Pickering homeowners insurance, condo insurance and tenant insurance.

Each type of coverage is designed just for that dwelling type, so you get the right protection for your home.

To get a an insurance quote online for your Pickering home, just let us know what type of insurance you need. Choose from homeowner, condo owner or tenant in our quote tool at the top of this page. Then click “Get Started.”

Home insurance news

Read More Like This

*Shoppers in Ontario who obtained a home insurance quote on LowestRates.ca from January to December 2023 saved an average of 30%. 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 LowestRates.ca. Excludes tenant and condo insurance.