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September 22
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August 2
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Quick efficient and very helpful 👌
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July 30
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July 29
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July 16
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I was on line researching home and auto insurance, at one point I clicked on the...
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I used lowestrates to find great rates…
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April 12
This website (LowestRates.ca) makes…
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March 30
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March 20
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March 15
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March 10
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March 4
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February 23
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Get current home insurance rates in Sudbury.

Shopping for home insurance can feel stressful. Fortunately, it doesn’t have to be. We offer free Sudbury home insurance quotes online, making it easy to compare the market and find the best rates.

We work with Sudbury’s top insurance providers, and our free online quote tool allows you to get quotes customized to your specific property and coverage needs.

We save you money, and time. You only have to input your information once. It takes just three minutes. You’ll receive quotes from 50+ leading insurance providers, all screened so you can be confident in your coverage options.

Ready to shop? Click “Get Started” above. Or, if you’d like more information about how home insurance works, read on.

On this page, we offer insight into how providers set your rates, tips for reducing your home insurance costs, and essential information about how home insurance protects you from common risks.

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
Detached 572 sq ft
Location
Sudbury
Previous claims
1
Lowest Rate
$93/mth
$1,110/yr
Average rate
$173/mth
$2,079/yr
Saved
$81/mth
47.00%
Quote from September 28, 2022
Type of home
Detached 811 sq ft
Location
Sudbury
Previous claims
None
Lowest Rate
$87/mth
$1,043/yr
Average rate
$130/mth
$1,559/yr
Saved
$43/mth
33.00%
 

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

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 rate 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 Sudbury.

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 Sudbury home insurance.

When you shop for any product, being informed about your options is an advantage.

Here we’ll discuss home insurance fundamentals, so you can get the right coverage and understand how it works.

What’s covered?

First, it’s crucial to understand what home insurance is designed to cover. It’s meant to protect you against common perils, or risks.

Perils are sudden and accidental causes of damage, like a falling tree limb, a lightning strike or a fire. Home insurance is not intended to cover ordinary wear and tear and regular maintenance, which all homes require.

Making timely repairs to your home and replacing worn-out items when needed is essential to protecting it from the elements. If your roof leaks during a rainstorm because the shingles are long past their intended lifespan, then your insurance won’t cover the resulting damage.

Some perils are often excluded from standard home insurance coverage. For instance, earthquakes, floods and sewer backup are usually not covered. For these perils, you may opt for separate insurance coverage or purchase an add-on to your home insurance policy.

Did you know your home insurance policy covers more than just damage to the building? Home insurance policies typically also include personal liability (in case someone is injured or has their property damaged while visiting your home), contents coverage (for your personal belongings) and additional living expenses (in case you need to relocate for a time while repairs are made).

Ready to compare home insurance rates in Sudbury?

Our online quote tool makes shopping for home insurance more convenient.

Input a few details about your coverage needs once. You’ll receive custom home insurance quotes from leading insurance providers for homes in Sudbury, making finding the lowest rate a breeze. Head to the top of this page and click “Get Started.”

Your questions about homeowners insurance in Sudbury, answered.

How much is home insurance in Sudbury?

Home insurance is a personalized product, tailor-made to fit a specific property and the coverage needs and budget of the homeowner.

This means it’s not very useful to know the average home insurance cost in Sudbury. Location is one of many factors that home insurance providers consider when setting your rates. They also take into account other factors that could impact the likely cost of future claims, like how close your home is to a fire hydrant and the quality of construction.

For an accurate home insurance estimate for your Sudbury property, you’ll need to get custom quotes from a variety of insurance providers.

This is also the first step toward finding the cheapest Sudbury home insurance that matches your coverage needs. When you compare rates, it’s easy to pinpoint the best value.

Fortunately, we streamline the process of shopping for home insurance. Just scroll to the top of the page and click “Get Started.”

What perils are specific to Sudbury?

Sudbury homeowners face a risk of spring flooding when melting snow combines with rainfall.

Home insurance policies usually don’t cover flood damage or sewer back-up (which often accompanies flooding). However, if you’d like coverage for these perils, it’s often available as a separate policy or add-on to your home insurance.

As more instances of extreme weather become increasingly common across the country, we recommend that every Canadian consider additional coverage for protection against flooding.

What perils does home insurance cover in Sudbury?

A peril is a risk to your home that’s sudden and unexpected. Home insurance policies specify what is covered and what isn’t by referring to these potential causes of damage.

There are certain perils that most home insurance policies cover. These include:

  • Fire, lightning and explosions.
  • Smoke damage.
  • Electrical surges and currents.
  • Vehicle collisions.
  • Severe weather like wind and hail.
  • Some types of water damage.
  • Broken windows.
  • Falling tree limbs and other objects.
  • Theft and vandalism.

Some perils that aren’t covered by standard home insurance may be covered with special policies or add-ons. For example, many homeowners want coverage for flooding, sewer back-up and earthquakes, and most insurance providers offer optional or additional protection for these perils. In other words, you will only be protected against excluded perils if you add coverage to your policy.

What perils won’t property insurance cover in Sudbury?

Home insurance providers commonly exclude certain perils from their standard coverage. Here are the most frequently excluded perils from home insurance coverage in Sudbury and throughout Canada:

  • Flooding and sewer back-up.
  • Earthquakes, landslides and avalanches.
  • Frozen indoor plumbing.
  • Freezing outdoors on the property.
  • Damage caused by rodents, insects and other wildlife.
  • Vacancy.
  • Damage to stolen property.
  • Damage related to criminal activities.
  • War, terrorism and nuclear risks.

If you’d like insurance for earthquakes, flooding and sewer back-up, these coverage types are often available as separate insurance products or add-ons to your home insurance.

What kind of home insurance do you need in Sudbury?

Insurance providers for homes in Sudbury offer a range of different types and levels of coverage to meet the needs of diverse homeowners.

The best home insurance in Sudbury is a policy that’s a great fit for your individual budget, risk tolerance, and circumstances.

For example, a homeowner with an extensive wine cellar, a grand display of fine art and a collection of luxury watches and jewellery probably needs different coverage than a homeowner without these valuable personal items.

Coverage levels in home insurance are often categorized this way:

  • Comprehensive insurance – This type of policy includes the most protection for both the home and its contents. Comprehensive home insurance usually covers all perils aside from those specifically excluded, so you may hear this called “all risks” insurance.
  • Broad insurance – This type of policy offers similar coverage to comprehensive insurance for the structure, but a lower level of coverage for the home’s contents, like furniture, clothing and other personal items.
  • Basic insurance – This type of policy offers coverage for common risks to the property and its contents named in the policy document (“named perils” coverage).

A great amount of coverage levels come with higher premiums. In addition to these general coverage levels, most insurance providers offer optional add-ons and other coverage types, so you can tailor your insurance to best meet your needs.

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

Some of the factors that go into your home insurance price in Sudbury are fixed — you can’t change them. An example is your home’s location.

However, if you want to find more affordable home insurance in Sudbury, there are a few things you can do to lock in the best rates.

The most important step is to shop around. As with any purchase, it pays to be an educated consumer. Learn about home insurance and determine what kind of coverage you want, so you don’t end up paying for anything unnecessary. Once you know your coverage needs, you can compare options by price. (Hint: LowestRates.ca simplifies shopping for you, by letting you compare the best home insurance rates in Sudbury easily online. Just click “Get Started” at the top of the page).

Here are a few other tips to help you save:

  • Bundle policies – Combining home and auto coverage is a great way to earn a discount from most insurance providers.
  • Check for membership discounts – Large employers, universities and other organizations often have special discount rates with insurance providers.
  • Invest in better home security – Signing up with a monitored alarm service to detect fires and burglaries often wins a discount from home insurance companies. Ask about other home security incentives. Usually only specific equipment or services are eligible.
  • Ask about other incentives – Some insurance providers give discounts to non-smokers, seniors, claims-free customers, or homeowners with a long history of customer loyalty. New homes sometimes get discounted rates as well, so be sure to mention if your home is new construction.

What are the best home insurance companies in Sudbury?

There are a variety of great insurance providers serving the Sudbury market. Providers offer different insurance products and rates, so the best Sudbury home insurance for you may vary from your neighbour, based on different coverage needs, budgets and preferences.

We vet each our home insurance providers carefully, so you can feel secure knowing you’ll be doing business with a reputable company.

To find the right coverage for your needs, learn about how home insurance works and decide what coverage makes sense for you.

Then it’s time to compare the market to find the lowest price on the coverage you need. Simply enter a few details about your property and the kind of coverage you prefer. You’ll receive custom quotes in a snap from all the top providers in your market.

A licensed Sudbury home insurance broker will connect with you to answer any questions and lock in your rate.

Just scroll to the top of the page and click “Get Started.”

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

Yes, whether you need insurance for your Sudbury house, condo or rental unit, we can connect you with the right home insurance product.

Home insurance is categorized by dwelling type, so search for condo insurance or tenant insurance for more information on coverage if your home is a rental or condo.

Just navigate to the top of the page and select from the drop-down menu for Type of Insurance.

Then enter your postal code and click “Get Started.” You’ll receive home insurance quotes customized to your dwelling type and coverage needs in minutes.

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