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Based on 505 reviews
September 22
Easy, fast and professional.
I got my home insurance through Lowest rates and had a great experience. Easy, f...
Aubree Campbell
September 22
Was pleasantly surprised by the prompt…
Was pleasantly surprised by the prompt response to my enquiry online. Hope it's ...
Mishu K
August 5
Received a call before I was even…
Received a call before I was even finished submitting information. Super fast se...
Robert Chiasson
August 4
Insurance Premiums
I got all the information I needed with the lowest Auto and Home insurance premi...
joseph almeida
August 4
Great service!
Great service!
Linda RitaOlivier
August 3
They respond very quickly
They respond very quickly. They are very understandable. The representative I sp...
August 2
Quick efficient and very helpful 👌
Quick efficient and very helpful 👌
Khalilulla Razzaque
August 2
Web page was quick and easy to use
July 30
Good experience was pretty quick
Good experience was pretty quick
Grant W.Murray
July 29
The agent was friendly
The agent was friendly, helpful and polite. All in all a good experience.
July 29
Extremely simple
Extremely simple, and fast process.
July 26
excellent, professional service
July 23
Very kind and helpful
Very kind and helpful
April Shannon
July 22
Easy to find easy to use website which…
Easy to find easy to use website which provided me with options.
Randall McLellan
July 22
Excellent service
Excellent service
Sven Zorz
July 21
They were great
They were great
July 21
Excellent pricing
Excellent pricing
pankaj joshi
July 16
I needed a quote for tenant insurance…
I needed a quote for tenant insurance and was able to find an amazing company wh...
Benjamin Bohnsack
July 10
Review for low rates
Lowest rate did send me to the desired rental insurance rates, which I was able ...
JOY cumberbatch
June 18
Fast service
I was on line researching home and auto insurance, at one point I clicked on the...
T. Thompson
May 28
I used lowestrates to find great rates…
I used lowestrates to find great rates for both my car insurance and for renter'...
Alexandre Williot
April 12
This website ( makes…
This website ( makes your decision on which insurance is the les...
Sabah Salih
March 30
every time i use lowest rates i get a…
every time i use lowest rates i get a good deal--so much for loyalty pricing wit...
March 20
Real options to save
Lowest Rates. CA has been extremely helpful I've gone through my ups and downs b...
Amir Isakovic
March 15
Very good.
Very good, and the Rates you have stated is great. Please wait till I see the ba...
Ian Stevens
March 10
Good customer service
Good customer service
Lina Bella
March 4
Awesome and free!
Always use this site to find all types of insurance. I am yet to find better quo...
March 3
Great team and amazing communication…
Great team and amazing communication skills. Very straight forward to get an est...
Andre F MPereira
February 23
Hi your site was easy to use
Hi your site was easy to use . I had no problem to get answers to my questions. ...
Teresa Bourque

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

How we find you the best home insurance rates in Whitby.

Are you searching for a great price on Whitby home insurance? is here to help. We offer the information you need, including current home insurance rates in Whitby, what is and isn’t typically covered by home insurance, what factors impact your rates and tips to save on your premiums.

With our free quote tool, you only have to enter your information once and you’ll receive multiple Whitby home insurance quotes online, instantly.

When you compare rates and coverage from all the leading providers serving your area, you can be sure you’re getting the most affordable home insurance in Whitby. simplifies the process of shopping the market, so you can get great home insurance coverage at a great rate with no hassle.

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 1,950 sq ft
Previous claims
Lowest Rate
Average rate
Quote from September 28, 2022
Type of home
Detached 2,510 sq ft
Previous claims
Lowest Rate
Average rate

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

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 Whitby.

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.

Your questions about homeowners insurance in Whitby, answered.

How much is home insurance in Whitby?

Because home insurance is a customized product, knowing the average home insurance cost in Whitby won’t actually tell you much about what you’re likely to pay.

Your home insurance premium in Whitby depends on some factors unique to your property and your coverage needs, in addition to your home’s location and you, the policyholder.

To get an accurate estimate for your Whitby home insurance, you’ll need to provide a few details about your home and coverage preferences and request quotes from several providers.

Fortunately, makes this process easy. Just use our fast, free online tool to compare home insurance quotes in Whitby.

What perils are specific to Whitby?

Because of Whitby’s location on the north shore of Lake Ontario, homeowners should consider purchasing additional coverage for flooding.

Flood damage is not usually covered by standard home insurance, including in Whitby.

Insurance providers distinguish between several types of flood-related perils, including overland flooding, tidal flooding and sewage back-up.

If you’d like protection from these perils, consider purchasing add-on coverage to your home insurance policy.

What perils does home insurance cover in Whitby?

Home insurance coverage in Whitby usually protects against losses from these perils:

  • Fire.
  • Lightning strike
  • Explosion
  • Electrical current
  • Smoke (excluding smoke damage from your fireplace)
  • Certain kinds of water damage
  • Wind
  • Hail
  • Vehicle and aircraft collisions
  • Falling objects (with some exceptions, depending on the cause)
  • Theft
  • Vandalism

Flooding, sewer back-up and earthquake damage are typically not included in a standard home insurance policy.

If you’d like protection from these perils, you may be able to buy additional coverage.

What perils won’t property insurance cover in Whitby?

Most home insurance providers in Whitby exclude certain types of damage. Typical exclusions are:

  • Flood damage
  • Earthquakes, landslides and avalanches
  • Freezing of indoor plumbing during the heating season (a risk to vacant seasonal properties in the winter if the plumbing is not turned off and the pipes are not drained)
  • Freezing water outside the home
  • Most damage caused by animals and insects
  • Damage caused by war or terrorism
  • Damage caused by renters
  • Damage during an extended vacancy

You can insure your home against damage from some of these perils, including flooding, earthquakes and ice damming on the roof, by purchasing optional coverage.

If you plan to rent out your home, you’ll need to get landlord insurance, a different type of home insurance product.

What kind of home insurance do you need in Whitby?

The best type of home insurance in Whitby is a policy that fits your coverage needs and budget. Many homeowners prefer a higher level of coverage and feel the higher premiums are worth knowing they’re covered for most types of losses.

For the most protection, a special or comprehensive policy is the best choice. These types of home insurance cover all risks except those that are specifically excluded in the policy.

A broad home insurance policy offers the next-best level of protection and is likely to have lower premiums than a comprehensive policy. Broad home insurance covers your home for damage from all perils except those specifically excluded. It covers your home’s contents for only named perils - causes of damage specifically included in the policy.

A basic policy protects you from losses caused by perils specifically included in your home insurance coverage.

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

Want to get the cheapest home insurance in Whitby? Here are a few ways to save on your premiums:

  • Shop the market – With any product, comparing prices will help you find the best deal available. Once you know what level of coverage you want, be sure to request quotes from several home insurance providers. Tip: makes this easy. Just use our online quote tool to quickly compare rates from top providers serving the Whitby market.
  • Bundle insurance types – Many insurance providers offer incentives for purchasing multiple insurance products. If you need both auto insurance and home insurance, ask your providers if you qualify for a discount by bundling both types of coverage.
  • Strengthen your home’s security – Insurance companies set your rates by trying to predict the size and likelihood of your future claims. The better protected your home is from covered damage, the less likely your insurance company is to have to pay claims in the future. This is why some insurance providers offer discounts for homes with certain equipment or services. These might include monitored fire or burglar alarms, deadbolts on your doors, or carbon monoxide detectors. Once you receive quotes from, a broker will connect with you to complete the purchase. Be sure to ask about discounts for improved home security.
  • Ask about member discounts – Insurance companies often have discounts available for members of certain organizations. Ask about employee, retiree and alumni discounts, plus savings for non-smokers or long-term customer loyalty.
  • Consider a higher deductible. A common way to reduce your Whitby home insurance rates is to raise your policy’s deductible. This means you’d pay more out of pocket on a claim before your coverage kicks in to pay for losses. Just be sure that you have enough savings available to cover your deductible amount.

What are the best home insurance companies in Whitby?

The best home insurance companies in Whitby will depend on your distinct coverage needs, budget and the characteristics of your home.

Home insurance is always customized for the preferences of the homeowner and the unique features of your home, so there’s no “one-size-fits-all” best home insurance provider or policy for everyone. However, it is definitely possible to find the best home insurance coverage for you and your Whitby property.

To find your ideal home insurance option, read up about how home insurance works, decide what type of coverage you prefer and compare rates from a variety of providers to ensure you’re getting the lowest rates available.

Luckily, you can do all of this quickly and conveniently with We provide the insights you need to choose your home insurance with confidence. Plus, our free online quote tool makes it easy to compare rates across the market.

After you receive quotes, a Whitby home insurance broker will connect with you to answer any questions and secure the lowest rate on your coverage.

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

Yes. Regardless of whether you’re searching for house insurance in Whitby or coverage for a different dwelling type like an apartment or condo, you can easily find the right home insurance product on

If you rent, search for tenant insurance to find coverage that best fits your needs.

If you own a condo, be sure to check with your condo association to find out what their insurance policy covers. Typically, a condo association’s coverage protects the building but excludes individual units. Usually, condo owners need to buy separate coverage to protect their unit, personal liability and the contents of their homes.

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