How does co-op housing work in Canada?
Co-op housing is unique and distinct from all other forms of housing, so much so that it's even got its own legislat...
Save up to 30% on Whitby home insurance premiums with LowestRates.ca.
Get 50+ quotes in 3 minutes.
Compare rates from Canada's leading home insurance providers
have compared rates and saved money over the last 24 hours
First, we need to know about you and your home. It only takes 3 minutes, and it’s 100% confidential.
Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.
When you find the best quote, secure your Whitby home insurance rate by talking to a licensed broker or agent.
Are you searching for a great price on Whitby home insurance? LowestRates.ca 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.
LowestRates.ca simplifies the process of shopping the market, so you can get great home insurance coverage at a great rate with no hassle.
See how our customers in Whitby save big on home insurance.
Type of home | Location | Previous claims | Lowest rate | Average rate | Saved |
---|---|---|---|---|---|
Quote from November 09, 2024 Type of home Semi-detached 1,749 sq ft | Location Whitby | Previous claims None | Lowest Rate $80/mth $960/yr | Average rate $111/mth $1,329/yr | Saved $31/mth $372/yr (28.00%) |
Quote from November 08, 2024 Type of home Detached 2,150 sq ft | Location Whitby | Previous claims None | Lowest Rate $90/mth $1,075/yr | Average rate $139/mth $1,669/yr | Saved $50/mth $600/yr (36.00%) |
Quote from November 07, 2024 Type of home Detached 1,978 sq ft | Location Whitby | Previous claims None | Lowest Rate $84/mth $1,002/yr | Average rate $113/mth $1,355/yr | Saved $29/mth $348/yr (26.00%) |
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.
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, LowestRates.ca makes this process easy. Just use our fast, free online tool to compare home insurance quotes in 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.
Home insurance coverage in Whitby usually protects against losses from these perils:
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.
Most home insurance providers in Whitby exclude certain types of damage. Typical exclusions are:
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.
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.
Want to get the cheapest home insurance in Whitby? Here are a few ways to save on your premiums:
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 LowestRates.ca. 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.
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 LowestRates.ca.
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.
Co-op housing is unique and distinct from all other forms of housing, so much so that it's even got its own legislat...
This article has been updated from a previous version. Robert’s insurance nightmare began on a storm...
*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.