Compare and purchase the best
home insurance rates in Hamilton.

The average cost of home insurance in Hamilton ranges from $750 to $1,400 annually and is based on location in the city and the neighbourhood. It also includes other factors such as home size, replacement value, coverage type, etc..... All these factors can affect the rate, so contact the best insurance broker today to get your home insurance quote today.

No, there’s no fee. Comparing online insurance quotes from different insurance providers will help ensure you aren’t overpaying for your home, car, business, travel or other insurance. Compare insurance companies and get quotes for the best insurance coverage in Hamilton with Surex for FREE.

It will strongly depend on your home’s physical structure, the value of personal property (including clothing, appliances, TV’s). It’s a good idea to take an inventory of your possessions to confirm you have an accurate idea of the value. There are limits that you’ll need to work with so it’s important to check with the top rated home insurance companies in Ontario to see what the right amount of coverage is for you.

Keeping your home protected can help mitigate risks and provide peace of mind. Some ways of potentially lowering the cost of your home insurance in Hamilton include installing a home security system and fire alarm that may be eligible for discounts. Another option would be to opt for the higher deductible amount, a higher amount out of your pocket up front but that can save on your month-to-month payment.

Home insurance in Hamilton depends on the type of insurance you need. Here are a few examples of different types of coverage:

Tenant insurance:  Tenant insurance, also known as renters insurance, provides financial protection for individuals renting a home or apartment. It typically covers personal belongings against risks like fire, theft, and certain types of water damage. Additionally, it offers liability coverage if someone is injured in your rented space or if you accidentally cause damage to someone else's property. Some policies also include additional living expenses, covering costs like hotel stays if your rental becomes uninhabitable due to a covered event.

Homeowners insurance (condo): ​Condo insurance, or condominium insurance, is a policy designed for condo unit owners to protect their personal property, unit improvements, and provide liability coverage. While the condo corporation's master policy typically covers the building's structure and common areas, it doesn't extend to the interior of individual units or personal belongings. Therefore, condo insurance is essential for safeguarding against potential losses and liabilities within your unit.

Homeowners insurance (house): ​​Home insurance provides financial protection against damage to your home's structure and personal belongings due to events like fire, theft, or natural disasters. It also offers liability coverage for injuries or damages occurring on your property. Policies typically include dwelling coverage for the physical structure, personal property coverage for belongings, and liability protection. Additional living expenses coverage may be included to cover costs if your home becomes uninhabitable due to a covered event. *It's important to review policy details, as certain perils like floods or earthquakes often require separate coverage.