Brampton Home Insurance

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Written by Nolan Wilson Updated on April 17, 2025 min read

Find the best home insurance in Brampton

Searching for home insurance in Brampton? You’ve come to the right place. The city has one of the highest percentages of homeownership in the province (81.7%). So, protecting your property, contents, and family from threats with good home insurance coverage is important.

A break-in, fire, storm damage, or liability claim could cost thousands of dollars in loss. Having proper home insurance in Brampton ensures you’re protected and can quickly recover from these undesired events.

Whether you own a detached house, condo, or townhome, we can help you find the best rates and coverage for home insurance in Brampton from the top companies in Ontario. Call us today to get an affordable home insurance quote in Brampton. Get property insurance that meets your unique needs and save more!

Key takeaways about Brampton home insurance coverage

The average home insurance rate in Brampton is $1,328. This is lower than the provincial average.
When choosing a home insurance policy in Brampton, focus on protection over premium costs.
Home insurance premiums in Brampton are increasing each year. Compare quotes and select the right coverage for your property to save the most.

How home insurance in Brampton works

Getting home insurance coverage in Brampton is the same as getting home insurance in Ontario. Even though it is not legally required to have insurance for your dwelling, it is strongly recommended you compare quotes. You’ll need insurance to qualify for a mortgage. In this sense, it’s a necessity. Even if you are mortgage-free, having insurance ensures you are protected against liability and loss or damage to your personal belongings.

Brampton residents can get home insurance from insurance companies and brokerages. You can choose plans ranging from basic coverage to all the bells and whistles. You can add all types of coverage to create a personalized policy based on your unique needs.

The FSRAO oversees the industry. Insurers are members of the Insurance Bureau of Canada (IBC).

How to get home insurance quotes in Brampton

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1) Start your quote

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Latest home insurance quotes in Brampton

2025/04/15

Homeowner from BRAMPTON, ON
Building Type: Semi Detached
Wawanesa	$1,079
Unica	$1,225
CAA	$1,366
SGI Canada	$1,367
Savings from top 4 lowest quotes	$288

2024/12/24

Homeowner from BRAMPTON, ON
Building Type: Detached
Aviva	$952
Wawanesa	$1,038
SGI Canada	$1,108
Travelers	$1,133
Savings from top 4 lowest quotes	$181

2024/12/07

Homeowner from BRAMPTON, ON
Building Type: Detached
Aviva	$939
Travelers	$1,032
Wawanesa	$1,093
SGI Canada	$1,344
Savings from top 4 lowest quotes	$405

2024/11/21

Homeowner from BRAMPTON, ON
Building Type: Row or Town (inside)
Travelers	$1,134
Aviva	$1,293
Wawanesa	$1,341
GORE	$1,504
Savings from top 4 lowest quotes	$370

How much does home insurance cost in Brampton?

Home insurance costs can vary greatly for Brampton homeowners. Your premiums depend on your unique situation. Your home type, location, and coverage amount affect your rate. Based on our customer premium data**, the average cost of home insurance in Brampton is $1,328 per year or $111 per month. Rates can range from $343 to $2,563 or more per year.

Comparing rates is the most effective way to find out how much your insurance will cost. Call our advisors to get an accurate quote and explore your cost-saving options.

How Brampton home insurance rates compare to other nearby cities

Based on our customer quote data, residents in Brampton pay less for home insurance than residents in other cities within the surrounding area. Here’s how they compare:

City	Avg annual premium (2024-25)	Monthly rate
Brampton	$1,328	$111
Richmond Hill	$1,426	$119
Toronto	$1,457	$121
Mississauga	$1,472	$123
Bolton	$1,557	$130

Brampton home insurance premiums compared to cities across the province

The city is known for its high insurance rates. Brampton car insurance premiums are some of the highest in the province. However, homeowners' policies are more affordable. Costs are generally similar to those of other large cities.

Average Brampton home insurance rate compared to other Toronto cities info graphic

House insurance premiums by Brampton postal code

Where you live within the Brampton city limits can affect how much you pay for insurance by hundreds of dollars. Here’s how premiums compare based on postal code:

Area in the City of Brampton	Postal codes	Annual premium	Monthly payment
Bramalea	L6S	$1,297	$108
Mount Pleasant	L7A	$1,180	$98
Huttonville	L6Y	$1,056	$88
Madoc	L6V	$1,502	$125
Springdale	L6R	$1,491	$124
Snelgrove	L6Z	$1,356	$113
Castlemore	L6P	$1,275	$106
Northwood Park	L6X	$1,253	$104

Brampton home insurance premiums by dwelling

Your home type can affect your monthly payment. This is the case because some home types vary in size, and there are unique threats and considerations insurers factor into how they calculate premiums.

Dwelling type	Avg annual premium (2024-25)	Monthly payment
All	$1,328	$111
Detached	$1,435	$120
Semi	$1,368	$114

How do home insurance claims affect prices in Brampton?

Staying claims-free is important to prevent your rates from going up. So, think twice before starting a claim. The information below illustrates how getting a claim can affect your payments.

Number of claims	Avg annual premium (2024-25)	Monthly payment
Clean record	$1,328	$111
1 claim	$1,830	$153
2 claims	$2,144	$179

What factors affect home insurance in Brampton?

a suburban neighbourhood with rows of houses featuring similar architectural styles.

There are a lot of things that can affect your premiums. Where you live, the size, type, and condition of your home, and how you use your home all matter. Below are the top factors home insurance companies look at when offering a quote:

Property type (detached, semi, townhome)
Location
Roof (age, condition, type)
Internal construction (age and type of electrical, heating, plumbing)
Renovations and upgrades
Policy limits and type
Replacement cost
Insurance and claims history
Use (do you rent it out or use it for business?)
Property features (Finished basement, shed, gazebo)
Liabilities (pool, pets, trampoline, etc.)
Credit score

5 star Brampton home insurance

Rated 4.7 out of 5 stars in 1463 Google reviews

We’ve helped thousands of homeowners find the right home insurance in Brampton.

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Kevin St Clair

2024-11-28

Betsy was a genuine pleasure to deal with considering the circumstances. Thanks again for all your help

Anthony Gomez

2024-11-27

Today, I want to take a moment to recognize Monica Chan, an exceptional insurance broker who has consistently gone above and beyond in her service to me. Monica's dedication to punctuality and consideration has been truly remarkable. She has always been prompt in responding to my inquiries and has never hesitated to offer her expertise and guidance. With Monica as my broker, I have never once felt worried about anything going wrong. Her proactive approach and attention to detail have provided me with peace of mind, knowing that my insurance needs are well-taken care of. Throughout our interactions, Monica has been incredibly helpful, patiently explaining complex insurance concepts and ensuring that I fully understand my coverage options. I wholeheartedly recommend Monica Chan to anyone seeking an insurance broker who genuinely cares about their clients' best interests. Her commitment to excellence and her willingness to go the extra mile make her an invaluable asset in the insurance industry.

Phyllis Baker

2024-11-20

Absolutely amazing service the broker Todd worked on my quote fast I recommend this company to anyone very professional I’m so glad I called them .. Thank you for your great work

Charles Cameron

2024-11-15

Betsy Bannon has been nothing short of amazing at helping us through the complex process of acquiring business insurance. She quickly understood our needs and expertly guided us to the right solution. From start to finish, she made us feel like her most important client which gave us the confidence that we were in great hands. We highly recommend Betsy!

Jermaine M

2024-11-05

I had a great experience with Patrick Vuong. He went above and beyond to help me update last minute changes to my policy in order to qualify for a government grant. Staying back late and coming in early the next day to help finishes the changes. Very kind and professional!

Mark Gaffney

2024-11-05

Betsy Bannon is a professional extremely friendly and knowledgeable and made my experience wonderful! Highly recommend her for any insurance needs. Mark Gaffney

fabian ward

2024-11-04

Great service! Prompt and very helpful! Thanks to Todd allan for really helping me out!

Stephen Mcfadden

2024-11-01

Great experience working with Sohel Rahman, appreciate his honest and can-do attitude. Highly recommend!

How do I get the cheapest home insurance in Brampton?

Getting the right policy is important. So is saving money and getting the best deal. There are several things you can do to get a cheaper home insurance premium in Brampton:

Bundle home and auto insurance in Brampton: You could save up to 25% by combining your coverage.
Set a higher deductible: Increasing your deductible will lower your premiums.
Pay your fees in full annually: Save on interest and administrative fees plus get a small discount.
Ask about potential discounts: Insurers offer a variety of home insurance discounts. Inquire to see what you qualify for.
Install safety monitoring devices: Security, alarms, and other monitoring devices reduce risk. Insurers love this.
Maintain claims free status: This will help prevent a potential rate increase.
Quit smoking: You’ll qualify for a non-smoker discount and reduce the chances of a fire claim.
Take advantage of professional membership or alumni discounts: If you belong to a community or professional group, see if you qualify for savings.
Reduce threats and liability: The more threats you can eliminate, the more you can save.
Allow for a soft credit check when getting a quote: If you have good credit, you could receive a preferred rate.
Use an insurance broker in Brampton: Our team will help you find the lowest premiums.

When should I get home insurance quotes in Brampton?

There is never a bad time to compare home insurance quotes for Brampton residents. Common times include:

Buying a home: Make sure you find affordable rates before choosing a policy.
You want a more affordable plan: We can help you find ways to save. Let us shop the market for you and help you save more.
It's renewal time: Review your options before renewing.
You’re moving: Location affects your payments. Search for quotes when moving.

Brampton home insurance FAQs

Do I need Brampton home insurance?

Home insurance is not mandatory in Brampton. It is not legally required, but it is necessary to protect you. It provides you with an invaluable form of protection against a variety of threats to your property and financial stability. A fire, slip and fall or other unforeseen events could put you at financial risk. A policy ensures you’re protected against these unforeseen events.

Mortgage lenders require you to have an insurance policy as a condition of your home loan. In this sense, you will need it. Even if your home is paid off, knowing your dwelling and belongings are covered is worth the peace of mind. Compare home insurance quotes today to explore your options.

What does Brampton home insurance cover?

Home insurance provides you with protection against many threats in Brampton:

Damage to your dwelling and private structures: Your home structure and other structures on your property - garage, shed, fence. These are protected against fire, water, theft, and vandalism.
Weather damage: Wind, hail, thunderstorms, and some water-related loss events (check your policy).
Personal items: Security for your personal belongings, contents, and valuables (Clothing, electronics, furniture, etc.). You can also take out additional contents insurance for greater protection.
Liability: Protection for accidents that occur on your property. Consider umbrella insurance coverage for additional coverage that goes beyond your policy limits.
Additional living expenses: This covers the cost of hotels, food, and other accommodations during repairs after a claim.
Added endorsements: You can add extra protection for water damage insurance and flooding, sewer backup, increase plan limits, and customize your plan. For example, you can choose the type of replacement cost when you file a claim.

Adding extra coverage and insurance endorsements will increase your premium.

What is not covered by home insurance in Brampton?

All insurance policies have limits. What is and is not covered will depend on your policy type, insurer, and other considerations. However, certain perils, such as pest damage, mould, frozen pipes, and damage caused by a lack of regular maintenance and upkeep, are not included.

You can add additional coverage to extend your protection. Here are types of insurance that are not typically covered, but you can add extra protection:

What is the lowest home insurance in Brampton?

Basic or named perils coverage is Brampton's lowest-cost homeowner's insurance policy. It provides the least coverage amount. Broad and comprehensive plans provide more protection but at an additional cost.

What is the best home insurance company in Brampton?

Insurance companies vary in the type of plans they offer and how they determine premiums. There isn’t a “best” home insurance company in Brampton. Depending on the coverage you need, some companies are better than others. Always check rates from multiple insurers to find the right protection for your specific situation.

Are Brampton home insurance quotes cheaper for a new house?

Home insurance quotes for a new house (recently built) in Brampton tend to be more affordable than for an older home because of the risk association. New homes are generally lower risk. All situations are unique. Search for options from multiple insurers to find a cost-effective policy and speak with a home insurance advisor.

What type of home insurance should I get in Brampton?

There are four main types of home insurance available in Brampton. You will choose one of these plans when comparing quotes. You can also get more to address your specific requirements. Choose from:

Comprehensive home insurance: The most thorough plan. Get protection for the structure and your personal items against the most perils.
Basic (named perils) home insurance: You have protection for perils that are named in your policy, nothing else. If a peril is not listed, you’re not covered. But, you may have the option to add extra protection.
Broad form home insurance: This is a mid-range policy. It’s a combination of basic and comprehensive. You have named perils coverage for contents and comprehensive for your structures.
No Frills: Ideal for non-standard insurance needs (under renovation, structural issues).

What kind of home insurance perils are specific to Brampton?

Home insurance protects Brampton homeowners from a long list of potential threats. The most common are fire, theft, weather damage, vandalism, and some types of water damage.

Every city has specific threats that are unique to the geographic area. In Brampton, exceptionally cold temperatures can result in burst pipes and damage from ice. Flooding is also common because of heavy rain and storms in the summer months.

What will increase Brampton home insurance premiums?

There is a lot you can do to control how much you pay. Here are things that generally increase home insurance costs in Brampton:

Business use
Home sharing and Airbnb
Home sharing
Poor upkeep of your house
Old wiring, plumbing and electrical.
Too many claims

Your rates will also increase when you add more types of coverage. This isn’t a bad thing because you will have more protection. For example, you can add identity theft insurance to protect yourself if you are ever targeted. Or you add jewellery insurance to ensure your cherished items are covered above the limits in a standard policy.

About living in Brampton and home insurance

Known as the flower city of Canada, Brampton is a large, diverse, and multicultural city in the Peel region. The city has over 650,000 residents (2021 Census).

Many residents choose to live here because of its convenient location. It is close to Pearson International Airport. Highway 401 provides access to the GTA, making it an ideal location for commuters. It’s also far enough away that heading north up to cottage country is easy. Have a vacation property? Compare quotes for cottage insurance to find savings.

People also choose to live in Brampton because of the variety of housing options. There is a great selection of detached homes, apartments, condos, and more. Don’t forget, we can help you compare quotes for condo insurance and tenant insurance too!

Here’s information on the number and type of dwellings in the area:

Type	Amount
Number of private dwellings	173,428
Single-detached houses	87,550
Apartment buildings 5+ stories	17,535
Apartment buildings with less than 5 stories	7,945
Duplex	11,235
Semi-detached	23,035

Source: Statistics Canada

Saving on your Brampton home insurance is easy!

Getting affordable home insurance is easier than you think. ThinkInsure will help you along the way. Give us a call. We’ll search for the best quotes, answer your questions, and ensure you have the right protection. You can save even more by speaking with one of our home insurance advisors.

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Sources

* Based on the difference between the average lowest home insurance premium and the overall average premium in Brampton for quotes completed from January 1, 2024, to March 5, 2025.

** Home insurance property quotes collected from Brampton ThinkInsure customers from January 1, 2024, to March 5, 2025.

Nolan Wilson

Content Marketing Manager

Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.

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