Hamilton Home Insurance

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

Find the best home insurance in Hamilton

Having a good home insurance policy in Hamilton is important as it gives you peace of mind knowing you’re covered if something happens to your home. You’ll have financial protection if you have property damage or loss.

It's also important to make sure your policy is designed for your needs, as all homes and homeowners are different. Our experts will make sure your policy protects you properly. We'll help you find the best home insurance quotes in Hamilton from our large selection of providers. You'll get personalized coverage for the lowest rate. Get started by comparing quotes online or give us a call and we'll be happy to help you.

Top things to know about Hamilton homeowners insurance

Hamilton residents can expect to pay about $1,378 annually for coverage.
The postal code area LT8 has the most affordable home insurance premiums.
Our customer data suggests that, depending on your situation, you could pay between $373 and $3,897.

How does home insurance in Hamilton work?

Most Hamilton homeowners have a home insurance policy even though it's not legally required. People have coverage to protect their investments. They also have it because lenders require it to get a mortgage. So, it's required even though it's not.

You can get your policy from a private insurance company or a Hamilton insurance broker. But make sure they are registered by FSRAO and are a member of the Insurance Bureau of Canada (IBC).

You choose a plan based on your needs. They range from basic to comprehensive, and you can personalize your policy by adding coverages and adjusting plan limits.

For example, if you own a lot of personal belongings, you can take out additional contents insurance. Or if you have a large collection of sports cards, you can take out a policy to insure them.

There are plenty of options to customize your plan to meet all your needs. Speak with our insurance experts to create a policy specifically based on your home.

5 star Hamilton home insurance

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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 to get home insurance quotes in Hamilton

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What types of home insurance can you get in Hamilton?

Your needs vary based on the type of dwelling, the risks in your region, and other factors. Here are the four main types of home insurance for Hamilton residents to consider:

Comprehensive home insurance: This provides you with the most coverage. It protects your home and personal belongings against a large list of perils and risks. It is the most expensive, but you get the most protection.
Named perils home insurance: Also referred to as basic insurance, this only provides protection from the risks explicitly outlined in your policy. It is usually the most affordable option but offers the least protection.
Broad form home insurance: This gives you broad coverage for basic belongings and your building structure. It gives you more than a basic plan.
No frills: This option provides the minimum amount of coverage. It is typically used for non-standard homes and situations.

What does Hamilton home insurance cover?

Your Hamilton home insurance policy will protect you from a variety of perils. It will protect you from the following risks:

Fire and smoke damage
Storm damage – wind, hail, lightning
Theft and vandalism
Water damage insurance
Falling objects
Liability
Additional living expenses

No two policies are alike. Make sure you are aware of what is and is not included. For example, sewer backup, flooding, and water damage are not included in all policies, but you can buy additional coverage for these perils.

How much does home insurance cost in Hamilton?

The cost of home insurance in Hamilton varies by property type and many other considerations. Premiums can range from $373 to $3,897 or more annually. Based on ThinkInsure customer premium data, the average cost of home insurance in Hamilton is $1,378**. This is about $115 per month.

This is slightly more affordable than the average for Ontario home insurance. However, many individual considerations are factored into the quoting process.

Hamilton home insurance rates compared to other big cities in the province

Home insurance in Hamilton is more expensive than most cities in the province. Rates are slightly lower than the provincial average. The map below illustrates how rates vary compared to the City of Hamilton:

Average Hamilton home insurance rate compared to other Ontario cities info graphic

Recent Hamilton home insurance quotes

2024/10/29

Homeowner from HAMILTON, ON
Building Type: Detached
Aviva	$700
Wawanesa	$842
Economical	$1,176
CAA	$1,849
Savings from top 4 lowest quotes	$1,149

2024/10/27

Homeowner from HAMILTON, ON
Building Type: Detached
Wawanesa	$2,779
CAA	$3,091
Unica	$3,409
GORE	$7,150
Savings from top 4 lowest quotes	$4,371

2024/09/10

Homeowner from HAMILTON, ON
Building Type: Row or Town (inside)
Intact	$902
Wawanesa	$1,051
CAA	$1,188
GORE	$2,193
Savings from top 4 lowest quotes	$1,291

2024/08/01

Homeowner from HAMILTON, ON
Building Type: Detached
Unica	$1,299
CAA	$1,355
Intact	$1,806
Wawanesa	$2,270
Savings from top 4 lowest quotes	$971

How Hamilton home insurance premiums compare to other nearby cities

As the biggest city in the Golden Horseshoe region, Hamilton has more expensive home insurance premiums than other cities. Here’s how they compare:

City	Avg annual premium (2024-25)	Monthly rate
Hamilton	$1,378	$115
Milton	$1,352	$113
Cayuga	$2,344	$195
Caledonia	$1,198	$100
St. Catharines	$1,062	$89
Cambridge	$1,288	$107
Burlington	$1,887	$157
Brantford	$1,091	$91
Welland	$1,251	$104
Ancaster	$1,223	$102

What Hamilton postal codes have the most affordable home insurance?

Where you live in the city of Hamilton can greatly impact your monthly home insurance payments. The table below illustrates how much premiums can vary, even within the same city:

Area in the City of Hamilton	Postal codes	Annual premium	Monthly payment
Confederation Park / Nashdale / East Kentley / Riverdale / Lakely / Grayside / North Stoney Creek	L8E	$1,808	$151
West Kentley / McQuesten / Parkview / Hamilton Beach / East Industrial Sector / Normanhurst / Homeside / East Crown Point	L8H	$1,396	$116
East Albion Falls / South Stoney Creek	L8J	$1,166	$97
East Delta / Bartonville / Glenview / Rosedale / Lower King's Forest / Red Hill / Corman / Vincent / South Gershome	L8K	$1,091	$91
West Industrial Sector / West Crown Point / North Stipley / North Gibson / Landsdale / Keith / North End / Beasley	L8L	$1,856	$155
Stinson / Corktown	L8N	$1,087	$91
Durand / Kirkendall / Chedoke Park	L8P	$2,745	$229
Westdale / Cootes Paradise / Ainslie Wood / McMaster University	L8S	$1,472	$123
Sherwood / Huntington / Upper King's Forest / Lisgar / Berrisfield / Hampton Heights / Sunninghill	L8T	$700	$58
Raleigh / Macassa / Lawfield / Thorner / Burkholme / Eastmount	L8V	$1,053	$88
Hamilton Mountain - Crerar / Bruleville / Hill Park / Inch Park / Centremount / Balfour / Greeningdon / Jerome	L9A	$1,663	$139
Barnstown / West Chappel / Allison / Ryckmans / Mewburn / Sheldon / Falkirk / Carpenter / Kennedy / Southwest Outskirts	L9B	$1,715	$143
Ancaster West	L9G, L9K	$1,010	$84
Dundas	L9H	$1,607	$134

Hamilton house insurance rates by dwelling

Your home style and building type affect how much it will cost to get insurance. Based on our customer data, your home type can impact your rates by a few hundred dollars per year:

	Avg annual premium (2024-25)	Monthly payment
All properties	$1,378	$115
Detached	$1,356	$113
Semi	$1,788	$149
Duplex	$1,498	$125

What factors affect Hamilton's home insurance costs?

No two home insurance policies are the same in Hamilton. Rates vary based on your location in the city, neighbourhood, crime rate, and even the claims history in your region. Other things like square footage, replacement value, coverage type, and limits also apply.

Location
Property value and replacement cost
Coverage limits
Insurance deductible amount
Claims history
Home renovations, improvements, and upgrades
Roof, plumbing, and electrical type and age
Insurance endorsements and policy add-ons
Crime rate, local weather threats

How to get cheap Hamilton home insurance

There are many ways Hamiltonians can get cheap home insurance. Use these tips to maximize your savings:

Install a home alarm system: Monitored security and fire alarms reduce risk, something insurers like.
Avoid filing small claims: Having a home insurance claim on your record can increase costs now and for years to come.
Combine home and car insurance in Hamilton: Bundling will qualify you for a discount on all policies. You could save up to 25%.
Don’t smoke: Smoking increases the threat of fire and ignites your rates.
Don’t over-insure your contents: Speak with your broker to determine the right amount of coverage and policy type.
Ask about discounts: Talk with your provider about potential home insurance discounts to reduce your rates.

Hamilton home insurance FAQs

Why do I need home insurance in Hamilton?

Your house is one of the biggest financial investments you’ll make in your lifetime. An effective home policy will help you protect this investment. Home insurance provides Hamilton homeowners with financial support when they need it most. It helps cover the cost of repairs and replacing personal belongings stemming from a claimable event. It ensures you are financially sound when you need it the most.

Compare home insurance quotes to find the right protection for your home.

Is home insurance in Hamilton mandatory?

No. Home insurance is not legally required in Hamilton, but you will need to show that you are insured to secure a mortgage. Even if you are mortgage-free, having the extra protection is worthwhile. The same applies for condo insurance and renters insurance. They are not mandatory but highly recommended.

When should I get a home insurance quote in Hamilton?

Any time is a good time to get home insurance quotes in Hamilton. Comparing premiums from multiple insurers ensures you are getting the best rate and plan for your property.

Here are ideal times to search:

When buying: Compare options before making your final purchase decision.
Moving: A different home and location will affect your rates. Know the cost changes and get your policy in order.
After a renovation: Upgrades can change how much coverage you need and may lower your costs.

What threats are not covered by home insurance in Hamilton?

Certain perils are not covered by your Hamilton home insurance policy. They include earthquakes and landslides, insect and pest infestations, overland flooding, and damage caused by neglect of the property. You are also not covered for damage as a result of criminal acts or fraudulent activities.

What home insurance perils are specific to Hamilton?

The city lies within the Niagara escarpment and is close to Lake Ontario and other bodies of water. This means that there are greater home insurance threats in Hamilton, such as overland flooding. In the winter, you need to protect against lake-effect snowstorms and other severe weather.

What threats are commonly excluded from home insurance in Hamilton?

Your home insurance policy in Hamilton does not protect you from all threats. There are some exclusions you need to know. These are commonly excluded threats:

Overland flooding (you'll need to add overland water coverage)
Sewer backup
Earthquakes and landslides (add earthquake insurance)
Water issues from frozen pipes
Pest damage
Pollution

Even though they are excluded, insurers offer additional coverage for the above. Speak with your advisor about add-ons.

About home insurance and living in Hamilton

Located in the Golden Horseshoe along Lake Ontario, Hamilton is one of the largest metropolitan regions in the province. The city has a population of over 570,000 and a CMA of about 750,000. The city is known for its unique combination of industrial companies, post-secondary institutions – McMaster University, and historical sites.

It’s an ideal location for commuters. You are on the cusp of the GTA, and directly in the middle between Toronto and Niagara. Housing and insurance prices also tend to be more affordable than in other cities in the GTA.

The risk of floods, extreme winter weather and storms, and even earthquakes are known to occur. These factors, as well as your dwelling type, can all impact your premiums.

Whether you live close to the escarpment, near the university, or on the upper or lower side of the mountain, we can help you find the right home insurance policy in Hamilton. Here is a breakdown of the number and types of residences in the region:

Type of dwelling	Percentage
Number of private dwellings	293,345
Single-detached houses	56.3%
Apartment buildings 5+ stories	15.5%
Apartment buildings with less than 5 stories	8.3%
Duplex	2.6%
Other dwellings	17.3%

Saving on your Hamilton home insurance is easy!

Affordable home insurance is only a quote away for Hamilton residents. Search for quotes online anytime with us. You can also speak with our experts to get a quote. It only takes a few minutes to save on the coverage you need.

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Sources

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

** Home insurance property quotes collected from the City of Hamilton 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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2025-04-14

Compare the best quotes for Hamilton home insurance from Canada's top providers and save up to $158* or more.

Compare Hamilton home insurance quotes from top providers

Find the best home insurance in Hamilton

Top things to know about Hamilton homeowners insurance

How does home insurance in Hamilton work?

5 star Hamilton home insurance