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Find the best home insurance rates in Ottawa

Comparing your Ottawa home insurance coverage options is a great first step to saving money. Having proper home insurance in Ottawa gives you the protection you need for your family, contents, land, and finances. But it can also be challenging to know what kind and how much you need. That's where a ThinkInsure home insurance advisor can help you.

Owning a home is a major responsibility, and for most people, it is the biggest financial investment you’ll make. Whether you rent, own, live in a condo or detached home, it's important to protect your residence from damage and threats with a good home insurance policy.

With housing prices on the rise across the country, we know that you want to find ways to save money. We can help you find the lowest rates on coverage from the top home insurance companies in Ottawa. Fortunately for you, Ottawa typically has cheaper home insurance rates when compared to other parts of Ontario.

With ThinkInsure it's easy to shop and compare the best home insurance quotes in Ottawa. Find the cheapest Ottawa home insurance quotes is free in just a couple of minutes. Get started online or give us a call and a home insurance advisor can compare quotes and advise you.

Keep reading to learn more about home insurance in Ottawa and find out some great savings tips.

5 star reviews for Ottawa home insurance

Rated 4.7 out of 5 stars in 1327 Google reviews

We’ve helped thousands of Ottawa homeowners find the right insurance for their needs.

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Margaret Lubaszks

2023-09-21

Exceptional service by Neil Sullivan, setting up my new auto policy. Fast and smooth, very professional. Many thanks 😊 Margaret Lubaszka

Michael Francis

2023-09-18

Didn’t end up using them however found their sales team very knowledgeable and helpful.

coral moxam

2023-09-16

Called and spoke with Todd who got me the best rate ever. Thank you !

O Z

2023-09-15

Excellent service from Ryan, it is very much appreciated.

Paul N

2023-09-14

Contacted Cecilia Li , very professional and patient conversation, great customer service!

A Day With Alishia

2023-09-07

Somya and Shahid Nizam provide excellent customer service. All of my questions was answered . I would definitely recommend this company.

Tanner Duong

2023-09-02

Everthing @ Young Drivers Insurance was great .got great deals and excellent customer service from Shawn and Brian ...

Nancy McCurdy

2023-08-31

Dealing with Todd Allen was awesome would recommend him as someone who is patient and thorough applied on line and have my new policy without leaving my home. Policy is with Wawanesa a very trusted name in the insurance world would recommend this broker to anyone seeking insurance

How to get a home insurance quote in Ottawa

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How home insurance in Ottawa works

Even though it's not legally required, it's highly recommended for Ottawa homeowners to have a home insurance policy. Considering that proof of insurance is a requirement to qualify for a mortgage, most do have protection. But basic coverage is often not enough. Many choose to have comprehensive coverage for maximum protection against common threats and perils.

The FSRAO licenses and regulates insurers in Ontario. Most insurers are also a member of the Insurance Bureau of Canada (IBC).

Residents of Ottawa have the option to review quotes from multiple insurance companies. You can compare your options using a private insurer or Ottawa insurance broker.

How much does home insurance cost in Ottawa?

Your Ottawa home insurance can vary significantly. Premiums are assessed and set based on your unique situation. Many factors go into determining what you will pay. Location, dwelling type, local threats, land value, replacement cost, and coverage limits all affect the price. On average, homeowners can expect to pay anywhere from $700 to $2,000 per year. This is similar to Toronto home insurance.

Factors that impact Ottawa home insurance quotes

How much you pay for home insurance in Ottawa can depend on many factors, including:

Type of home (materials, size, features)
Property value
Age of your roof, furnace, HVAC, and electrical system
If you have a security system, sump pump and other loss prevention
Location to a fire station, fire hydrant, body of water
Claims history
Personal contents
Policy options and endorsements

Comparing quotes is the best way find out how much home insurance will cost in Ottawa. ThinkInsure works with the leading home insurance companies so we'll find you a great rate!

When should I get a home insurance quote in Ottawa?

There are many situations where it is helpful to get a home insurance quote in Ottawa:

When you are renting for the first time (compare Ottawa tenant insurance quotes).
When you are moving.
When you are looking at homes.
When you complete a renovation project.
When you make the transition from renter to homeowner.
When you move from a condo to a home or vice versa (compare condo insurance quotes).
When you add new contents – especially high-ticket items.

Tips to get cheap Ottawa home insurance

Want to save even more? Use these tips to get cheaper home insurance in Ottawa:

Compare annually: Rates go up and down. Compare quotes each time your policy comes up for renewal to maximize savings.
Ask about discounts: Are you taking advantage of all available discounts?
Have the right amount: Make sure you have the right level of coverage based on your home. Avoid adding a type of protection that does not apply to your situation.
Bundle: When you combine home and car insurance in Ottawa policies you will get additional discounts.
Increase security: Boost your home security to protect your property and reduce payments.
Stay claims free: Avoid unnecessary claims to maintain your claims free discount. Avoid filing smaller claims if possible.
Increase your deductible: Increasing your deductible will lower your premium.
Eliminate threats: Assess your property. Take note of potential perils and eliminate them. For example, remove dead trees, do regular maintenance, and update your structure and systems.
Increase your credit score: A good credit score is used by some insurers to offer a reduced rate.
Quit smoking: Smoking increases the threat of a fire. This will increase your premiums.

Ottawa home insurance FAQs

What types of home insurance in Ottawa do you need?

Even though home insurance is not mandatory in Ottawa, it is highly recommended. There are four basic home policies to choose from:

Comprehensive: Also known as all perils, this has the most thorough protection.
Named perils: Protection against the perils that are named in your house insurance plan.
Broad: This is basic coverage. Covers your dwelling structure and some other named perils.
No frills: This is a basic plan for a location that is not usually issued a policy.

You can also customize your plan by including additional coverage for water damage, personal contents, lock replacement, frozen food, jewellery, claims forgiveness, and other coverages.

Keep in mind that adding to your plan will also increase your premium.

What’s covered under my Ottawa home insurance policy?

The main things that are covered by an Ottawa home insurance policy includes the following:

Structures: This covers the amount to repair or rebuild your house and other structures such as your deck, fence, or garage.
Contents: Compensation to replace lost or damaged belongings. This includes your personal effects such as clothing, furniture, electronics, and more.
Liability: You receive legal protection in the event you are found liable for another person getting injured on your property. Get coverage for legal expenses and fees.
Additional living expenses: This will cover the cost for you to stay in a hotel, food, transportation, and other expenses if you have to move out while it is under repair.

Why do Ottawa home insurance rates change?

Home insurance rates in Ottawa can change for many reasons. Approved rate increases, the cost of claims, increasing your limits, or filing too many claims can all increase your payments.

In general, insurance fees are on the rise. Take extra steps to find savings opportunities. Speak with our experts today to find ways to lower your payments. Or you can compare home insurance quotes online right now.

What does Ottawa home insurance include?

Your Ottawa home insurance will provide you with coverage and protection against a variety of insured peril risks. Here is a list of commonly covered risks:

Fire and smoke damage
Theft and break-ins
Vandalism
Falling objects
Wind and hail damage
Civil unrest

You can also add riders for extra protection. Other coverage options include overland water, sewer backup insurance, flood damage, earthquake, and boosting your existing plan limits.

You can even get identity theft insurance.

Some other threats are not covered. They will be specifically excluded. Make sure you know what is and is not included in your plan.

What home insurance risks are specific to the Ottawa region?

As Ottawa is a more northern location, extreme cold weather is common in the region during the winter which creates additional home insurance risks. This weather can cause frozen pipes, ice damming, and cause severe damage. The Ottawa River also makes it prone to flooding during thunderstorms and heavy rainfall. Make sure you have coverage in place to protect your investment.

You can take out added policies for earthquake insurance or overland flood insurance to ensure your property is even more protected.

What is not covered under my Ottawa home insurance policy?

There is a misconception that your Ottawa home insurance is all-encompassing. However, certain personal belongings are not covered under a standard policy. Items such as jewelry, art, collectibles, and antiques require additional insurance.

For example, you can get jewellery insurance to protect items such as your watch, engagement ring, and other prized pieces.

Some perils are outside the scope of your policy. They include damage from pests, wear and tear, overland flooding, water damage, and sewer backup.

What is the best home insurance company in Ottawa?

There isn't one single home insurance company that is the best in Ottawa. There are many good ones that have excellent coverage and great rates. At ThinkInsure, we have partnered with the top home insurance companies in Ottawa and Canada to bring you the most options and cheapest prices. Some of our top home insurance providers include:

Living in Ottawa and your home insurance

Where you live in Ottawa has a direct impact on your cost of living, home insurance premiums, and the type of coverage you need. The Ottawa region is no different.

There is a diverse need for home insurance of all kinds. Home and condo owners, renters, short-term tenants, students, and many others all have unique insurance needs to protect their property and personal belongings. The type of housing you choose has an impact on how much you will pay for homeowners insurance.

Whether you live in downtown, Nepean, Kanata, Orleans, or Gloucester, we can help you get home insurance. Our team can help you get coverage whether it is in an urban area, the suburbs, a rural area outside of Ottawa or anywhere else in the Ottawa-Gatineau region.

The average price of a residential house in Ottawa is approaching $850,000 and rising (as of April 2022). Hydro, gas, and even the cost of renovations continue to climb. Living costs keep going up.

Does where you live in Ottawa affect your home insurance rates?

Yes. Location is an important factor in determining home insurance rates in Ottawa. Your city, neighbourhood, and even your postal code are used by insurers to set premiums.

ThinkInsure can help you find affordable insurance for all types of dwellings in all Ottawa and area neighbourhoods:

Gloucester
Nepean
Vanier
Rockcliffe Park
Blackburn Hamlet
Orleans
Barrhaven
Kanata
Stittsville
Manotick
Riverside South
Greely
Burritts Rapids
Ashton
Fallowfield
Kars
Fitzroy Harbour
Munster
Carp
North Gower
Metcalfe
Constance Bay
Osgoode
Richmond

Saving on your Ottawa home insurance is easy!

Are you a first-time buyer? Purchasing a place for your family? Getting affordable home insurance in Ottawa starts by getting a quote. It only takes a couple of minutes to compare quotes online.

The good news is that you do not have to do it alone – work with ThinkInsure to ensure you get the coverage you need. You can save even more by speaking with one of our advisors.

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2023-07-28

Get The Best Ottawa Home Insurance Quotes

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Find the best home insurance rates in Ottawa

5 star reviews for Ottawa home insurance