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Find better home insurance in Windsor

There isn’t a better place to shop for Windsor home insurance quotes than with ThinkInsure. Even though it is not mandatory, having home insurance for you house in Windsor is an essential form of financial protection. You can never predict when you could have a basement flood, lightning could strike a tree and fall on your roof, or someone could slip and fall on your property and sue. The city does have its fair share of thunderstorms and tornado warnings are common in the summer months. So, having extra protection is essential.

We know that Windsor homeowners want to save money on their premiums, and they want the best home insurance rates. Fortunately, shopping for cheap home insurance in Windsor is easier than you think. ThinkInsure can compare quotes from the top home insurance companies to find you the best price in Windsor.

We offer Windor homeowners much more than great rates. Our advisors will guide you through the process of comparing your plan options and choosing a personalized policy to meet you unique needs. Contact us if your policy is up for renewal or even if you are shopping for your first home. You could save hundreds of dollars by spending a couple of minutes getting a Windsor home insurance quote with us. Get started by comparing quotes online or give us a call.

How does home insurance work in Windsor?

The process for getting home insurance in Windsor is the same as getting coverage everywhere else in the province. It is not mandated, but most require it because proof of insurance is needed to qualify for a mortgage.

Residents can get a policy through private insurance companies and brokers. Most have comprehensive coverage, but basic and broad plans are available. You have significant options to customize your plan when comparing quotes. The FSRAO oversees all licensing, rules, and regulations.

How to get home insurance in Windsor

Get Windsor home insurance quotes from Canada's top providers in just a couple of minutes. Follow these easy steps:

1) Start your quote

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2) Enter your home details

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3) Compare best rates

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Choose your policy

Select the lowest rate and get insured.

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5-star Windsor home insurance

Rated 4.7 out of 5 stars in 1327 Google reviews

We’ve helped thousands of Windsor residents find the right home 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 much does home insurance cost in Windsor?

The cost of home insurance premiums in Windsor can range anywhere from $700 to $2,000 or more. Every house is unique and has different policy requirements. Everything from size and value, location, personal contents, the plan you choose and even your insurer can affect how much you will pay. Searching for quotes is the most effective way to get an accurate estimate of your premiums.

What factors affect Windsor home insurance costs?

Home insurers consider a variety of factors when determining your premiums. They use the following information to predict your level of risk and the potential size of a future claim. Here are the top factors an insurance provider will consider when determining home insurance quotes for Windsor residents:

Dwelling type and square footage
Your location
Type and quality of construction
Age
Roof, electrical (aluminum wiring), plumbing, heating systems
How much money it’s worth and replacement cost
How your home is used (business, rentals)
Property features that can be a liability (finished basement, pool)
Previous claim history
Extra protection for your house or liability - for example, adding comprehensive or endorsements
Credit score (optional)

How to save more on your Windsor home insurance policy

The cost to run your household keeps going up. So naturally, it's important to seek out ways to keep your costs down. This includes your Windsor home insurance.

Here are some effective ways to reduce how much you pay for Windsor home insurance and get cheaper premiums:

Work with a Windsor home insurance broker to compare quotes and explore your options with insurers
Comparison shop regularly to find cheaper coverage from the best insurance companies
Bundle your home and Windsor car insurance. Ensure both are covered.
Ask your insurance company about applicable discounts (mortgage-free, smoke-free, security system)
Don’t let your policy automatically renew without first exploring your options
Stay claims-free
Pay your policy annually instead of monthly
Have a higher deductible
Get an insurance quote annually

Windsor home insurance FAQs

What home insurance do you need in Windsor?

Every Windsor homeowner has unique home insurance needs. There are four main types of policies for you to choose from:

Comprehensive: Also referred to as all perils, it protects your home and contents against all threats unless they are specifically listed as exclusions.
Broad: You have protection against all risks. Your content coverage is only covered for named perils. You choose which threats are covered.
Basic: Also called named perils, this covers you for a defined list of threats. You can choose the perils you have coverage for and what you do not want to include in your plan.
No Frills: This plan is for nonstandard properties that do not qualify for other types of coverage.

You can further customize your plan by adding endorsements. Here are some of the additional types of protection you can add:

Overland flood insurance
Sewer backup insurance
Earthquake insurance
Identity theft insurance
Lock replacement
Freezer food replacement
Mass evacuation
Collectibles
Jewellery insurance
Increased plan limits

Why should you get Windsor home insurance?

There are several valid reasons why you need insurance, even though it's not legally required for Windsor homeowners:

Your mortgage lender requires it as a condition of your agreement.
It is one of a few financial products that offer protection against loss.
You have protection against liability (just in case you damage a person's property, or they get hurt at your house).
You have peace of mind in knowing your house has coverage and is protected.

What is a good time to get a home insurance quote in Windsor, Ontario?

There is never a wrong time for people in Windsor to assess your home insurance options and compare quotes. You can get a free quote anytime with a home insurer. Here are some of the most common situations when our customers reach out to us to check out their options:

Purchasing a home
Policy renewal time
Moving
Transitioning from a renter to an owner
Purchasing an income property
Renovations
You are making changes to your coverage limits

What kind of risks to homeowners are specific to the Windsor area?

The Windsor-Essex area is prone to severe weather. If you own a home in Essex County, you should ensure your home is protected against these threats and have the proper insurance in place. Threats include:

Flooding: The city has experienced a series of floods in recent years. Its proximity to Lake Erie, Lake St. Clair, and the Detroit River increase the risk. Inquire about overland flooding plans to protect your dwelling.
Tornadoes and thunderstorms: The city location makes it a candidate for severe thunderstorms, high winds and even tornadoes. It has the highest number of days with thunderstorms and lightning in Canada. Ensure your home has protection against these types of weather-related threats.

What does house insurance cover in Windsor?

Home insurance plans, similar to condo insurance and renters insurance, provide you with protection against a series of common perils and specific threats. This is the industry standard. Depending on your plan, it covers:

Fire and smoke damage
Wind, hail, and lightning
Theft and break-ins
Vandalism and property damage
Civil unrest and explosions
Damage caused by falling objects

What is not covered by home insurance cover in Windsor?

All policies have exclusions. There are limits to your policy. Some weather events and actions are not protected by your plan. They include:

Overland flood water damage
Water damage from melting snow, sewer backup, other causes
Home businesses
Earthquakes, landslides and other “Acts of God”
High ticket items (jewelry, art, collectables)
Pest and rodent damage
Regular upkeep – normal wear and tear
Negligence
Damaged because of criminal acts
Dangerous dogs and exotic pets

You can get extra coverage from most insurance companies to cover some of the above.

About home insurance and living in Windsor

Windsor is the southernmost city in Ontario. It is directly across the river from Detroit, making it a busy border town. Regarded as the “Automotive Capital of Canada” the city is known for manufacturing and transportation. There are well over 230,000 residents who call the area home.

The city is divided into over 20 unique neighbourhoods. There is everything from rural properties, to established neighbourhoods and new modern communities. Whether you are looking for a home for your family, a condo, townhome, or other types of dwelling, you can find it here.

Here is a breakdown of the number and types of dwellings in the region:

Type of dwelling	Percentage
Number of private dwellings	132,910
Single-detached houses	68.40%
Apartment buildings 5+ stories	9.80%
Apartment buildings with less than 5 stories	8.60%
Duplex	3.00%
Other dwellings	10.10%

Source: Statistics Canada

Windsor home expenses and insurance

Windsor typically has more affordable housing compared to other larger cities in the province. However, real estate values continue to rise here as they are across the province. Where you live within the city limits will impact how much you pay for home insurance in Windsor. Here is some information about owning real estate in the city.

Item	Amount
Average home value (March 2022)	$723,739
Property taxes for a $500K home	$8,900
Property tax (2020)	1.78%
Unemployment (June 2021)	11.80%
Homeownership	71.70%
Average household income (2016)	$72,768

Saving on your home insurance in Windsor is easy!

Want to save money on your home insurance in Windsor? Are you covered? Lowering your rates is only a quote away. Shop with us to get an online quote anytime. It only takes a few minutes. Feel free to speak with our experts to find even more savings. As an insurance industry leader, we'll help you find the best insurance company for your specific needs.

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2023-07-28

Get The Best Windsor Home Insurance Quotes

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Find better home insurance in Windsor

How does home insurance work in Windsor?