The Best Home Insurance in Burlington

Jump straight to:

• Home insurance in Burlington
• What’s the average cost of home insurance in Burlington in 2025?
• Home insurance in Burlington by postal code
• Methodology
• Types of home insurance in Burlington
• Add-ons to home insurance coverage in Burlington
• What’s not covered under Burlington home insurance
• How much insurance coverage do I need for my home in Burlington?
• Recent home insurance quotes in Burlington
• Factors that affect your Burlington home insurance
• How much does the average Burlington home insurance policy cost?
• How Rates.ca finds the best home insurance in Burlington
• Which companies offer home insurance quotes in Burlington?
• How to get the cheapest home insurance in Burlington
• How to get Burlington home insurance
• What risks do homeowners face in Burlington?
• Frequently asked questions about home insurance in Burlington

Types of home insurance in Burlington 

These are the most common types of home insurance coverage in Burlington.

• Basic – Burlington homeowners can get this coverage for named perils. It is the most basic, as the name suggests, and is usually the least expensive.
• Broad – This is mid-level home insurance. It provides comprehensive coverage for the structure of your home and basic coverage for your contents (but you must specify which items you want protected in your policy).
• Comprehensive – This is the most expensive home insurance policy you can get in Sudbury. It covers the structure and your contents against all insured perils.

Add-ons to home insurance coverage in Burlington  

Even with the previously mentioned insurance coverage, there are additional protections you can purchase in Burlington both for your home and its contents.

You can buy the following add-ons (known as 'riders') for greater protection.

• Overland water – Ontario is no stranger to flooding and overland water issues. There is also the threat of melting snow in the springtime. This add-on helps protect against damage from this type of overflowing water.
   
• Sewer back-up – In cases where the main sewer backs up, or water from downspouts, septic tanks, drains, and eaves troughs cause damage, this add-on will protect you.
   
• Earthquake – Covers losses or damage caused by an earthquake. This coverage makes more sense for people living on the West Coast, where there is a potential for earthquakes to cause structural damage to your home.
   
• Mass evacuation – Weather, forest fires or other major events can create so much damage that it causes the need for a mass evacuation. This comes with expenses for temporary housing, commuting and even everyday necessities like food. It is best to talk to your provider about how much coverage you can get during your temporary displacement.
   
• Identity theft – Covers the cost of replacing important documents, such as your passport.
   
• Lock replacement – If you need to replace the locks on your house, this add-on provides coverage.

What’s not covered under Burlington home insurance 

Burlington home insurance might only cover some of your needs, leaving you vulnerable to some perils. This is when buying optional insurance products is a good idea. However, for various reasons, some insurance companies refuse to cover certain risks. Below are some examples of optional insurance products and when you might not be able to purchase them. 
 

• Flooding – Flooding is an add-on or rider coverage that most Burlington home insurance providers sell. You're covered by damage caused by sewer back-up or overland flooding. However, some insurance companies will decline this coverage to people who live in flood zones. Check with your insurance professional to see where you stand.   
   
• Earthquake or landslide – This type of add-on exists in Canada. Still, it may not be offered by all Burlington insurance providers since damaging earthquakes do not typically occur in southern Ontario. You should talk to your provider to see what you are eligible for.   
   
• Rental – Renting your property will require extra insurance to cover you for damages or liability. Consult your Burlington home insurance provider before renting out your property to see what type of coverage you will need. 

Insurance companies will never cover the following under any circumstance: 

• Mould – Insurance companies consider mould to be a homeowner issue. If you see it is becoming a problem in your home, it is your responsibility to handle it before it gets worse. Because it is your responsibility to deal with it, your home insurance policy in Burlington will not cover mould issues.  
   
• Pest infestation – Much like mould, pests or rodents must be dealt with by the homeowner. You won't find coverage for this, so it's best to keep your home clean or spray for bugs before any problems get out of hand.  
   
• Purposeful damage – Why would anyone purposefully damage their property? Who knows, but if you do, you will not receive an insurance settlement. Causing damage intentionally and claiming it on your policy is insurance fraud, so it is best to take care of your property as best you can.  
   
• Intentional injuries to guests – Do unto others, the saying goes. But if you choose to injure someone in your home intentionally, you will not be covered for any liability that may ensue. 

How much insurance coverage do I need for my home in Burlington? 

The home insurance buying experience differs slightly for everyone. Your insurance needs are tied to your unique circumstances. A larger, upgraded home usually costs more to rebuild than a smaller starter home; if you own one of these, you might pay more than the average for your city or province.

Here's another example: newer homes with state-of-the-art security systems aren't surcharged, but properties in higher-risk neighbourhoods with no alarm system usually are, which makes a difference in price and the type of coverage available. It's best to talk to an insurance professional to determine the right policy for you. 

Factors that affect your Burlington home insurance 

Burlington home insurance providers will consider many factors when determining your specific premium. Here are the major ones:

• Replacement cost: Part of the risk your Burlington home insurance provider will consider when determining your premium is the amount it will cost them to rebuild your home from the ground up in case of fire, weather events or other perils.
   
• Location: Insurance companies are continually assessing risk. That is why the location of your property is important. High crime rates, for example, could lead to higher claims and, as a result, higher premiums. Conversely, properties in lower crime neighbourhoods don’t face surcharges because claim risk is lower.
   
• Your personal history: Insurance providers in Burlington will look at your individual claims history as a risk factor. Higher claims histories are perceived to mean higher future claims as well. The nature of your claims matters, too, as more expensive claims can also raise your premium.
   
• Fire hydrant proximity: Location matters for many things in real estate. This goes for your proximity to a fire hydrant. The easier it is to save your home from fire, causing less damage and replacement costs, the less of a risk factor you are. This is more of a concern for rural areas, where everything is far away.
   
• Piping: Many older homes have lead pipes that are deteriorated or broken down, leading to leaks and damage. These are risks insurance companies don’t want to take. If your home is older and you haven’t updated your internal piping system, you may find your insurance premiums are higher than what you would have expected. Try to update if you can with copper or plastic.
   
• Electrical wiring: Old knob and tube or aluminum wiring can cause fires and damage your property. Your insurance provider may ask you to remove it altogether before providing insurance. Other things that can raise your premiums include having fuses instead of breakers and having less than a 100-amp service. In both cases, your home is more likely to catch fire.
   
• Roof age: Roofs need to be maintained regularly and changed about every 20 years. Doing this will prevent leaks and water damage. Some insurers may cover only 25% of the replacement cost for roofs that are old enough to need repairs or replacement.
   
• Swimming pool: Swimming pools create a higher risk of lawsuits due to a higher chance of injury to your guests. This can increase your premium.
   
• Wood stove: This type of heating and cooking has a remarkably high risk of fire-related damage. If you plan to install a wood stove, notify your provider.
   
• Alarms: Fire and security alarms will factor into your premium. State-of-the-art monitored systems will help reduce your premium by lowering your risk for theft or vandalism. The lower the risk to your home, the lower your premiums will be.

How to get the cheapest home insurance in Burlington 

There are many ways to get cheaper home insurance in Burlington. In most cases, all you need to do is ask your insurance provider about offers they may have, but with a little more investigation, you can save a whole lot more. Here are some examples of how you can do that: 

• Comparison shop – Shopping around for insurance in Burlington is easy when you use sites like Rates.ca to compare the cheapest rates from the top providers in your area. It’s free, simple, and fast.  
   
• Bundle services – Burlington insurance providers appreciate your business, and the more services you bundle from one provider, the more you can save on an entire policy package. Some providers will give you discounts in the neighbourhood of between 20% and 25%.  
   
• Update alarm systems – Reducing risk is a great way to save on Burlington home insurance premiums. Updating your alarm system (or getting one if you don’t have one) to a monitored system reduces the risks of theft or vandalism, which can help you save between 5% and 10% on your policy.  
   
• Increase deductibles – Lowering risks for insurance providers helps you save on your premiums. That’s why agreeing to pay a higher deductible – money you will pay out-of-pocket before the insurance company pays you – can help save you money. Saving your insurance company money makes you a less risky client.   
   
• Upgrade your home – Renovating or upgrading old systems, such as piping or out-of-date wiring, can help save you money. You are reducing the risk of flooding or fires as a result, and you will be “rewarded” for your efforts. Renovating, however, can also add costs to your insurance if you are making expensive additions that require even more insurance.  
   
• Apply for discount – Many home insurance companies in Burlington will offer discounts to members of certain associations or unions. Retirees can also receive discounts. Reviewing your policy annually is good practice and also a good time to ask your provider about discounts you are eligible for. 
   
• Get rewarded for your loyalty – Burlington home insurance providers appreciate your business and loyalty. The longer you stay with one company, the more rewards and discounts you can get. Stay claims free, and the discounts can be even higher. Ask your provider about loyalty discounts.  
   
• Keep your credit high – Home insurance companies in Burlington will drop premiums for people with a good credit score. A lower score identifies you as a responsible customer who pays bills and is likely a minimal risk overall. 

What risks do homeowners face in Burlington? 

Home insurance can look the same from city to city in Canada. Still, differences in climate, geography, public utilities, and housing stock, to name just a few, contribute to the overall risk level of a region. This contributes to the cost of a policy and means that rates vary a lot by region. 

Some risk factors that Burlington homeowners should look out for include:

• Freezing temperatures. Canadian winters can cause extensive damage to pipes, causing them to freeze and burst.  
   
• Flooding and water damage. Burlington has seen its fair share of rain. In the summer of 2014, the city received two months' worth of rain in three hours, causing extensive damage. Also, heavy snowfall can do damage to roofs and other structures. Snow thawing can be equally threatening, especially to homes with basements.  
   
• Sewage pipe backup. A home's pipes can get clogged or backed up if the main sewer lines become clogged. This can do significant damage to a home.  
   
• Attic rain. Hot and cold weather can cause freezing in the winter and melting in the spring. The resulting water then trickles down into the rest of your home, causing stains, structural damage, leakage around electrical fixtures and black mould. 

Typical home insurance in Burlington will cover your personal belongings (appliances, home furnishings and some electronics) and protect you from personal liability if you're sued by someone injured on your property. 

Certain perils are also covered by standard insurance policies, including: 

• Fire 
• Lightning 
• Water damage 
• Wind 
• Aircraft or vehicle impact 
• Explosion 
• Smoke (caused by cooking devices or heaters, but not fireplaces) 
• Theft and vandalism (such as broken windows) 
• Falling objects (except if caused by an earthquake, landslide or snowslide) 

There are certain perils that standard Burlington home insurance policies won't cover. In these cases, add-on protection may be available at an extra charge. Non-standard coverage you can purchase include: 

• Insurance for renting all or part of your property to long or short-term tenants or guests. 
• Liability for clients or customers visiting a home-based business. 
• Natural disasters, such as earthquakes and landslides. 
• Certain water damage, such as sewer backup and flooding from overland water. 
• Certain weather issues in winter, such as damage to the outside of your home caused by freezing and water damage (due to frozen or burst pipes). 

Insurance companies don't cover the following scenarios under any circumstance: 

• Injuries or damage caused either intentionally or by illegal activity. 
• Damage caused because basic measures of protection and maintenance weren't taken. 
• Damage from insects and rodents.