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RATESDOTCA works with home insurance providers in Ottawa to offer you the city’s best home insurance quotes. We quickly collect your information and use it to generate the top offers from each of our partners. Our service is fast, easy and free to use.
By comparing Ottawa home insurance quotes from several insurance providers in a single place, you can instantly assess the market and find the best policy to protect your Ottawa home.
|Annual premium||Monthly average premium|
|Ontario’s average home insurance premium||$1,283||$106|
|Ottawa’s average home insurance premium||$1,404||$117|
According to proprietary data from RATESDOTCA, Ottawa residents usually pay a higher insurance premium than homeowners in other Ontario cities. This attributable to a handful of factors, which we explore below.
That Ottawa home insurance is on the expensive side may not sound like great news to homeowners in the nation’s capital. But don’t worry, RATESDOTCA has you covered.
Use our comparison tool to instantly weigh quotes from more than 30 home insurance providers in Ottawa. This way you’ll find the cheapest policy on the market.
Just because other Ottawa homeowners pay high home insurance premiums doesn’t mean you have to.
Frequently asked questions about Ottawa home insurance
Here’s everything you may be wondering about home insurance coverage in Ottawa.
The average lowest home insurance quote a RATESDOTCA user in Ottawa receives is $1,404 a year, or $117 per month. This is 9% higher than the provincial average of $1,283, or $11 more per month.
While these averages offer a glimpse at typical home insurance prices in Ottawa, keep in mind that the cost of a house insurance policy depends primarily on the home and person being insured, not the city in which the property is located. Factors like the age of the building, the materials used for its construction and the homeowner’s claims history will go much farther in determining the cost of a policy than a postal code.
There is no single home insurance company that offers the cheapest rate for every property in Ottawa. When it comes to home insurance, each company assesses risks differently. This means that the company that gave your friend the lowest rate might not give you the lowest rate. The only way to find which company offers the cheapest insurance for your home is to comparison shop before choosing a policy.
Homes in Ottawa face varying degrees of risk from several environmental factors, such as:
Home insurance providers in Ottawa will not cover every peril under a standard policy. In fact, some of the most common perils, such as flooding and earthquakes, may require extra coverage.
Earthquake coverage, additional liability coverage and overland water coverage, are the most common add-ons that you can choose to add to your policy. To be sure you understand what your policy excludes, consult a representative from your insurance provider.
On average, Ottawa homeowners pay 9% more than residents of other Ontario cities. But that doesn’t mean you’re stuck with high premiums. There are things you can do that will help reduce the cost of a house insurance policy in Ottawa.
Here’s how you can lower your home insurance premium:
Because home insurance is more expensive in Ottawa than most cities in Ontario, it’s important to find savings wherever you can. While it helps to looks for discounts with your insurance provider, the surest way to get the cheapest policy is to compare quotes from as many home insurance companies possible. RATESDOTCA aggregates the best offers from more 30 Ottawa home insurance providers, so you can see the entire market at a glance. It takes just a few minutes to save big on your house insurance coverage.
*Based on the difference between the average lowest home insurance premium and overall average home insurance premium from our site in 2019. Excludes tenant and condo insurance.