The Best Home Insurance in Windsor

Home insurance in Windsor

Located in southwestern Ontario, Windsor sits right across from the City of Detroit – on the south side of the Detroit River. Over the years, Windsor has become known for its extreme weather, including floods, windstorms and tornadoes. As a result, it has some of the most expensive home insurance premiums in Ontario, despite having relatively few home-related crimes, such as break-ins, according to the 2021 Crime Severity Index in Canada.

While home insurance is not mandated by law in Windsor, you may still be forced to buy it, as most mortgage providers require it. But that’s okay – we're here to help.

Types of home insurance in Windsor

There are four major home insurance types, which differ mainly by the amount of coverage they offer and by price. As you might expect, more coverage means higher costs – and vice versa.

• Basic: Sometimes referred to as ‘named perils,’ this is the cheapest type of coverage you can purchase, and as such, it’s incredibly limited. It protects your property and its contents only against the perils listed in the policy. So, if fire, for instance, is not listed, then your home is not protected from it.
• Broad: With this, you get comprehensive coverage for your property, which protects it from anything that isn’t named in the policy. In this case, if fire is not listed, then the property is protected from it. Note that when it comes to your possessions, they are only protected from the perils named in the policy, same way as they would be under the basic coverage.
• Comprehensive: Also known as ‘all perils,’ this is your full coverage. It protects both your property and possessions from all perils, other than a few named exclusions. If, for instance, overland flooding is named as an exclusion, then you’re not covered for it. This is the most expensive type of home insurance you can purchase in Windsor. Even so, it does not include everything.
• No-frills: This coverage is even more stripped-down than the basic one and is meant for special cases only. If your home is old, for example, and extremely likely to suffer damage due to brittle pipes or poor structural integrity, then it may not qualify for regular insurance, such as basic, broad or comprehensive. No-frills coverage exists to provide protection for such homes. It is especially useful when you’re required to purchase insurance for mortgage purposes. It should be a temporary measure, however, until you address all the issues that disqualify your home from proper coverage.

What gets covered

Regardless of whether you go with basic, broad or comprehensive coverage, it must cover these three things:

• Property: This should include all the structures on your property, such as the home itself, garage, guest house and other buildings. The covered perils will depend on your policy – whether it’s basic, broad or comprehensive. Don’t take it for granted that all your structures will be covered, however. Consult with your insurer to make sure that they are to avoid issues down the road.
• Contents: This entails your personal belongings, such as furniture, electronics, clothing and so on. Note that some items may be too expensive to be covered by regular insurance, even if you buy a comprehensive policy. Items like artwork, jewelry and collectibles may require policy add-ons to be fully protected. Evaluate everything you own and consult with your insurer to see if all of your items are covered.
• Additional living expenses: Should you become temporarily displaced due to an insurable peril, this will cover the cost of your living expenses. For instance, if you’re forced to live in a hotel, your insurer may pay for your room, travel and groceries for the duration of your displacement (or up to a certain amount). Do note that when it comes to groceries and travel, your insurer will cover you only if your expenses exceed your usual spending amounts.

Liability coverage

Your liability coverage should encompass the following:

• Personal liability: This will protect you if someone gets accidentally injured on your property. The coverage amount can range from $100,000 to $5,000,000, depending on how much you’re willing to pay in premiums.
• Medical payments: If you unintentionally injure someone on your property, this will pay for the medical expenses for up to a year – from the date of the injury. Your coverage can be as low as $1,000 or as high as $10,000.
• Property damage: If you (or a minor in your care under 12 years) cause unintentional loss or damage to someone’s property (such as your neighbour’s), then this will cover the costs. The coverage can be between $500 and $6,000.

Note that if any of the above are done intentionally (for instance, you intentionally hurt someone), then your liability coverage will become void.

Commonly covered perils

Commonly covered perils in Windsor – whether you choose basic, broad or comprehensive coverage – will usually include these:

• Fire: No matter what causes the fire, your insurance company will cover the costs of replacing, rebuilding or repairing your property and recovering your belongings.
• Lightning: Should lightning strike your property, it could damage the wiring in your walls as well as break your appliances and electronics. This will pay for repairing or replacing whatever ends up damaged.
• Theft and vandalism: If your home happens to get robbed, this will pay for the replacement of the stolen items. The same applies if the home gets vandalized.
• Water damage: This pays for the damage to your property and belongings caused by water leakage from indoor plumbing, heating, air conditioning, sprinklers and similar appliances inside or outside your house. The tricky part is knowing what’s excluded. Most coverages usually exclude sewer back-up and overland flooding, so be sure to confirm what is and isn’t covered with your insurer.
• Hail and wind: Should wind or hail damage your property or belongings in any way, this will pay for them. This includes damage from flying debris as well as falling trees and branches (if caused specifically by hail or wind).
• Falling objects: This protects your property and belongings from falling objects, including space debris and space craft. There are exceptions, however, such as objects moved by landslides or snowslides. Confirm with your provider what is and isn’t covered.

Add-ons to home insurance coverage in Windsor

You can enhance your standard home insurance in Windsor with additional coverage – commonly known as ‘add-ons,’ ‘riders’ or ‘endorsements.’ Here’s what usually gets sold in addition to the standard coverage (varies from insurer to insurer):

• Overland flooding: If your home gets flooded due to overflowing water from a river, stream, lake, thawing snow or another body of water, this add-on will protect you. In the last decade, Windsor has become very vulnerable to floods caused by melting snow and rainwater, so this coverage might be useful to have. Get more tips on flood insurance here.
• Sewer back-up: This type of flooding occurs due to backed up sewage pipes, toilets, drains or showers. Such back-ups happen when too much rainwater or melted snow enters the sewer system at once. Sewage waste is known to cause illnesses and even death, and given how vulnerable Windsor is to floods, this is another useful coverage to have.
• Earthquake: This endorsement will protect your home and possessions from damage due to an earthquake, landslide, snowslide and volcanic eruption. Earthquakes, especially severe ones, are extremely rare in Windsor and the rest of southern Ontario, as are the other three perils in this category, so it’s unlikely that you’ll need this endorsement.
• Windstorm: A windstorm can wreck your home’s structure, possessions and windows and shower everything you own in debris. Depending on your insurer and policy, you may have this covered from the get-go, but it’s worth inquiring your provider about the coverage just in case.
• Mass evacuations: Should a major peril like flooding or wildfires lead to mass evacuations, this will cover your accommodations and food, while you’re away from home.
• Valuable possessions: If you own expensive things like jewelry, collectibles and artwork, then you may need extra coverage for them. Do an inventory of all your possessions and assign monetary value to them. Then talk to your provider to find out if you need extra coverage.

What is not covered under your Windsor home insurance

Unfortunately, your home insurance can’t protect you from everything Windsor would throw at you. Certain perils are always excluded – usually because they are both predictable and preventable. Here’s what they are:

• Mold: Since mold occurs slowly due to pre-existing conditions, such as extreme humidity, there is usually enough time for you to prevent it. Home insurance isn’t meant for maintenance – it's here to address major perils only.
• Pest infestations: Like mold, pest infestations, including mice, bedbugs, cockroaches and termites, are also a maintenance concern. So, if they cause any damage, it’s highly unlikely that your home insurance will cover it. That’s why, as soon as you notice an infestation, you should contact the appropriate service to help you resolve the issue (this service shouldn’t be your insurer).
• Deliberate damage or injuries: If you deliberately damage your own property or its contents, your insurance company will not cover the costs. In fact, if you attempt to claim money for damaging your own property, you may be accused of insurance fraud, which is illegal. If you purposely hurt someone on your property, your insurance will not cover the associated liability costs either, so don’t do it.

How RATESDOTCA finds the best home insurance in Windsor

We are partnered with over 50 home insurance agencies and brokerages in Ontario, with the aim of providing customers like you with a broad selection of quotes. You can compare them side by side via this website, which incentivizes our partners to offer you the cheapest rates available to secure your business. The very act of comparing quotes is what allows our quotes to be cheap.

The comparison process is free and takes no longer than five minutes. You can give it a try today, if you want. This would give you a good idea of what to expect when shopping for insurance and perhaps even motivate you to purchase coverage right then and there.

How to get the cheapest home insurance in Windsor

There are several ways to get cheap insurance in Windsor. Here’s what they are:

• Increase your deductible: The higher the deductible, the less you have to pay for your insurance. That’s because you’ll be paying more out of pocket if something happens to your home. Given that this can be a risky proposition, consider the prospect of increasing your deductible carefully.
• Install various alarm systems: If you live in a high-crime area with lots of break-ins and vandalism, consider installing a burglar alarm system, which will reduce the risk of both, lowering your premiums. Having good fire detectors would do the same, especially if your home is far away from any fire stations or hydrants, as mentioned above.
• Upgrade your electrical and plumbing systems: If your home is on the older side, then it may have outdated plumbing and electrical systems, which increase the risks of flooding and fire, respectively. Consider upgrading them if you have the money, as doing so will not only lower your premiums but improve your safety.
• Protect your home from severe weather and floods: Adding sump pumps, reinforcing your basement walls as well as renovating your roof can reduce the risk of weather-related damage, especially water damage. This will lower your premiums and make your home more reliable.
• Ask for a loyalty discount: If you’ve been with the same insurer for a long time, then you may be entitled to a loyalty discount. When you’re about to renew your policy, ask your insurer about discounts.
• Avoid monthly payments: Processing monthly payments results in higher administrative costs for insurers. By paying your premiums annually, you allow your provider to save on those costs, and thus, lower your premiums.
• Don’t over-insure your home: Having all the coverage in the world may make you feel secure, sure, but it will also cost you a lot of money. And the reality is that most of this coverage will never be of any use to you. For instance, if you don’t have any overly expensive belongings, such as artwork or jewelry, you may not require the ‘valuable possessions’ add-on. Evaluate your needs carefully and purchase only the coverage that meets them.
• Bundle up: If you have a vehicle, be sure to bundle your home and car insurance under one provider, as it will not only net you a good discount but simplify your payments.
• Comparison shop: Always compare prices and never settle on the first deal you receive. Check out RATESDOTCA to compare quotes from over 50 home insurance providers in your area and secure the cheap premium you deserve. It’s quick, and it’s free.