{"id":179984,"date":"2025-06-23T06:20:00","date_gmt":"2025-06-23T10:20:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=179984"},"modified":"2025-07-01T09:57:55","modified_gmt":"2025-07-01T13:57:55","slug":"cheap-home-insurance-rates-canada","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/cheap-home-insurance-rates-canada\/","title":{"rendered":"How to Pay Less for Your Home Insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p><a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">Home insurance<\/a> is not required by law in Canada, but it is required if you have a mortgage through a lender. However, whether you rent or own, have a mortgage or not, home insurance protects your investment and personal property against natural disasters and unexpected events such as theft, vandalism, water damage or fire.<\/p>\n<p>Insurance premiums generally increase every year, especially after a claim. But did you know that there are many ways to pay less for your home insurance? That&#8217;s what we&#8217;ll explain in this article.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"175447,179973,179990,179994,179962,179969\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t\t\t\t<button type=\"button\" class=\"deferred_button\" data-page=\"1\" data-per_page=\"4\">\n\t\t\t\t<i class=\"fas fa-spinner-third fa-spin\"><\/i>\n\t\t\t\tLoad More\t\t\t<\/button>\n\t\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;1. Bundle Your Home and Car Insurance&#8221; css=&#8221;&#8221; el_id=&#8221;1_bundle_your_home_and_car_insurance&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>bundling your <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">home insurance<\/a> with the same insurance company gives you a discount. Depending on your insurer, this trick can reduce your premiums by 10-20%. For example, with <a title=\"ClicAssure\" href=\"https:\/\/milesopedia.com\/en\/go\/clicassure\/\" rel=\"noindex\">ClicAssure<\/a>, you can save up to an additional 15% when you combine your home and auto insurance.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;2. Increase Your Home Insurance Deductible&#8221; css=&#8221;&#8221; el_id=&#8221;2_increase_your_home_insurance_deductible&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">In the event of a claim, the deductible is the amount you agree to pay out of your own pocket. For example, if a $4,000 loss occurs and your deductible is $500, your insurer will pay $3,500. By increasing your insurance deductible, your insurance premium will be reduced. Of course, your deductible will be higher in the event of a claim. But if you take good care of your home, the likelihood of a claim is reduced. Contact your insurer to find out about your deductible options.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;3. Maintain and Improve Your Home&#8221; css=&#8221;&#8221; el_id=&#8221;3_maintain_and_improve_your_home&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">When your home is well maintained, you&#8217;ll generally pay less for <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/cancel-home-insurance-canada\/\" target=\"_blank\" rel=\"noopener\">home insurance<\/a>. Of course, some events are beyond your control. But regular maintenance and home improvements can reduce your insurance costs.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Here are some examples of improvements that affect your home insurance premium:<\/p>\n<ul>\n<li>Roof: The condition and age of your roof directly affect your insurance premium, as the risk of water damage is higher. Depending on the condition, repair or replace your roof and contact your insurer to notify them.<\/li>\n<li>Plumbing: Replacing old lead, terracotta or galvanized steel pipes, which are more likely to leak or break (compared to PVC or copper pipes), will reduce your insurance premium. In addition, installing a backwater valve or a water leak detector reduces the risk of water damage.<\/li>\n<li>Electricity: Replacing the electrical system reduces the risk of fire, and thus your insurance premium.<\/li>\n<li>Alarm system: A centrally controlled alarm and anti-theft system means lower insurance premiums, because the risk of damage is lower.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Although these improvements cost money, you&#8217;ll save money in the long run. You&#8217;ll have to deal with less damage, and the likelihood of insurance claims will be reduced. Contact your current insurer to find out about priority maintenance and upgrades to reduce your insurance premium.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"137507,210596\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;4. Compare Home Insurance Quotes Online&#8221; css=&#8221;&#8221; el_id=&#8221;4_compare_home_insurance_quotes_online&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Don&#8217;t renew your home insurance policy without obtaining and comparing several quotes. In fact, you can use our <a href=\"https:\/\/milesopedia.com\/en\/compare-home-insurance\/\">online comparator<\/a> to compare home insurance quotes based on your specific needs. That said, insurance is a complicated business. So don&#8217;t hesitate to talk to a professional.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;5. Pay Your Insurance Premium for the Year in Advance&#8221; css=&#8221;&#8221; el_id=&#8221;5_pay_your_insurance_premium_for_the_year_in_advance&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Prepaying your home insurance premium for the year is one of the easiest ways to reduce your insurance premium. In fact, some insurance companies offer a discount if you pay your premium once a year rather than once a month. Check with your insurer.<\/p>\n<p>[\/vc_column_text][vc_message css=&#8221;&#8221;]<\/p>\n<p><strong>Tip<\/strong>: Some home insurance companies accept credit card payments. Others accept credit card payment only when you pay your home insurance premium in a lump sum. Where applicable, you can earn reward points and even unlock generous <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/\">welcome bonuses<\/a>.<\/p>\n<p>[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;6. Contact a Home Insurance Broker&#8221; css=&#8221;&#8221; el_id=&#8221;6_contact_a_home_insurance_broker&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>To help you with your research and quote requests, you can contact a property and casualty insurance broker like <a title=\"ClicAssure\" href=\"https:\/\/milesopedia.com\/en\/go\/clicassure\/\" rel=\"noindex\">ClicAssure<\/a>. Insurance brokers have access to several insurance companies and can present you with the best offer. Compared to an insurance agent, who only has access to the products of the insurer in question. Plus, insurance brokers often have access to exclusive discounts.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;7. Maintain a Good Credit Score and Authorize a Credit Check&#8221; css=&#8221;&#8221; el_id=&#8221;7_maintain_a_good_credit_score_and_authorize_a_credit_check&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Did you know that <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/can-insurance-companies-check-credit-score-canada\/\">your credit rating affects your insurance premium<\/a>? In fact, a <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/good-credit-score-canada\/\">good credit rating<\/a> confirms to the insurer that you should pay your premium on time. In addition, you&#8217;ll seem less likely to file a claim. In short, if you have a <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/good-credit-score-canada\/\">good credit rating<\/a>, authorize your insurer to perform a credit check. That way, you can pay less for your home insurance. However, if you want to <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/improve-your-credit-score\/\">improve your credit rating<\/a>, follow the advice given in our guides.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"179758,116403,210569,86318\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;8. Do Not File Claims for Small Incidents&#8221; css=&#8221;&#8221; el_id=&#8221;8_do_not_file_claims_for_small_incidents&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Insurance deductibles generally range from $500 to $1,000. If a minor incident occurs, refrain from filing a claim. Claims remain on your file for six years, increasing your premium each year. Plus, you&#8217;ll lose all the discounts you&#8217;ve earned for avoiding claims.<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">For example, if you have a $500 deductible and a $1,000 claim, you&#8217;ll have to pay $500 toward the deductible. Secondly, your home insurance premium will increase over the next few years. For such a small claim, is it really worth it?<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Online Home Insurance for Guaranteed Savings&#8221; css=&#8221;&#8221; el_id=&#8221;online_home_insurance_for_guaranteed_savings&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In short, paying less for your home insurance is generally a good idea. But be careful not to reduce your insurance coverage or increase your deductible beyond your budget. This could pose a problem in the event of a claim. Do your research, and don&#8217;t hesitate to talk to your insurer. Finally, try our <a href=\"https:\/\/milesopedia.com\/en\/compare-home-insurance\/\">home insurance comparator<\/a> to start comparing home insurance quotes today.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Frequently Asked Questions About Home Insurance&#8221; css=&#8221;&#8221; el_id=&#8221;frequently_asked_questions_about_home_insurance&#8221;][vc_toggle title=&#8221;What&#8217;s the cheapest home insurance?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>The cheapest home insurance is basic <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">home insurance<\/a>, because it offers limited protection. Although more affordable, you should be prepared to cover the cost of damage not included in your home insurance policy.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What&#8217;s the best home insurance?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>The best <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">home insurance<\/a> to cover your home and personal belongings is comprehensive home insurance. However, it&#8217;s the most expensive type of home insurance.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How can you pay less for home insurance online?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>The cost of your <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">home insurance<\/a> varies according to a number of criteria, including where you live, the type of property you own, and the value of your home and personal belongings. Ways to save money on your home insurance include increasing your deductible, <a href=\"https:\/\/milesopedia.com\/en\/compare-home-insurance\/\">comparing home insurance quotes<\/a> online and bundling your home and auto insurance.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What is the average cost of home insurance at Quebec?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>The average price of a <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/home-insurance-know-how-canada\/\">home insurance<\/a> policy varies according to several criteria, such as the location and type of property (house, condo, rental), your type of home insurance (basic, extended, comprehensive), and so on. The average cost of home insurance in Quebec and Ontario is $87 ($1044\/year) for a house, $31\/month ($372\/year) for a condo and $23.50\/month ($282\/year) for a rental.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Are there any home insurance comparators?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Of course, there are online comparators. In fact, at Milesopedia, we offer a <a href=\"https:\/\/milesopedia.com\/en\/compare-home-insurance\/\">home insurance comparison<\/a> tool.<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Want to know how to save on your home insurance premium? 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