{"id":179984,"date":"2025-06-23T06:20:00","date_gmt":"2025-06-23T10:20:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=179984"},"modified":"2026-05-08T15:52:47","modified_gmt":"2026-05-08T15:52:47","slug":"cheap-home-insurance-rates-canada","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/cheap-home-insurance-rates-canada\/","title":{"rendered":"How to Pay Less for Your Home Insurance"},"content":{"rendered":"\n<p><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/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\n\n\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\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-bundle-your-home-and-car-insurance\">1. Bundle Your Home and Car Insurance<\/h2>\n\n\n\n\n\n<p>bundling your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car<\/a> and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/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:\/\/mp-2702.milesopedia.dev\/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\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-increase-your-home-insurance-deductible\">2. Increase Your Home Insurance Deductible<\/h2>\n\n\n\n<p>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\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-maintain-and-improve-your-home\">3. Maintain and Improve Your Home<\/h2>\n\n\n\n<p>When your home is well maintained, you&#8217;ll generally pay less for <a href=\"https:\/\/mp-2702.milesopedia.dev\/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\n\n\n<p>Here are some examples of improvements that affect your home insurance premium:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\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\n\n\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\n\n\n<li>Electricity: Replacing the electrical system reduces the risk of fire, and thus your insurance premium.<\/li>\n\n\n\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><\/div>\n\n\n\n<p>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\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-compare-home-insurance-quotes-online\">4. Compare Home Insurance Quotes Online<\/h2>\n\n\n\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:\/\/mp-2702.milesopedia.dev\/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\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-pay-your-insurance-premium-for-the-year-in-advance\">5. Pay Your Insurance Premium for the Year in Advance<\/h2>\n\n\n\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\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\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:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/\">welcome bonuses<\/a>.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-contact-a-home-insurance-broker\">6. Contact a Home Insurance Broker<\/h2>\n\n\n\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:\/\/mp-2702.milesopedia.dev\/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\n\n\n<h2 class=\"wp-block-heading\" id=\"h-7-maintain-a-good-credit-score-and-authorize-a-credit-check\">7. Maintain a Good Credit Score and Authorize a Credit Check<\/h2>\n\n\n\n<p>Did you know that <a href=\"https:\/\/mp-2702.milesopedia.dev\/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:\/\/mp-2702.milesopedia.dev\/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:\/\/mp-2702.milesopedia.dev\/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:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/improve-your-credit-score\/\">improve your credit rating<\/a>, follow the advice given in our guides.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-8-do-not-file-claims-for-small-incidents\">8. Do Not File Claims for Small Incidents<\/h2>\n\n\n\n<p>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\n\n\n<p>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\n\n\n<h2 class=\"wp-block-heading\" id=\"h-online-home-insurance-for-guaranteed-savings\">Online Home Insurance for Guaranteed Savings<\/h2>\n\n\n\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:\/\/mp-2702.milesopedia.dev\/en\/compare-home-insurance\/\">home insurance comparator<\/a> to start comparing home insurance quotes today.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-about-home-insurance\">Frequently Asked Questions About Home Insurance<\/h2>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"whats_the_cheapest_home_insurance_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat&#8217;s the cheapest home insurance?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The cheapest home insurance is basic <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/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\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"whats_the_best_home_insurance_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat&#8217;s the best home insurance?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The best <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/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\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_can_you_pay_less_for_home_insurance_online_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow can you pay less for home insurance online?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The cost of your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/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:\/\/mp-2702.milesopedia.dev\/en\/compare-home-insurance\/\">comparing home insurance quotes<\/a> online and bundling your home and auto insurance.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_average_cost_of_home_insurance_at_quebec_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is the average cost of home insurance at Quebec?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The average price of a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/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\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"are_there_any_home_insurance_comparators_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAre there any home insurance comparators?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Of course, there are online comparators. In fact, at Milesopedia, we offer a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compare-home-insurance\/\">home insurance comparison<\/a> tool.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Want to know how to save on your home insurance premium? 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