Get 7+ Home Insurance Quotes in 3 minutes
Let’s get Insurance Hunting!
1. Complete our home insurance form
We’ll ask you some quick questions about your property.
2. Insurance pros get to work, finding your best rate
View top quotes from insurance providers in your area
3. Select the best quote and find discounts
Pick the home insurance that fits your property
4. Ask us anything you want
We’re here to make sure you understand your policy
5. Finalize your home insurance rate
Confirm your application and start protecting your property!
Insurance Hunter uses advanced price comparison technology to find you the best home insurance quotes. Our team of insurance pros are available to answer your questions while you hunt for the cheapest home insurance on the market. Best of all, it’s entirely free.
Our goal is to find you the best coverage at the lowest price. We’ll also provide advice on how to save even more on your home insurance policy!
Comparing rates from a wide pool of companies is the easiest way to save on home insurance.
Why Insurance Hunter?
Home insurance pros
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- Get over 7 Home Insurance Quotes in less than 3 minutes
- Potentially save an average of $100+ on your home insurance
- Get quotes from all the top property insurers in your area
- Enjoy access to unbiased, fully-licensed insurance professionals
- Your personal information will never be sold or shared
- Quick, easy and free
Why do I need home insurance?
All homeowners should protect their property with a home insurance policy. Home insurance protects you against expensive damage to your property, as well as personal liability. Without proper coverage, you could be placed in a financial bind if any sort of hazard (fire, theft, water damage, and more) unexpectedly impacts your property, or if a guest is injured while visiting.
What does home insurance cover?
Home insurance has your back when you’re not looking. It’ll save you from the headaches associated with the top four issues related to home ownership - damage, theft, fire and liability.
Financially protect your home from damage
A home insurance policy covers the cost of repairing or rebuilding your property in the event of unforeseen damages caused by hazards such as fire, water, theft, vandalism and more.
Protect your possessions and appliances with contents coverage
Home insurance helps cover the cost of replacing your possessions if they get damaged or stolen. A comprehensive policy will protect items like furniture, appliances, electronics, musical instruments, jewelry, artwork, and many others.
Get financial protection from liability claims
If someone is hurt while on your property, they can sue you. Your home insurance will cover the costly legal and medical expenses you could be liable for.
You need home insurance to get a mortgage!
In Canada, banks won't extend loans to homeowners who don't have a home insurance policy in place. Lenders want to know you and your home will be financially protected during unforeseen circumstances.
What are the different types of home insurance?
Confused by home insurance coverage? You're not alone! Here's what you need to know:
Sometimes referred to as ‘named perils,’ this type of home insurance covers specific threats outlined in the policy. It is usually the least expensive coverage option, as it doesn't cover as many hazards as other, more complete plans. Basic coverage lets you choose which dangers you feel are most necessary to cover, although certain basic perils like fire and theft usually come standard.
This type of policy provides basic 'named perils' coverage for the contents inside your home while also including ‘broad’ protection for your home's physical structure. Broad coverage is more far-reaching than basic coverage and includes hazards like burglary damage and falling objects (read: trees). Broad coverage plans are usually priced higher than basic home insurance plans because they provide more thorough protection.
These plans provide the most inclusive coverage, which is why they’re also typically the most expensive. Comprehensive coverage protects against all kinds of perils to your home, as well as the contents within, making it perfect for homeowners who want to know they’re taken care of no matter what comes.
How do I prepare for a home insurance claim?
Home insurance claims can come on suddenly. To limit the stress involved in gathering all your documentation, it’s important to prepare ahead of time. Being prepared will result in quicker payouts and a hassle-free claims process. Follow the tips below and stay on top of your property game!
Actively maintaining records of your purchases and possessions will take the hassle out of a home insurance claim.
For big-ticket items, keep receipts in a safe place. Model numbers also go a long way toward identifying stolen items and proving ownership.
Getting footage of your property before and after damage is extremely beneficial to the insurance process. The more evidence the better!
Getting professional appraisals on antique or collectible items is key in value determination.
How do I make a home insurance claim?
At one point or another, most homeowners need to make a claim. Here's a walkthrough of the steps involved:
1. Locate your policy number
You’ll need this to get the ball rolling on your claim.
2. Prepare a detailed case of the damage or loss
Keeping a list and taking photos will help you remember the details of your claim. As you’re filing, you’ll be grateful to have a written record on hand to reference. It’s recommended you jot down these details as early as possible.
3. Locate the police or fire report
Official reports add substance to your property claim. If you received a report in the wake of damage, burglary or injury, keep it at the ready.
4. Gather receipts for expensive items
If equipment or appliances were damaged, you need to state their make and model. Photos also back up your contents claims.
5. Contact your insurance company
Have all this information ready to go and phone up your claims representative. They’re there to help you through the claims process and provide invaluable advice.
What determines my home insurance rate?
Insurance companies use a wide range of factors to determine how much your home insurance will cost. Common factors used to calculate your rate include:
Your postal code
You’ll be charged more for home insurance if you live somewhere near a natural hazard, like a river, or in a neighbourhood with a high crime rate.
The heating system, electrical wiring and plumbing in your home
The age of your heating and plumbing will impact your premiums. It’s not just that older equipment has more wear and tear - it’s also that older equipment was built to less strict regulations than new equipment.
The type and age of your property
The size, type and condition of your property affects how much you pay for coverage. It also matters if you have certain amenities, like a pool, or multiple structures on the same property.
Your history of claims
A client with a clean claims history will typically pay less for coverage than someone who has made claims in the past. Some home insurance providers offer claims forgiveness discounts to prevent rates from increasing after your first claim.
Proximity to a fire station or fire hydrant
Nearby fire stations and hydrants can help limit the damage caused to your home. Insurers will take that into account when setting a price.
The projected cost to rebuild your house
The greater the potential expense to the insurer, the greater the cost of the premium. The same is true for the value of the contents within the home.
Am I legally required to have home insurance?
It may be surprising, but home insurance is not mandatory. It is, however, extremely rare to own a home without having some sort of coverage to protect your property. Insurance is the best way to safeguard one of the largest purchases you’ll ever make, including all the contents inside. And even though it isn’t technically mandatory, financial institutions usually require proof of insurance when you look to take out a mortgage.
How can I get a cheap home insurance rate?
Getting cheap home insurance is easy, if you know where to look.
- Compare home insurance quotes: Seeing all your options in one place makes it easy to choose the best deal.
- Bundle up: Insuring multiple assets with one company, known as bundling, is a common way to get a discount. Combining property and auto insurance is the most popular type of bundling.
- Raise your deductible: When your deductible goes up, your premium goes down.
- Security systems: When you make the effort to protect your property your insurance provider may reward you. Many insurers offer discounts when you have an alarm system.
Ask us about available home insurance discounts when obtaining your quote.