St. Catharines Home Insurance

Home Insurance In St. Catharines

Your home is your biggest investment. This is where your loved ones are, where you make the most memories, and where your personal belongings live. It only makes sense to ensure your home and its contents are properly protected with the right St. Catharines home insurance.

That's where our St. Catharines insurance brokers can help. We work with Canada's most well-known insurance companies and will provide you with a wide variety of insurance options, as well as explain coverages to you to ensure proper protection is put in place. Our insurance experts are here to provide you with peace of mind.

Why Do I Need Home Insurance In St. Catharines?

You need home insurance in St. Catharines so that in the event of a loss, your home, contents, and personal belongings are properly protected. In the event of damage to your home due to high winds, fire, or theft, your St. Catharines homeowners insurance policy will pay for the repair or replacement of damage done. Without St. Catharines homeowners insurance, you would have to pay to replace your home, contents, and personal belongings out-of-pocket. Don't be stuck without St. Catharines home insurance.

How Much Home Insurance Do I Need For My Home in St. Catharines?

You need enough homeowners insurance to replace your St. Catharines home and its contents should you experience a loss. What is the replacement value of your St. Catharines home? How much will it cost to replace all of your personal belongings such as clothing, furniture, and appliances? Do you have valuables such as art or jewellery that you want additional coverage for? A Morison Insurance broker will help you answer these questions to determine how much St. Catharines homeowners insurance you need to ensure you are properly protected.

If you are unsure if your have enough coverage, a great place to start is by completing a home inventory list. This list will help you keep track and document all the important items in your home, as well as their value.

Is Home Insurance In St. Catharines Mandatory?

Although house insurance in St. Catharines is not mandatory, it is strongly recommended to have insurance coverage for your home. If you do not have a St. Catharines home insurance policy in place and you experience a loss such as a fire, you would have to pay out of pocket for the damages and for your personal belongings to be replaced. With the right house insurance, you would be properly protected.

It is also important to note that if you have a mortgage on your home, your mortgage lender will likely require proof of insurance.

Why Should I Use A Broker For St. Catharines Home Insurance?

There are many benefits to using an insurance broker to get St. Catharines home insurance. Not only will a broker help you get the best homeowners insurance policy in place, but they will provide professional customer service, insurance services, insurance expertise, and so much more. Brokers have access to a wide range of insurance services and will provide you with multiple competitive quotes from a large selection of insurance carriers.

For competitive rates and the ideal insurance coverage for St. Catharines homeowners insurance, speak with the insurance experts at Morison Insurance.

What Types Of Home Insurance Can You Get In St. Catharines?

There are different types of home insurance coverages that you can get for your St. Catharines home. These coverage types include comprehensive insurance, basic or named perils insurance, broad insurance, and no frills insurance coverage.

Comprehensive - Comprehensive home insurance policies provide coverage for the building and its contents for all risks except for those specifically excluded from your policy. A comprehensive policy will provide coverage for fire, lightening, theft, aircraft or vehicle impact, and broken windows.

Basic or Named Perils - This type of policy only covers the perils that are specifically stated on your St. Catharines home insurance policy.

Broad - A Broad insurance policy is a middle tear coverage that provides comprehensive coverage on the big-ticket items such as the building, as well as named perils coverage on the home's contents.

No Frills - A No Frills policy provides coverage for properties that don’t meet normal insurance standards.

Trying to determine which St. Catharines home insurance policy is right for you? Contact our award-winning insurance brokerage where we will offer helpful customer service to determine the ideal insurance coverage for your individual needs.

What Does St. Catharines Home Insurance Cover?

St. Catharines home insurance will provide coverage for your home, detached structures on your property like garages or sheds, personal belongings like furniture, electronics, appliances, and clothing, and legal liability coverage.

If you require additional coverage to ensure you, your home, and your personal belongings are properly protected, speak with the insurance professionals at Morison Insurance. We will help ensure your biggest investment is properly protected.

What Does St. Catharines Home Insurance Not Cover?

Depending on the type of St. Catharines home insurance policy you purchase, there will be certain risks that are not covered. A few common things that are not covered by a normal home insurance policy include earthquakes, frozen pipes, vacant properties, certain valuables up to a specified limit, and damage from poor upkeep of the property. Coverage for risks such as overland water protection or additional jewellery coverage may be added to your policy at an additional cost for extra protection. Speak with a licensed broker who will help determine what coverages you need to ensure you are protected.

How Much Does Home Insurance Cost In St. Catharines?

Annual home insurance rates in St. Catharines can range between $700 and $3,500. The annual cost of home insurance in St. Catharines is dependent on many factors including the replacement cost of your home, the square footage of the home, the physical structure of the home, the age of your roof, the type of electrical, plumbing, and heating in the home, your claims history, the type of insurance coverage selected, and much more.

Shown below are some examples of annual house insurance rates for St. Catharines homes from quotes provided for general information. Please note that the prices below will vary depending on your personal circumstances. Speak with a broker who has access to a selection of insurance carriers and will get you a competitive insurance quote that is best tailored to your individual insurance requirements, and will make sure you get all the house insurance discounts that you qualify for.

*Each quote above was provided with the assumption that there is no more than one mortgage registered to the property.

How To Save On Home Insurance in St. Catharines?

There are many ways to save on your St. Catharines home insurance. Some of the most popular ways to save include bundling your home and auto policies with the same insurance provider, having home insurance discounts applied to your policy such as the mortgage-free discount or monitored alarm system discount, increasing your deductible, keeping your claims number low, updating your roof, electrical, and plumbing on your home, and using an insurance broker who will compare quotes and insurance rates.

Let our Morison Insurance brokers help you save some of your hard-earned money on your St. Catharines house insurance.

Where Can I Find Reviews Of St. Catharines Home Insurance?

You can find reviews of St. Catharines home insurance on Google, Facebook, and Yellow Pages. Reading reviews from actual insurance customers is the best way to learn more about the insurance brokerage, their customer service skills, their variety of insurance product offerings, and so much more.

5-star Google review posted by St.Catharines resident, James D.

When Should I Get A Home Insurance Quote in St. Catharines?

You should get a home insurance quote before your insurance policy renewal date or before your new home's closing date. To help ensure you receive the best coverage at a competitive insurance rate, be sure to give your broker a bit of notice so that they can compare St. Catharines home insurance quotes and provide insurance options from leading Ontario insurance providers.

How Do I Get a St. Catharines Home Insurance Quote?

You can get a home insurance quote for your St. Catharines home by contacting Morison Insurance. We are a family-owned and operated insurance brokerage committed to providing you with the dedicated service and fantastic experience that has earned us our reputation as the best insurance brokerage in St. Catharines and Ontario. Get started today by calling us at 1-800-463-8074 or by filling out the form on this page. You'll be happy you did!

This content is written by our Morison Insurance team. It is provided for general information only. Insurance needs differ from person to person, and this article is therefore not a substitute for professional advice about your individual insurance needs which can be obtained by speaking to one of our brokers.