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Personalized home insurance in Windsor for less

Even though it’s not mandatory, having good home insurance in Windsor offers financial protection for your biggest asset. You can’t predict a basement flood, lightning damage to your roof, or someone slipping on your property and suing. Having proper coverage ensures your home and family are protected.

We'll help you find the best home insurance coverage and rates in Windsor to help you save money and protect your home. We can do that because of our large selection of home insurance companies. We’ll help you choose a personalized policy to meet your unique needs and shop and compare the lowest rates. So you'll get coverage designed for your specific needs for a great price.

How does home insurance work in Windsor?

The process and rules for getting home insurance are the same in Windsor as getting Ontario home insurance coverage. It’s not mandatory, but most people require it to qualify for a mortgage. Lenders want to see proof of coverage before issuing a loan.

Residents can get a policy through private insurance companies and brokers. You have more options when using a broker. Most residents opt for comprehensive coverage, but basic and broad plans are available. You also have significant options to customize your plan when comparing quotes. You can add all types of coverage to increase your level of protection. Keep in mind, your coverage selection will affect how much you pay.

The FSRAO oversees all licensing, rules, and regulations. Before choosing an insurer, make sure they are fully licenced.

How to get home insurance quotes in Windsor

Windsor residents can compare home insurance quotes from Canada's top providers in just a couple of minutes. Follow these easy steps:

1) Start your quote

Enter some info to get started.

2) Enter your home details

Tell us about your home.

3) Compare best rates

See prices from the leading insurers.

Choose your policy

Select the lowest rate and get insured.

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5-star Windsor home insurance

Rated 4.7 out of 5 stars in 1463 Google reviews

We’ve helped thousands of homeowners find the right home insurance for their needs.

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Kevin St Clair

2024-11-28

Betsy was a genuine pleasure to deal with considering the circumstances. Thanks again for all your help

Anthony Gomez

2024-11-27

Today, I want to take a moment to recognize Monica Chan, an exceptional insurance broker who has consistently gone above and beyond in her service to me. Monica's dedication to punctuality and consideration has been truly remarkable. She has always been prompt in responding to my inquiries and has never hesitated to offer her expertise and guidance. With Monica as my broker, I have never once felt worried about anything going wrong. Her proactive approach and attention to detail have provided me with peace of mind, knowing that my insurance needs are well-taken care of. Throughout our interactions, Monica has been incredibly helpful, patiently explaining complex insurance concepts and ensuring that I fully understand my coverage options. I wholeheartedly recommend Monica Chan to anyone seeking an insurance broker who genuinely cares about their clients' best interests. Her commitment to excellence and her willingness to go the extra mile make her an invaluable asset in the insurance industry.

Phyllis Baker

2024-11-20

Absolutely amazing service the broker Todd worked on my quote fast I recommend this company to anyone very professional I’m so glad I called them .. Thank you for your great work

Charles Cameron

2024-11-15

Betsy Bannon has been nothing short of amazing at helping us through the complex process of acquiring business insurance. She quickly understood our needs and expertly guided us to the right solution. From start to finish, she made us feel like her most important client which gave us the confidence that we were in great hands. We highly recommend Betsy!

Jermaine M

2024-11-05

I had a great experience with Patrick Vuong. He went above and beyond to help me update last minute changes to my policy in order to qualify for a government grant. Staying back late and coming in early the next day to help finishes the changes. Very kind and professional!

Mark Gaffney

2024-11-05

Betsy Bannon is a professional extremely friendly and knowledgeable and made my experience wonderful! Highly recommend her for any insurance needs. Mark Gaffney

fabian ward

2024-11-04

Great service! Prompt and very helpful! Thanks to Todd allan for really helping me out!

Stephen Mcfadden

2024-11-01

Great experience working with Sohel Rahman, appreciate his honest and can-do attitude. Highly recommend!

How much does home insurance cost in Windsor?

The cost of home insurance premiums in Windsor can range anywhere from $700 to $2,000 or more in Windsor. Based on our customer premiums, the average cost for home insurance in Windsor is $1,538 per year or $128 per month. This is more than $200 less than the provincial average of $1,773.

Every house is unique and has different policy requirements. Everything from the property size and value, location, personal contents, the plan you choose and even your insurer can affect how much you will pay. Searching for quotes is the most effective way to get an accurate estimate of your premiums. Is it time to renew? Give us a call first to explore your options.

What factors affect Windsor home insurance costs?

Home insurers consider a variety of factors when determining your premiums. They use the following information to predict your level of threat and the potential size of a future claim. Here are the top factors an insurance provider will consider when determining home insurance costs in Windsor:

Dwelling type and square footage
Your location (proximity to a fire hydrant, fire hall, emergency services)
Type and quality of construction
Property age
Roof, electrical (aluminum wiring), plumbing, heating systems
Property value and home replacement cost
How your home is used (business, Airbnb)
Liabilities (finished basement, pool, trampoline, pets)
Previous claim history
Extra protection for your house or liability - for example, adding comprehensive endorsements, or umbrella insurance
Credit score (optional)

How to save more on your Windsor home insurance policy

The cost to run your household keeps going up. So naturally, it's important to seek out ways to keep your costs down. This includes your insurance.

Here are some effective ways to reduce how much you pay for home insurance and get cheaper premiums in Windsor:

Use a broker: Work with a broker to compare home insurance quotes and explore your options for coverage.
Shop around: Comparison shop regularly to find cheaper coverage from the best insurance companies. Don’t let your policy automatically renew without first exploring your options.
Combine coverage: Bundle your home and Windsor car insurance. Ensure both are covered.
Discounts: Ask your insurance company about applicable home insurance discounts (mortgage-free, smoke-free, security system)
Stay claims-free: This helps you keep costs down now and in the future.
Pay your policy annually instead of monthly: This will save you on interest and administrative fees.
Have a higher deductible: This will lower your monthly payment and premiums.
Get an insurance quote annually: A lot can change in a year. Make sure you maximize discounts and savings.

Windsor home insurance FAQs

What types of home insurance can you get in Windsor?

Every Windsor homeowner has unique home insurance needs. There are four main types of policies for you to choose from:

Comprehensive home insurance: Also referred to as all perils, it protects your home and contents against all threats unless they are specifically listed as exclusions.
Broad form home insurance: You have protection against all risks. Your content coverage is only covered for named perils. You choose which threats are covered.
Basic (named perils) home insurance: Also called named perils, this covers you for a defined list of threats. You can choose the perils you have coverage for and what you do not want to include in your plan.
No Frills: This plan is for nonstandard properties that do not qualify for other types of coverage.

You can further customize your plan by adding endorsements. Here are some of the additional types of protection you can add:

Overland flood insurance: This is especially important if you live by a lake or a river.
Sewer backup insurance: Protect your home against sewer issues.
Earthquake insurance: While rare, earthquakes can happen in Windsor.
Identity theft insurance: Get extra protection from fraud.
Lock replacement: Get compensated if you have to replace a damaged lock after a break-in.
Freezer food replacement: Have a power outage? Get compensated for spoiled food.
Collectibles: Insure your collectible cards, art, sports equipment, and more.
Jewellery insurance: Ensure your valuables are covered.
Increased plan limits

Why should you get Windsor home insurance?

There are several valid reasons why you need insurance, even though it's not legally required for Windsor homeowners:

Your mortgage lender requires it as a condition of your agreement.
It is one of a few financial products that offer protection against loss.
You have protection against liability (just in case you damage a person's property, or they get hurt at your house).
You have peace of mind in knowing your house has coverage and is protected.

What is a good time to get a home insurance quote in Windsor?

There is never a wrong time for people in Windsor to assess your home insurance options and compare quotes. You can get a free quote anytime with a home insurer. Here are some of the most common situations when our customers reach out to us to check out their options:

Purchasing a home
Policy renewal time
Moving
Transitioning from a renter to an owner
Purchasing an income property
Renovations (make sure you have home renovation insurance)
You are making changes to your coverage limits

What kind of risks to homeowners are specific to the Windsor area?

The Windsor-Essex area is prone to severe weather. If you own a home in Essex County, you should ensure your home is protected against these threats and have the proper insurance in place. Threats include:

Flooding: The city has experienced a series of floods in recent years. Its proximity to Lake Erie, Lake St. Clair, and the Detroit River increase the risk. Inquire about overland flooding plans to protect your dwelling.
Tornadoes and thunderstorms: The city's location makes it a candidate for severe thunderstorms, high winds, and even tornadoes. It has the highest number of days with thunderstorms and lightning in Canada. Ensure your home has protection against these types of weather-related threats.

What does house insurance cover in Windsor?

Home insurance plans, similar to condo insurance and renters insurance, provide you with protection against a series of common perils and specific threats for Windsor. This is the industry standard. Depending on your plan, it covers:

Fire and smoke damage
Wind, hail, and lightning
Theft and break-ins
Vandalism and property damage
Civil unrest and explosions
Damage caused by falling objects

What is not covered by home insurance cover in Windsor?

All policies have exclusions. There are limits to your policy. Some weather events and actions are not protected by your plan. They include:

Overland flood water damage
Water damage from melting snow, sewer backup, and other causes
Home businesses
Earthquakes, landslides, and other “Acts of God”
High-ticket items (jewelry, art, collectibles)
Pest and rodent damage
Regular upkeep – normal wear and tear
Negligence
Damaged because of criminal acts
Dangerous dogs and exotic pets

You can get extra coverage from most insurance companies to cover some of the above.

About home insurance and living in Windsor

Windsor is the southernmost city in Ontario. It’s directly across the river from Detroit, making it a busy border town. Regarded as the “Automotive Capital of Canada” the city is known for manufacturing and transportation. There are well over 230,000 residents who call the area home.

The city has over 20 unique neighbourhoods - from rural properties to new modern communities. Whether you’re looking for a family home, condo, townhome, or other dwelling types, you can get coverage with ThinkInsure.

Here is a breakdown of the number and types of dwellings in the region:

Type of dwelling	Percentage
Number of private dwellings	132,910
Single-detached houses	68.40%
Apartment buildings 5+ stories	9.80%
Apartment buildings with less than 5 stories	8.60%
Duplex	3.00%
Other dwellings	10.10%

Source: Statistics Canada

Saving on your home insurance in Windsor is easy!

Live in Windsor and want to save money on your home insurance? Are you covered? Lowering your rates is only a quote away. Shop with us to get an online quote anytime. It only takes a few minutes. Feel free to speak with our experts to find even more savings. As an insurance industry leader, we'll help you find the best insurance company for your specific needs.

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2024-12-03

Windsor Home Insurance

Compare Windsor home insurance quotes. Save an average of $235* per year with us!

Compare Windsor home insurance quotes from top insurers

Personalized home insurance in Windsor for less

How does home insurance work in Windsor?