Belleville home insurance may not be legally required, but there are still many excellent reasons to get it if you’re a homeowner. A home insurance policy can cover damage or loss of your home, personal possessions, and attached buildings like your garage or tool shed.
It can even cover you if accidents in your home cause injuries or damage to your property. Home insurance policies have three varying levels of coverage, each with standard inclusions and optional add-ons for protection from more risks. Learn how Belleville home insurance works, the reasons why you should get it, and how to get your preferred coverage at affordable quotes.
How Does Home Insurance Work In Belleville?
When you get a home insurance quote in Belleville with MyChoice, you’re receiving a comprehensive policy that goes beyond just the basics — including Guaranteed Replacement Cost, which ensures your home will be rebuilt to its original condition even if the cost exceeds your dwelling coverage limit.
Your quote is made up of two main pillars: Base Residence / Dwelling (covering your home, contents, liability, and standard perils) and Enhanced Water Protection (covering floods, sewer backup, and groundwater seepage). Together, they form a complete protection package for your property and belongings.
| Coverage Type | What’s Included? | Average Annual Home Insurance Premium |
|---|---|---|
| Base Residence / Dwelling | – Dwelling Coverage – Outbuildings (detached structures) – Contents – Personal Liability – Voluntary Medical Payments – Voluntary Property Damage – Basic Water Damage | $1,390 |
| Enhanced Water Protection | – Sewer Backup Endorsement – Ground Water Endorsement – Overland Water Endorsement – Broad Water Damage Endorsement | $277 |
| Coverage Total: | $1,667 |
*A comprehensive home insurance policy protects your property and belongings against all perils except those specifically excluded by the policy. This typically includes: fire and smoke damage, wind and hail damage, lightning strikes, burst pipes (depending on the situation), falling objects (like trees or branches), theft and burglaries, and vandalism.
Base Residence / Dwelling Coverages:
| Coverage Type | Coverage Details | Average Coverage Amount/Limit |
|---|---|---|
| Dwelling Coverage | Covers the cost to rebuild your home after insured damage. | $1,000,000 |
| Outbuildings (detached structures) | Covers the cost to rebuild the detached structures (i.e. garages, sheds, fences). | $150,000 |
| Contents | Protects your belongings from damage or loss due to covered perils. | $750,000 |
| Personal Liability | Legal & medical costs if someone sues you for injury/property damage. | $1,000,000 |
| Voluntary Medical Payments | Pays limited medical expenses if someone is accidentally injured on your property, regardless of fault | $4,500 |
| Voluntary Property Damage | Covers small amounts for accidental damage you cause to someone else’s property (or damage caused by a minor in your care | $1,500 |
| Basic Water Damage | Protects against sudden and accidental internal water damage (e.g., burst pipes or overflowing appliances | $1,000,000 |
*Please note that the average coverage limits in the tables above and below are based on the dwelling coverage of $1 million and can vary by house and carrier.
Enhanced Water Protection:
| Coverage Type | Coverage Details | Average Coverage Amount/Limit |
|---|---|---|
| Sewer Backup Endorsement | Pays for damage caused by sewage or septic systems backing up into the home. | $100,000 |
| Ground Water Endorsement | Adds protection against damage from ground‑water seepage, which is not covered by standard policies. | $250,000 |
| Overland Water Endorsement | Covers damage from freshwater entering your home from rivers, lakes or heavy rainfall. This is typically optional and recommended for homes in flood‑prone areas. | $250,000 |
| Broad Water Damage Endorsement | A catch‑all rider that may combine overland water, sewer‑backup and ground‑water coverage and may also include protection for seepage or ice‑damming (depending on the insurer) | $250,000 |
*MyChoice recommends getting the enhanced water protection package if you live in Belleville, as it’s identified as one of the most flood-prone cities in Ontario in our latest study.
Home Insurance Price in Belleville by Dwelling Type
Below is the average home insurance price in Belleville, categorized by dwelling type:
| Type of Dwelling | Average Annual Home Insurance Premium |
|---|---|
| Detached | $1,667 |
| Semi-Detached | $1,534 |
| Freehold Townhouse | $1,434 |
Does Where You Live in Belleville Affect Your Home Insurance?
Yes, where you live in Belleville can affect your home insurance. Home insurance companies consider several different factors before offering you quotes, and one important factor is where you live in Belleville. Here are some ways that where you live in Belleville may affect your home insurance premiums:
Postal Codes With the Most Expensive Home Insurance in Belleville
K8R and K8P are the most expensive postal codes in Belleville for home insurance.
| Postal Code | Average Annual Home Insurance Premium |
|---|---|
| K8R | $1,701 |
| K8P | $1,694 |
Postal Codes With the Least Expensive Home Insurance in Belleville
K8N is the least expensive postal code in Belleville for home insurance.
| Postal Code | Average Annual Home Insurance Premium |
|---|---|
| K8N | $1,629 |
How Belleville Home Insurance Rates Compare to Nearby Cities
Belleville stands out with some of the highest home insurance rates in Eastern Ontario, ranking above nearby cities such as Kingston, Brockville, and Peterborough.
| City | Average Annual Home Insurance Premium |
|---|---|
| Belleville | $1,667 |
| Kingston | $1,132 |
| Brockville | $1,246 |
| Cornwall | $1,501 |
| Prince Edward County | $1,465 |
| Peterborough | $1,204 |
How Belleville Home Insurance Rates Compare to Provincial Average
The average annual cost of home insurance in Belleville is $1,667, which is higher than the provincial average. Note that this average can go up or down depending on several factors in your home’s location, such as access to emergency services, the quality of local infrastructure, and local real estate values.
For example, if your home is in a neighbourhood with a lower crime rate, has better roads nearby, or is close to fire hydrants, your home insurance premiums will tend to be lower. On the other hand, if you live in an area that exposes you to more perils and potential natural disasters like floods, your quotes will be higher.
Talk to your preferred home insurance provider to find out more about other considerations that may raise or lower your premiums. Don’t fret if your neighbourhood has higher costs than the city average, as there are still key measures you can take to get more affordable coverage.
Common Home Insurance Discounts in Belleville
Certain insurers offer home insurance discounts that can significantly reduce your premium — sometimes by up to 20% when combined. Please note that these discounts depend on your property type, condition, the insurer and even external conditions like natural disasters or crime rates in your specific area. Talk to your broker or insurer to learn more about what discounts they offer in your area.
Here’s a look at the most common discounts you can get on home insurance in Belleville:
| Discount Type | Average Percentage Savings | Average Discount Value |
|---|---|---|
| Multi-Line (Home + Auto) | 11.4% | $190 |
| Claims-Free Discount | 16.5% | $275 |
| Alarm System (Burglar) | 7.5% | $125 |
| Alarm System (Fire) | 5.0% | $83 |
| Membership Discount (CAA) | 10.0% | $167 |
| Non-Smoker Discount | 7.5% | $125 |
What Risks Affect Belleville Homeowners?
Belleville homeowners are exposed to several hazards that can result in damage or even total destruction of their homes or belongings. These are common risks that typically affect Belleville homeowners and should be serious considerations before choosing your home insurance coverage:
Probability of Significant Disasters in Belleville
On April 14, 2008, the Moira River overflowed in Belleville and flooded numerous homes, prompting emergency measures and some evacuations.
The following MyChoice probability scores for Belleville are based on historical data from the Canadian Disaster Database (CDD), which has tracked major disasters in Canada since 1950. These scores represent the relative likelihood that each type of significant event could occur at least once in Belleville over the next decade. The comparison is made against both other regions in Canada and other types of events, helping illustrate where the greatest risks to homeowners may lie.
According to the CDD, an event is classified as significant if it results in 10 or more deaths, 100 or more people affected (injured, evacuated, or left homeless), an appeal for national or international assistance, historical importance, or severe damage that prevents a community from recovering on its own.
Housing Data in Belleville
Curious about the average age and condition of homes in Belleville? Here’s a simple breakdown of housing data in Belleville according to the 2021 Census of Population:
Homeownership Rate by Age in Belleville
The average homeownership rate among young adults is quite low in Belleville at 48.3%. People in their 50s and 60s have the highest homeownership rate of 69.7% among the Belleville’s homeowners.
| Age Group | Homeownership Rate |
|---|---|
| 15 to 24 | 10.3% |
| 25 to 39 | 48.3% |
| 40 to 54 | 65.2% |
| 55 to 74 | 69.7% |
| 75 and over | 66.9% |
What Is Not Included in a Typical Home Insurance Policy?
Even if you’ve opted for a highly comprehensive home insurance policy, there are some risks that insurers explicitly don’t include as a covered peril. These are called “exclusions” by home insurers.
Here are the most common home insurance exclusions:
This is by no means an exclusive list of risks typically excluded from a home insurance policy in Belleville. Talk to your home insurance provider to see what’s covered by your policy in case of loss or damage.
Why Do I Need Home Insurance in Belleville?
You don’t “need” home insurance to be a homeowner in Belleville. However, it’s still a good idea to get a home insurance policy to cover huge expenses.
Home insurance isn’t mandatory in Belleville, but you may still need it to protect your home, belongings, and liability in situations that would otherwise put you out of pocket. Here are some compelling reasons why you should get Belleville home insurance:
How You Can Get Cheap Home Insurance in Belleville
Are you looking for ways to save money on your Belleville home insurance? Visit our provincial page for practical tips.