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Article Contents
By <span>Matthew Roberts</span>
By Matthew Roberts

Updated on December 6, 2023

Visit author page
By <span>Matthew Roberts</span>
By Matthew Roberts

Updated December 6, 2023

Visit author page

14 minute read

Article Contents

If you want to own a home in Brantford, you may want to look into taking out a home insurance policy. Keeping your home safe and protected goes a long way toward peace of mind. Anyone planning to buy a home in this city should consider the benefits that Brantford home insurance provides.

Getting home insurance can help protect your home from natural disasters, theft, and other unfortunate circumstances. Whether it’s a small house in Greenbrier or a mansion in Holmedale, a home insurance policy can prevent you from being caught off-guard when disaster strikes.

Here, learn about the different types of home insurance in Brantford and how to get the best insurance premiums.

Why Do I Need Home Insurance in Brantford?

Unlike mandatory auto insurance, you aren’t required to take out a home insurance policy in Brantford. However, it’s generally a good idea to purchase an insurance policy to protect your home against the following circumstances:

  • In case of damage from natural disasters such as floods, hail, earthquakes, fires, and other environmental forces
  • In case of theft, vandalism, or other malicious acts done to your property
  • In case of an accident or unfortunate event happening on your property where you’re liable
  • Some mortgage companies require home insurance before you can apply for a mortgage

How Does Home Insurance in Brantford Work? 

As with other insurance products like tenant insurance or condo insurance, Brantford home insurance gives you financial coverage for your home in the event of certain unforeseen events. By purchasing a home insurance policy, you can file a claim that allows you to handle the cost of damage or losses covered under your policy terms.

There are three types of home insurance policies that you can buy in Brantford. Here’s a basic overview of each type:

This is usually the most affordable type of home insurance, where you can choose coverage only against specific perils. If it’s not listed in your basic policy, your insurer won’t give you coverage for that risk.

This is typically the most expensive option but also the one that offers the most protection for your home and belongings in it. Under comprehensive home insurance, you’ll have protection against all risks that aren’t explicitly excluded, as well as risks that don’t require optional add-ons.

This mid-price option offers comprehensive coverage for your home but basic coverage for your personal belongings. This means your home will be protected from all risks except those that need add-ons or are specifically excluded, while your possessions are only protected against risks listed in your policy.

The typical Brantford home insurance policy may come with these types of home insurance coverage and liability coverage. Here’s a quick description of each standard coverage inclusion:

  • Dwelling: This covers damages to your home (a.k.a. your dwelling) and its attached structures, like a garage. Coverage is typically for damages caused by risks such as lightning or fire, depending on the terms of your policy.
  • Detached private structure: This covers damages to private, detached structures on your property, such as a detached garage or tool shed.
  • Personal property: Home insurance policies also cover your personal property, such as furniture and appliances. Note that some special or high-value items like artwork may need additional coverage.
  • Additional living expenses: If you’re suddenly displaced from your home because of an insured risk, your policy will also cover the cost of temporary housing.
  • Personal liability coverage: This covers settlements and legal expenses in case someone is accidentally injured on your property.
  • Voluntary property damage: This covers direct damage or loss that you’ve unintentionally caused to someone else’s property. This also applies to unintentional loss or damage caused by a minor who is 12 years old or younger in your care. 
  • Voluntary medical expenses: This coverage helps you pay for the medical expenses of a person you’ve unintentionally injured on your property or someone who accidentally hurts themselves on your property. This usually covers up to one year of expenses up to one year from the time of injury, with certain cost caps.

Apart from the standard coverage offered by Ontario home insurance policies, there are other types of coverage you can purchase for extra protection for your property. These are some of the most common coverage add-ons:

  • Credit and debit card forgery: This additional coverage will offset any financial losses or other damage you suffer because of credit or debit card forgery.
  • Earthquakes: This add-on covers damage or losses due to earthquakes.
  • Flooding: Protection from flooding typically includes both overland water and sewer back-up coverage. While you may opt to purchase these water-related add-ons separately, you may want to combine them into a flooding protection package because of severe weather and other regional risks.
  • Freezer food: This protects food in your property’s freezers if your freezer malfunctions or there’s a power outage.
  • Home sharing: Standard policies don’t cover loss or damage caused when you rent out your home. This add-on covers your property if you plan to use it for short-term rentals on sites like Airbnb.
  • Identity theft: This covers the cost of replacing crucial documents for identification, such as your birth certificate and driver’s licence.
  • Lock replacement: Some insurers offer to cover the cost of replacing your home’s locks.
  • Mass evacuation: If the government issues an evacuation order due to an incident like a flood, this add-on covers some expenses incurred during your absence from your home.
  • Overland water: Rainfall or thawing snow can cause nearby freshwater and wastewater sources to overflow beyond their typical levels. This add-on covers damage caused by this excess water when it seeps into your property.
  • Personal valuables: Standard plans offer limited coverage known as riders for items like jewelry and artwork. This add-on increases the limits for these items in the event of loss or damage.
  • Sewer backup coverage: If sewage or wastewater comes up from a main sewer, this add-on will cover the damage and losses caused.

Who Provides Home Insurance Quotes in Brantford?

There are different ways that you can get a home insurance quote in Brantford. Here are the four providers that you can use or contact for home insurance rates:

Insurance brokers

Insurance brokers can represent you as a buyer and get quotes from multiple insurance companies, as well as advice on choosing a policy.

Direct writers

A direct writer is an insurance company that doesn’t have independent agents offering their quotes and policies. Typically, direct writers offer their products through their official websites and/or their call centres.

Insurance agents

Insurance agents are independent professionals who can provide quotes and policy information from the companies they work with.

Insurance aggregators

Insurance aggregators are online platforms like MyChoice that allow you to compare rates and coverage options from multiple providers. Because these allow you to input your information and receive quotes from multiple providers in one place, this can save you time and effort.

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:

Criminal activities:

If your home was damaged due to criminal activity, it won’t be covered by your insurance policy.

Damage from tenants

Generally, home insurance companies require specific coverage for homeowners/landlords who plan to rent out their properties. A standard home insurance policy won’t include coverage if you rent your home out and the tenant causes damage.


Most policies exclude this risk, but you can cover earthquake losses and damage as an add-on to a standard policy.

Failure to maintain your home

Damage or losses caused by poor home upkeep (e.g., clogged storm drains, broken bannisters) won’t be covered, as your insurer deems it your responsibility to manage wear and tear.

Flood damage

Flooding is typically not covered by a standard policy, but it may be included as an add-on.

Home business activities

Home businesses will need separate home-based business insurance to cover home or equipment damage.

Insect damage

Because this is considered a preventable risk, most insurers don’t cover insect damage.

Mortgage or property taxes

These are separate expenses handled by policy owners as they’re unrelated to your home insurance policy.


Mould caused by poor home maintenance is typically excluded by home insurance policies. Note that this is separate from mould caused by an insured peril, which will be covered by your policy.

Vacant dwelling risks

Many insurers may void your insurance if you leave your home vacant for a prolonged period.

This is by no means an exclusive list of risks typically excluded from a home insurance policy in Brantford. Talk to your home insurance provider to see what’s covered by your policy in case of loss or damage.

How Much Does Home Insurance in Brantford Usually Cost?

Home insurance premiums in Brantford can vary greatly depending on a number of factors related to your home. However, the average insurance rate for most homeowners in Brantford can range between $705 to $1,447, which is over the average home insurance rate for Ontario.

There are some neighborhoods in Brantford that are more expensive to live in, so homeowners in areas like Ava Heights-Golfdale, Shellard Lane, Greenbrier, and Braneida Industrial Park can expect to pay more to keep their homes insured.

What Determines the Cost of Home Insurance in Brantford?

The cost of home insurance in Brantford varies depending on several considerations, such as your zip code, your property type, and even your credit score. Here are some of the different cost factors for home insurance in Brantford:

Accessory Dwellings

Detached private structures like tool sheds, pool houses, and gazebos may increase your home insurance premiums. Further, a pool typically increases your premiums because of the increased risk of drowning, as well as the extra cost of maintaining a surrounding fence and lock. Make sure your home insurance covers all of your detached structures.

Credit Score

The majority of Canadian provinces use your credit score to determine your home insurance premium. This is because it’s often perceived that a bad credit score increases the risk of providing home insurance, as it increases the odds of late or non-payment of premiums.

Internal Construction

If your home is older, in poor condition, or needs to update systems like heating and plumbing, it may be pricier to insure. This is because older electrical, heating, and plumbing systems increase the risk of certain accidents like fires and water damage from leaks.


If you live in an area prone to natural disasters like earthquakes or flooding, your premiums may be higher. Insurers also tend to charge higher premiums in areas where more homeowners have filed claims over recent years.

Replacement Cost

Replacement cost is based on how much it would cost to rebuild your home at its present condition and value. The higher your home’s present value, the more expensive it is to insure. Note that when factoring in replacement cost, you’ll need to inform your home insurer of any expensive items or upgrades like jewellery or artwork which will need extra coverage.

Past Claims History

Simply put, the more claims you have in a 10-year period, the higher your monthly premiums will be. As a general rule, make sure that the cost of your potential claim is higher than your policy deductible, which is the amount you have to pay before your insurer covers the rest.


Some insurance providers will ask you to disclose the number, type, and breed of any pets you may have, as some pets are considered an additional liability risk.

Property Type

Whether you live in a condo unit or a single-detached home, different types of dwellings will be evaluated differently by an Brantford insurer as each comes with different risks.

Renovations And Improvements

Some improvements can lower or increase your home insurance premiums. For example, converting a room into a home theatre may increase your home’s present value, so your premiums may go up. On the other hand, improvements that increase home safety like an alarm system may lower your premiums. Note that you should tell your home insurer both before and after you renovate your Brantford home.


The average asphalt shingle roof will begin to wear down after approximately 10 to 15 years. Unless it’s properly maintained and repaired, your roof may increase the risk of letting water leak in and damage your house. Brantford home insurers may lower your quotes if they see that your home’s roof is made with high-quality, durable materials.

Smoking Or Non-Smoking Policyholders

If you’re a non-smoker, an insurer may offer lower premiums as they consider it less likely that a cigarette or other smoking device will start a fire in your home.

Special Uses

While conducting business in your home won’t always increase your home insurance premiums, this depends greatly on the kind of business you’re running. For example, you can expect to pay more if you’re listing your home for short-term rentals or running a home-based catering company because there is more risk of liabilities or accidents.

Type Of Coverage You Choose

If you get a policy with a higher deductible, this will result in a lower premium. Additionally, the higher the coverage and the more risks you are protected against, the higher your premiums will be.

Your Chosen Insurer

Different insurers may offer varying quotes even for the same type of policy. Coverage costs vary between companies, so it’s important to shop around to find the best deal. 

What Risks Affect Homeowners in Brantford?

Brantford homeowners should be aware that there are many risks that come with owning a home in the area. Some of these common risks include:


Situated in the Grand River watershed, Brantford remains susceptible to flooding, despite ongoing efforts to mitigate the risks. Heavy rainfall or rapid snowmelt can trigger flooding in the Grand River, resulting in significant harm to residences. This includes structural damage, water damage in basements, and the loss of personal belongings.

Theft and burglary

Property crimes are not uncommon in urban areas like Brantford. Having comprehensive home insurance coverage becomes crucial in mitigating losses, particularly if the home lacks robust security systems.


Homeowners in Brantford, like anywhere else, face the risk of fire. Electrical malfunctions, cooking mishaps, heating system issues, and various other factors can lead to fires. Such incidents can cause substantial damage or even total destruction of a property, making adequate fire insurance coverage imperative.

Sewer backup

During intense rainstorms in Brantford, there is a potential hazard of sewer backup. When the sewer system becomes overwhelmed, it can lead to the leakage of sewage into residential properties through drains and toilets. This can result in extensive property damage, necessitating costly repairs.

Does Where You Live in Brantford Affect Your Home Insurance?

Where you live in Brantford can definitely affect your home insurance. When calculating your home insurance premiums, most insurers will consider factors related to where your house is located. There are a few ways in which your home’s neighborhood can affect your insurance rates:

Location-specific risks

 In Brantford, certain areas may be more susceptible to specific dangers such as earthquakes, flooding, vandalism, and theft. Insurance providers evaluate the likelihood of these perils and may adjust premiums accordingly. If your home is located in a flood-prone zone, you might need additional coverage or face higher insurance costs.

Proximity to emergency services

The distance between your residence and fire stations, police stations, and fire hydrants can impact your insurance rates. Living in close proximity to these services reduces response times during emergencies and may lead to lower premiums as a result.

Crime rates

The crime rate in your Brantford neighborhood can also play a role in the cost of your home insurance. Areas with higher crime rates, such as Brier Park or Shellard Lane are more prone to theft and vandalism, which makes these areas high-risk zones for insurance companies. Consequently, homeowners in these regions may face higher home insurance premiums. Fortunately, Brantford has a lower-than-average crime rate and is a safer place to live than other urban centers.

Property value

The value of your property is one of the key determining factors in determining your insurance premiums. Certain neighborhoods in Brantford may have higher property values on average, resulting in increased premiums due to the higher cost of repairing or rebuilding more valuable homes. Areas like Ava Heights-Golfdale and Greenbrier may have elevated rates as homes can often exceed $1 million in value.

Census Data: Housing Data in Brantford

Below, take a look at housing data in Brantford according to the 2021 Census of Population.

Type of Occupied Dwelling

In Brantford, about 60.2% of homes are single-detached houses, with apartment buildings making up another 21.2%. Row houses are about 9.5% of all dwellings, while semi-detached houses are around 4.7%. 

Owner vs Renter Stats/Condo vs Non-Condo Owners

As of 2021, most Brantford residents owned their homes rather than rented them. Homeowners make up 66% of Brantford, while renters were the other 34%.

Private Dwellings by Period of Construction

Brantford has a lot of old homes, with 33.4% of them being built before the year 1960. Homes built in the period between 1961 and 1980 make up 29.5% of the total homes, and homes built between 1981 and 1990 being another 10.4%. Modern homes are fairly rare, with only 4.7% of Brantford homes being built between 2016 and 2021, and 3.9% of homes built between 2011 and 2015.

Major Repairs Or Minor Repairs Needed

Homes in Brantford are generally in good condition, with only a small minority (5.2%) being deemed unsuitable for residence and an even smaller portion (4.2%) needing major repairs. The rest of the homes in Brantford (90.6%) only require regular maintenance or minor repairs.

How You Can Get Cheap Home Insurance in Brantford

If you’re trying to save money on your preferred home insurance coverage, here are some important steps to take:

Compare quotes

Comparison shopping between different providers will help you find the best rate for your desired policy type. Use an insurance aggregator like MyChoice to get and examine immediate quotes from various Brantford home insurers.

Increase your deductible

You can ask your insurer if you can increase your deductible, a.k.a. the amount you pay before your insurer pays out the claim. Increasing this reduces the risk for your insurer that you’ll submit a claim, so they may offer to lower your premiums.

Bundle with auto insurance

Some companies offer bundled home and auto insurance at a good discount for both policies.

Renovate old home systems like wiring and plumbing

Renovating to remove known risks like faulty wiring and old plumbing may help reduce your premiums.

Pay annually

While hefty annual premium payments may be daunting, some insurance providers give you a discount in exchange as it reduces their administrative costs.

Install monitored alarms

The safer you make your home against thieves, the higher the chances that you’ll go claim-free. This may convince your home insurer to offer lower premiums. Install monitored home security systems to deter break-ins and get immediate notifications of disturbances.

FAQs About Home Insurance in Brantford

Can you cancel home insurance in Brantford?

Yes, you can cancel your home insurance in Brantford. Check your policy’s terms and conditions for any fees or penalties you may incur, as these are typically charged if you cancel your policy before its end date.

Are Brantford home insurance fees tax deductible?

Generally, Brantford home insurance fees are not tax-deductible as they’re usually considered personal expenses. However, they may be tax-deductible in certain circumstances, such as running a home-based business or having a designated office area in your home. Consult a tax professional to learn if your insurance policies can be considered deductibles in your situation.

Do Brantford real estate prices affect the cost of home insurance?

Yes, Brantford real estate prices affect the cost of home insurance. Because high real estate prices translate to higher repair or restoration costs in the event of loss or damage, home insurers may charge higher premiums in higher-priced areas. The average price of a Brantford home is within the $725,700 range, making it quite high when compared with the Ontario average.

According to the Canadian Real Estate Association and the Brantford Regional Real Estate Association®, the median price of single detached homes in Brantford in 2023 fell 10.3% compared to 2022. The median prices for townhouses and row houses also fell 18.5%, while apartment prices showed an even sharper decline in price, falling 20.1%.

Do I need home insurance in Brantford for Airbnbs?

Yes, you need a specific type of home insurance in Brantford for Airbnbs. Property owners who run Airbnbs can apply for a customized rental insurance policy to protect against property damage or liabilities.

What factors aren’t used to calculate Brantford home insurance rates?

Factors that insurance providers don’t consider when calculating Brantford home insurance rates include the following:

Sexual orientation and gender
Marital status
Political affiliation

How expensive is insurance for a home in Brantford compared to the rest of Ontario?

Insurance for a home in Brantford will vary on either side of the provincial average of $1,368/year. Some factors which may affect this difference include the cost of living in this city, property values, and the incidence of natural disasters such as earthquakes and storms.

In Brantford, the cost of living is about 11.01% lower than the provincial average. Brantford experienced an ice jam flood in February of 2018 that caused 2,200 homes to be evacuated and dealt damages to property and infrastructure of at least $3 million. Consult your preferred home insurer to find out what other factors may cause your Brantford policy quotes from them to be higher than the provincial average.



Average rates were calculated using a standard profile and incident profiles. All personal details pertaining to the quotes and policies have been kept confidential.

Standard Profile

Quoted rates are based on either a 40-year-old male and/or female homeowners with a clean claim history and good credit. They are also non smokers and live in a home with monitored fire alarms and burglar alarms. The homeowners also have a $1,000 deductible, a $1,000,000 liability and water damage included.

Incident Profiles

We examined how rates change by evaluating profiles, we looked at the most common home insurance claims in Canada they were, a water damage claim, a sewer backup claim, a breakin/theft claim and a property damage claime like wind/hail damage. We compared these to a rate with a clean to a clean record (standard).

Home Details

Quoted rates are based on a either a semi-detached or detached 3 or 4 bedroom home with a valuation around or close to $1,000,000.


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