Home insurance protects you by footing any repair bills, legal costs, or other expenses caused by weather incidents and other perils. This means you don’t need to shell out large amounts of money to fix any damage done to your home and property.
As a homeowner in Brockville, you want the best insurance policy that suits your protection needs. However, there are many coverage options and insurance companies to choose from, so making the right decision can be hard. Here, learn everything you need to know about home insurance in the city, from what risks Brockville homeowners should prepare for to tips for lowering your insurance rates.
How Does Home Insurance Work In Brockville?
When you get a home insurance quote in Brockville 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 | $1,039 |
| Enhanced Water Protection | – Sewer Backup Endorsement – Ground Water Endorsement – Overland Water Endorsement – Broad Water Damage Endorsement | $207 |
| Coverage Total: | $1,246 |
*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 Brockville, as it’s identified as one of the most flood-prone cities in Ontario in our latest study.
Home Insurance Price in Brockville by Dwelling Type
Below is the average home insurance price in Brockville, categorized by dwelling type:
| Type of Dwelling | Average Annual Home Insurance Premium |
|---|---|
| Detached | $1,246 |
| Semi-Detached | $1,146 |
| Freehold Townhouse | $1,071 |
Postal Codes With the Most Expensive Home Insurance in Brockville
K6T and K6V are some of the most expensive postal codes in Brockville for home insurance.
| Postal Code | Average Annual Home Insurance Premium |
|---|---|
| K6T | $1,267 |
| K6V | $1,262 |
Postal Codes With the Least Expensive Home Insurance in Brockville
If you live in the K0E postal code area in Brockville, you will be enjoying some of the cheapest homes insurance rates in the area.
| Postal Code | Average Annual Home Insurance Premium |
|---|---|
| K0E | $1,233 |
How Brockville Home Insurance Rates Compare to Nearby Cities
Brockville’s home insurance rates are fairly moderate in Eastern Ontario, sitting below higher-cost areas like Belleville and Cornwall but above Kingston and Ottawa.
| City | Average Annual Home Insurance Premium |
|---|---|
| Brockville | $1,246 |
| Kingston | $1,132 |
| Cornwall | $1,501 |
| Belleville | $1,667 |
| Prince Edward County | $1,465 |
| Ottawa | $1,145 |
How Brockville Home Insurance Rates Compare to Provincial Average
Home insurance costs in Brockville are around $1,246 annually, lower than the provincial average. Home insurance rates may differ from insurer to insurer. Additionally, various factors impact your premiums, like your home’s condition, location, and proximity to emergency services.
Larger homes generally get higher home insurance rates because they’re usually costlier to repair and maintain. Premiums on older homes are typically more expensive because they’re often more vulnerable to damage due to fire, wind, and other causes.
Common Home Insurance Discounts in Brockville
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 Brockville:
| Discount Type | Average Percentage Savings | Average Discount Value |
|---|---|---|
| Multi-Line (Home + Auto) | 11.4% | $142 |
| Claims-Free Discount | 16.5% | $206 |
| Alarm System (Burglar) | 7.5% | $93 |
| Alarm System (Fire) | 5.0% | $62 |
| Membership Discount (CAA) | 10.0% | $125 |
| Non-Smoker Discount | 7.5% | $93 |
What Risks Affect Brockville Homeowners?
Different areas in Canada have different hazards that homeowners have to be vigilant for. Here are common risks faced by homeowners in Brockville:
Probability of Significant Disasters in Brockville
On September 21, 2018, tornadoes in the Ottawa–Gatineau region affected eastern Ontario near Brockville, where severe wind gusts caused some regional damage.
The following MyChoice probability scores for Brockville 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 Brockville 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 Brockville
Here’s a quick overview of Brockville’s housing landscape from the 2021 Census of Population:
Homeownership Rate by Age in Brockville
Below are the homeownership rates in Brockville, categorized by different age groups.
| Age Group | Homeownership Rate |
|---|---|
| 15 to 24 | 16.9% |
| 25 to 39 | 34.4% |
| 40 to 54 | 55.4% |
| 55 to 74 | 64.9% |
| 75 and over | 67.3% |
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 Brockville. 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 Brockville?
Home insurance isn’t needed in Brockville because it’s not required by law. However, getting home insurance is still recommended because it provides peace of mind, knowing that your insurer will compensate you for damage done to your home and its contents. Here are some reasons why getting home insurance in Brockville is a good idea:
How You Can Get Cheap Home Insurance in Brockville
Visit our Ontario page to learn about effective tactics of how to save money on home insurance.