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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$106.58May 21, 2024, 07:11 AMAuto69FemaleL2R6P9
$46.95May 21, 2024, 10:07 AMHome44FemaleL6Y0E8
$24.71May 21, 2024, 12:42 AMTenant25FemaleK8N3P9

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

Updated on May 22, 2024

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

Updated May 22, 2024

Visit author page

4 minute read

Article Contents

The best way to protect your stunning, rural Cornwall home is through a robust insurance policy. While home insurance is not a requirement in Cornwall, you can’t go wrong with financial protection against property damage, liabilities, and unforeseen circumstances like natural disasters. 

Getting the right home insurance policy is imperative if you’re one of these people looking to relocate to this scenic city. Explore your options for insurance in Cornwall, what perils each policy covers, and how to select the most affordable plan.

What Risks Affect Homeowners in Cornwall?

Several risks and factors can affect your property as a homeowner in Cornwall, Ontario. Here are some common risks to consider:


Because Cornwall rests along the St. Lawrence River, homes are susceptible to flooding during heavy rainfall or snowmelt periods. While flood mitigation measures are satisfactory, a robust home insurance policy can help you recover in case of structural damage or loss of personal belongings.


Cornwall is not immune from fire hazards like any other area. Accidental fires, electrical faults, or cooking mishaps can occur anytime. 

Severe winter storms

The winter climate in Cornwall is hardly forgiving and can cause heavy snowfall and ice accumulation. Home insurance can help you recover in case of property damage and potential flooding.

Theft and vandalism

While Cornwall is a generally safe area, protecting your property with insurance and a robust security system is essential.

How Much Does Home Insurance in Cornwall Usually Cost?

How much you pay for home insurance in Cornwall, Ontario, varies depending on the value of your home, the level of coverage you choose, the deductible amount, the type of construction, the age of the property, your claims history, and your chosen insurance provider. The average yearly home insurance premium in Cornwall is around $1,398. Various companies may offer unique pricing structures and factors they consider when determining premiums.

To get an accurate estimate of home insurance costs in Cornwall, contact insurance providers directly, provide the appropriate information about your property, and get a personalized quote.

Does Where You Live in Cornwall Affect Your Home Insurance?

Yes, where you live in Cornwall can affect your home insurance rates. Here are a few ways your specific location within Cornwall can influence your insurance policy:

Proximity to water

If your property is located near the St. Lawrence River or other bodies of water, such as creeks or lakes, it may be considered a flood risk and can accrue water-related damage. As a result, you may need to obtain additional coverage for flood insurance, causing a rise in premiums.

Local climate

The climate and weather patterns in your specific area of Cornwall can affect insurance rates. If your Cornwall neighbourhood is prone to severe weather events such as storms, heavy snowfall, or high winds, insurance providers may adjust premiums to reflect the increased risk of property damage.


High-end Cornwall neighbourhoods will increase your cost of living and, therefore, increase insurance rates. Expect policies to be more expensive in neighbourhoods like Riverdale and Eamers Corners. Still, Cornwall rental prices are 43% cheaper than Ottawa and 49% cheaper than Montreal, making it a generally inexpensive place to live.

Postal Codes With the Most Expensive Home Insurance in Cornwall

K6J is the most expensive postal code in Cornwall when it comes to home insurance.

Postal CodeAverage Annual
Home Insurance Premium

Postal Codes With the Least Expensive Home Insurance in Cornwall

People living in the K6K postal code area in Cornwall can enjoy some of the least expensive home insurance rates in the city.

Postal CodeAverage Annual
Home Insurance Premium

Housing Data in Cornwall

Use this information from the 2021 Census of Population to better understand Cornwall’s housing landscape.

Type of Occupied Dwelling

Most properties in Cornwall are single-detached houses (49%), while only 5.4% of properties are apartments in buildings over five stories tall. 8.3% of properties are apartments or flats in duplexes, while 5.5% are row houses.

Owner vs Renter Stats/Condo vs Non-Condo Owners

53.6% of Cornwall dwellers own their properties, while 46.4% rent their homes.

Private Dwellings by Period of Construction: New or Older Homes?

37.4% of Cornwall homes were built before the 1960s, whereas 33% were built between 1961 and 1980. By comparison, only 3% were built between 2016 and 2021.

Major Repairs or Just Maintenance Needed?

Few Cornwall homes require major repairs (8.5%), as most are well-maintained. 991.4% of Cornwall homes only require regular maintenance and minor repairs.

Homeownership Rate by Age in Cornwall

Homeownership rates in Cornall are quite low with people aged 55 to 74 having the highest rate of 62.5%.

Age GroupHomeownership Rate
15 to 248.9%
25 to 3937.6%
40 to 5452.3%
55 to 7462.5%
75 and over62.3%

Average Home Price in Cornwall by Dwelling Type

Below are the average values of homes in Cornwall, categorized by dwelling type:

Type of DwellingAverage Value
Freehold Townhouse$424,900

Cornwall Population Growth

The population in Cornwall experienced a relatively slow growth of only 2.69% between the years of 2016 and 2021.

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 Cornwall. 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 Cornwall?

While a home insurance policy in Cornwall isn’t mandated, applying for one can be a good idea for the following reasons:

  • To attain financial protection in case of perils like fire, lightning, storms, vandalism, or theft
  • To protect you in case someone is injured on your property and holds you responsible
  • To satisfy mortgage requirements and protect lenders’ investments
  • To cover personal belongings, including furniture, electronics, appliances, clothing, and other possessions, in case of a disaster
  • To cover the costs of temporary accommodations, meals, and other necessities in case your home becomes uninhabitable
  • To provide peace of mind 

How You Can Get Cheap Home Insurance in Cornwall

Visit our Ontario page for practical tips on how to save money on home insurance.


1. Mychoice.ca Internal Data, Home Insurance Quotes Collected, 2023.

2. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, Cornwall, Home Insurance Quotes Collected, 2024.

3. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, Cornwall, Home Insurance Quotes Collected, 2024.

4. Statistics Canada, 2021, Census of Population, Ontario, Cornwall, Housing Statistics. Data Published March 29, 2023.

5. Statistics Canada, 2021, Census of Population, Ontario, Cornwall, Homeownership Rate by Age. Data Published December 16, 2022.

6. CREA, Ontario, Cornwall, Median Price of Homes by Dwelling Type, 2024.

7. Statistics Canada, 2001-2021, Census of Population Statistics, Ontario, Cornwall, Population Statistics. Data Published December 16, 2022.

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