Pembroke has a few property-related risks worth noting. Ottawa River flooding and spring thaw should be treated as address-specific risks. Wildfire smoke, winter outages and distance from services can also affect recovery after a loss.
This page shows what Pembroke homeowners are paying for insurance, how premiums change by home size, property age and roof age, and which parts of the policy account for most of the cost.
The home insurance premiums on this page are based on our internal mychoice data collected since January 2026.
Pembroke Home Insurance: Key Premium Facts
Pembroke’s $1,994 median is below Ontario’s benchmark.
With no postal-area spread, focus on river proximity, fire protection, roof condition and coverage limits when explaining an individual quote.
| Fact | Value |
|---|---|
| Median Annual Home Insurance Premium | $1,994 |
| Median Monthly Home Insurance Premium | $166 |
| Pembroke Premium vs. Ontario Median | 11.4% less expensive |
How Much Does Home Size Matter for Insurance in Pembroke?
Premiums rise steadily, adding $548 from the baseline to 3,000+ sq. ft.
Confirm finished basements, additions and northern rebuilding costs rather than relying on market value.
| Home Size | Median Annual Home Insurance Premium |
|---|---|
| Under 1,000 sq. ft. | $1,617 |
| 1,000-1,499 sq. ft. | $1,703 |
| 1,500-1,999 sq. ft. | $1,830 |
| 2,000-2,499 sq. ft. | $1,994 |
| 2,500-2,999 sq. ft. | $2,295 |
| 3,000+ sq. ft. | $2,542 |
Pembroke Insurance Premiums for Homes of Different Ages
The oldest-to-newest gap is $448.
Document wiring, plumbing, heating, roof and foundation-drainage upgrades and ask whether any original system changes eligibility.
| Year Constructed | Median Annual Home Insurance Premium |
|---|---|
| Before 1940 | $2,171 |
| 1940–1959 | $2,120 |
| 1960–1979 | $2,048 |
| 1980–1999 | $1,994 |
| 2000–2009 | $1,868 |
| 2010–2019 | $1,797 |
| 2020 or newer | $1,723 |
Are Pembroke Home Insurance Premiums Similar to Nearby Locations?
Pembroke is the lowest of the six eastern/northern locations shown and close to Ottawa.
Use the benchmark to see whether you might be overpaying, with equal water and rebuild limits.
| City | Median Annual Home Insurance Premium |
|---|---|
| Pembroke | $1,994 |
| Ottawa | $2,016 |
| North Bay | $2,671 |
| Kingston | $2,244 |
| Cornwall | $2,271 |
| Brockville | $2,103 |
Read More: How Pembroke Homeowners Can Build a More Useful Insurance Estimate
Understanding Your Home Insurance Coverage in Pembroke
For a standard Pembroke home, 87% of the annual premium goes toward the core home policy and 13% goes toward enhanced water protection.
Ottawa River flooding can affect Pembroke properties very differently depending on elevation and distance from the water. Ask for an address-specific water assessment and review evacuation expenses, sewer backup and overland-water limits before reducing coverage.
| Coverage Type | What’s Included? | Median Annual Home Insurance Premium |
|---|---|---|
| Base Residence / Dwelling (Core Policy) | Rebuilding protection for the home and detached structures; contents; additional living expenses; liability; insured comprehensive risks | $1,725 |
| Enhanced Water Protection (Separately Priced) | Water endorsements that may include sewer backup, overland water, groundwater and above-ground water protection | $269 |
| Coverage Total | MyChoice standard home profile | $1,994 |
A comprehensive policy generally protects the dwelling and belongings against insured risks except those specifically excluded. Common insured losses can include fire, smoke, wind, hail, lightning, certain sudden water damage, falling objects, theft and vandalism. Coverage remains subject to the policy’s limits, deductibles, conditions and exclusions.
What Pembroke Homeowners Should Check
Water endorsements can differ by insurer. When reviewing a Pembroke quote, check:
- which water endorsements appear on the declarations page.
- whether the stated limit applies per endorsement or to the entire water package.
- the dollar amount the homeowner must pay before water coverage responds.
- what the insurer excludes as maintenance, wear and tear or long-term water damage.
- if underwriting restrictions apply to the address, foundation or claims record.
For properties in Pembroke, confirm the coverage wording first and treat the dollar limit as only one part of the decision.
Does My Roof Age Impact My Home Insurance Rate in Pembroke?
A roof over 20 years is $270 above the newest band.
Ask about snow, ice and wind settlement, depreciation and proof-of-replacement requirements.
| Roof Age | Median Annual Home Insurance Premium |
|---|---|
| 0–5 yrs | $1,850 |
| 6–10 yrs | $1,922 |
| 11–20 yrs | $1,994 |
| 21+ yrs | $2,120 |
Read More: The Underground Repair Gap Pembroke Homeowners Should Check
What Risks Affect Homeowners in Pembroke?
Here are common risks to watch out for as a homeowner in Pembroke.
Read More: How Flood Exposure Can Change the Cost of Owning a Home in Pembroke
Relative Home Insurance Risk Indicators in Pembroke
The following MyChoice claim probability scores for Pembroke 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 of a certain claim happening in the area based on historical data.
Pembroke’s Ottawa River setting makes the Medium flood indicator the most locally significant category. Snowstorm claims are Medium-High, while tornado claims are Low-Medium and crime remains Low.
Check flood eligibility, sewer-backup limits and evacuation or temporary-living coverage before spring runoff. River distance and elevation need to be assessed at the exact address.
These labels are qualitative risk indicators based on historical hazard context. They are not calculated claim probabilities, expected claim frequencies or forecasts for a specific property.
- Flood risk indicator: Medium
- Crime risk indicator: Low
- Wildfire risk indicator: Low
- Tornado risk indicator: Low-Medium
- Hurricane risk indicator: Low
- Snowstorm risk indicator: Medium-High
What Additional Protections Do Pembroke Homeowners Choose?
Backup power appears in only 3.9% of quotes.
Where an outage could stop heating or a sump pump, resilience may matter more than popularity. Confirm device and maintenance requirements.
| Protection | Share of Quotes | Why It May Matter |
|---|---|---|
| Sump pump | 13.5% | Helps remove water collecting below basement level before it rises indoors. |
| Smoke detectors | 71.4% | Provides early warning of smoke or fire and can help occupants respond sooner. |
| Deadbolt locks | 36.4% | Strengthens common entry points and can reduce forced-entry exposure. |
| Backup power | 3.9% | Can keep selected pumps, alarms or essential equipment operating during an outage. |
Read More: Before Adding or Insuring a Basement Suite in Pembroke
