Owning a home in Burlington, Ontario, is exciting, but it’s also one of the largest investments you’ll make. From Lake Ontario views to vibrant neighbourhoods and local festivals, Burlington is a great place to live. Protecting your home with the right Burlington home insurance policy is essential.
Morison Insurance Burlington insurance brokers are located between Walkers Line and Appleby on North Service Road, making it easy for homeowners to meet our local brokers in person and get personalized guidance.
Get a Burlington home insurance quote today and protect your home by calling 1-800-463-8074 or visiting our Burlington office. Our team specializes in home insurance Burlington residents rely on, providing advice for every homeowner
While Ontario law doesn’t require home insurance, it is highly recommended. Mortgage lenders usually require it, and having a Burlington home insurance policy ensures protection against fire, water damage, theft, and other unexpected events. Even without a mortgage, Burlington home and property insurance safeguards your biggest investment and provides peace of mind.
With a local Burlington home insurance broker at our office, you can review your coverage in person, ask questions, and receive personalized advice tailored to your neighbourhood. Morison Insurance offers a range of home insurance policies to meet the diverse needs of Burlington homeowners.
Home insurance covers damage to your home and personal belongings from events like fire, wind, and theft, plus liability if someone is injured on your property. It can also cover additional living expenses if you must temporarily leave your home due to a covered claim. Morison Insurance helps get home insurance Burlington property owners can rely on to protect everything that matters most.
Burlington home insurance policies typically cover damage caused by fire and smoke. Fires can happen unexpectedly, whether caused by cooking, electrical issues, or neighbouring homes. Coverage ensures your property and belongings are financially protected.
Heavy rainstorms, sewer backups, or overland flooding can cause costly damage. Standard Burlington home and property insurance policies typically cover a wide range of water-related events. Still, optional add-ons provide additional water protection, which is especially useful for homes near Lake Ontario or in low-lying Burlington neighbourhoods.
Yes, contents coverage protects furniture, electronics, clothing, and other personal items. Maintaining a detailed home inventory and storing your policy documents securely helps streamline the claims process. Coverage can extend to both attached and detached structures, such as garages or sheds.
This optional coverage is included in some home insurance policies. It helps repair or replace major appliances and home systems, such as HVAC, water heaters, or electrical panels, if they fail unexpectedly.
Liability coverage protects you if someone is injured on your property or if you accidentally damage someone else’s property. Examples include slip-and-fall accidents, pet-related injuries, or backyard incidents.
Common exclusions on a Burlington home insurance policy include:
Optional add-ons (floaters) can cover flooding, fine art, or other valuable possessions. A Morison Insurance broker in Burlington can help you select home insurance policies to meet your unique needs.
Coverage depends on your home’s value, location, age, and contents. Factors like waterfront proximity, older structures, or recent renovations may require higher coverage. Fall home maintenance and spring home maintenance also help reduce risk and insurance claims. Speak with a local broker in Burlington to develop a personalized quote and determine the right Burlington home and property insurance policy.
Home insurance premiums for Burlington homes can average between $1,000 to $4,000 annually. The cost depends on various factors including home replacement cost, claims history, neighbourhood risks (crime, flooding, etc.), coverage limits and optional add-ons, home age, size, and renovations, and more.
A local Burlington home insurance broker can help you compare Burlington property insurance quotes from multiple providers and find the best fit for your budget. Choosing the right Burlington home insurance policies can save money while ensuring complete coverage. Get started today by calling 1-800-463-8074 or by filling out the form on this page.
|
Rebuild Cost |
Annual Premium Estimate |
|
Under $350,000 |
$1,000 - $1,300 |
|
$350,000 – $550,000 |
$1,300 - $1,700 |
|
$550,000 – $750,000 |
$1,700 – 2,200 |
|
Over $750,000 |
$2,200-$4,000 |
Prices assume no more than one mortgage on the property. Speak with a broker to receive a personalized quote and explore available discounts.
Factors driving higher home insurance rates in Burlington include:
Selecting the right home insurance policies can help manage costs without sacrificing coverage.
Common home insurance discounts include:
Your Burlington insurance broker can identify additional ways to save and connect you with the best home insurance providers in Burlington.
Ways to reduce your Burlington home insurance premium include:
An annual review of your Burlington home insurance policies can also reveal cost-saving opportunities.
Working with a home insurance Burlington broker ensures you get:
Morison Insurance has been helping Ontario homeowners for over 100 years. Our Burlington office makes it easy for you to meet our local brokers in person, review your policy documents, and receive Burlington-specific advice tailored to your home and neighbourhood.
Request a Burlington home insurance quote today by calling 1-800-463-8074 or visiting our office in Burlington.
Request a free consultation today and get home insurance Burlington residents trust tailored for your property.
No, it isn’t legally required, but most mortgage lenders mandate it and it is a great coverage to have. Burlington home and property insurance protects your house from fire, theft, water damage, and liability claims.
Yes. Optional endorsements (floaters) can cover floods, jewelry, fine art, and other valuables. A broker can help customize your Burlington home insurance policies.
A licensed broker partner compares multiple quotes from trusted providers, reviews home insurance policies, and finds the best balance of price and coverage for your home.
Premiums are influenced by factors such as home value, age, location, claims history, coverage limits, optional add-ons, and water protection measures.
Increase your deductible, qualify for discounts, bundle policies, maintain a safe property, and schedule seasonal fall home maintenance and spring home maintenance.
The best company depends on your home type and coverage needs. A local broker partner can help you compare providers and select Burlington home insurance policies that fit your property.
Neighbourhood risks such as proximity to Lake Ontario, downtown, or flood-prone areas may increase rates. Brokers evaluate these factors when providing quotes.
Yes, but it’s easiest during policy renewal. Brokers assist with smooth transitions and comparing new quotes.
To get a Burlington home insurance quote, you’ll need:
