Homeowners’ insurance policies generally provide at least $100,000 worth of liability insurance but higher amounts are available and recommended. Generally, it is recommended to purchase in the range of $300,000 to $500,000 worth of liability coverage in Kingston.

Several factors will affect how affordable home insurance is in Kingston, including location, the home value and cost of replacement, coverage limits, the amount of the deductible, home improvements and renovations done to the house, roofing, plumbing, electrical, and age of the house.

Shop around for different rates with the best insurance broker to get insurance online at a competitive price. They will help ensure you get an affordable home insurance rate from one of the top rated home insurance companies in Ontario. 

Bundling — Bundle your auto and home insurance policies together to save in the long run.

Consider obtaining a higher deductible — It may be more out of your pocket initially, but you will have a chance to save on your monthly insurance cost. 

Maintain a good driving record — This one speaks for itself. Driver safer and you will get a discount. 

Review your coverage each year — You’ll never know what other options you have or what coverage you actually need until you do your annual review. Review regularly and add or remove components of the insurance policy that you do not need for that particular year.

Every home insurance policy in Kingston is unique to that customer. Often, you’ll need an extended amount of insurance coverage for things like by-laws, earthquakes, and floods. These are optional and aren’t covered in the majority of standard policies. Standard wear and tear is also not covered in most policies.

When you go on to purchase a condo, you aren’t purchasing the building but the unit inside that building. You’re also normally part of a condo corporation that will fix external structural damages. Homeowners insurance will cover the structure in addition to the contents inside that home.

Yes they do. In accordance with regulatory associations, there’s a direct correlation between an individual’s likelihood of getting into an accident and cancellation policies due to non-payment, and their credit score. This means that those individuals will in fact have higher premiums for lower credit scores.