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Compare and purchase the best
home insurance rates in London.
Compare and purchase
the best home insurance
rates in London.
Get free & accurate quotes from Canada’s top insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.
Get free & accurate quotes from Canada’s top insurance providers. In just a few minutes, our quoter can unlock discounts that can have you saving hundreds of dollars a year on average.
Type of Coverage We Provide
Home Insurance
This provides coverage for loss and damage to your property and/or any assets.
Liability Coverage
Provides protection against a lawsuit resulting from damaged property or personal injuries.
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
Sewer Backup, Overland/Ground Water
These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.
Claims Forgiveness
This allows for the protection of your “claims free discount” in the event of your first claim.
Scheduled Items
Referring to 'special limits' on items like jewellery or art if the value is greater than the special limit you should list the item separately.
Comprehensive Insurance Coverage
When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.
Broad Coverage
When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)
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Save up to 25% on your home insurance in London by teaming up with Surex

Not to be confused with its European namesake, the Canadian city of London is tucked away in the southwestern corner of Ontario. London is famous for being a “university town”, which is true, but there's much more to the city than meets the eye.

London was the home of several famous Canadians, ranging from Sir Fredrick Banting to Dr. Earl Plunkett, and is the birthplace of Ryan Gosling. If you’re looking for a place to live in Southwestern Ontario, then the city of London is an ideal option. But, before packing your bags, we suggest taking a moment to assess the ins and outs of getting home insurance in London.

Thankfully, finding the right home insurance in London is easy when you team up with a Surex insurance advisor. At Surex, we want to help you find and save on affordable home insurance in London and the rest of Canada. We do this by working side-by-side with the top Canadian home insurance companies in London. Contact us today to learn how you can save up to 25%.

Home Insurance in London - What You Need to Know

Home insurance in London provides the protection you need no matter what kind of home you have. When you need to make a claim, home insurance will help you keep peace of mind if anything comes up.

Home insurance in Canada is not legally required if you’ve paid your house in full, but it is required if you need to secure a mortgage. A bank will not lend you money if you do not have homeowners insurance to protect your one most valuable asset.

The two types of home insurance in London are:

  • Broad home insurance: perils like water, lightning, hail, windstorm, fire, smoke, explosion, falling objects, vandalism, theft, and impact to vehicles or aircraft. 
  • Comprehensive home insurance: this is the most comprehensive level of home insurance in Canada. This includes coverage for all perils with broad insurance in addition to unintentional damage and disappearance of home contents.

There are three basic types of home insurance in London you can get:

Comprehensive: This provides the best insurance coverage for your home and is the most expensive. It covers your home and its contents against all perils (except the ones specifically excluded from your insurance policy)

Standard: This covers your house and its contents against named perils and is less coverage than a comprehensive policy.

Broad: This is coverage that is right between a standard policy and comprehensive, covering your home against all risks (minus exclusions) and coverage for your contents against any named risks.

Talk to the best insurance broker in Kingston about what online insurance coverage you need and also about any additional coverage options you may require. Optional add-on coverage costs extra but protects your home against specific risks.

It's always a great feeling when you find the right policy for your home insurance, but it should be reviewed regularly, especially when your situation changes and you experience certain home or lifestyle changes that could affect the home insurance coverage in London.

You might need more or you might need less, whatever your situation is, it's always a good idea to talk to your dedicated insurance advisor about any changes and update your coverage accordingly, otherwise you may not be covered for certain things. And, you should especially review your coverage when you change the value of your home, which we will discuss further below!

There are many reasons as to when you should update your home insurance policy in London, here a few to be aware of:

Renovations: Any major renovations done to your home that will add value should be noted to your insurance advisor for any adjustments because now your home will be more expensive to rebuild if anything should happen. On the flip side, some maintenance renos like putting a new roof on your home could lower your rate.

Adding a pool or hot tub: You could be liable if anyone is injured or drowns (even if they are there without your permission) on your property. You won't be covered under your home insurance if anything should happen and you haven't updated your policy to include a pool and/or hot tub on your property. Adding these things are seen as a risk and can increase your premium.

Getting a security system: Adding a security system will help you save on your premiums, as it makes your home less risky to insure, and probably makes you sleep better at night knowing you have the extra security!

Buying a high-value item: If you purchase any high-value items such as art, jewelry, collectibles, antiques, sports or music equipment, you should check if your policy covers these expensive items because if anything should happen, your claim may not cover the full replacement costs. You may have to get additional coverage, to be safe.

Quitting smoking: Who knew that quitting smoking is good for your health and might have some other benefits as well? It reduces the risk of a fire at your home, so letting your insurance advisor know is a good thing, as it might decrease your premium.

Retiring: It's no secret that retired people tend to stay at home more often so they are more likely to keep up with the maintenance of their homes, spot any issues before they become more of a problem and are less likely to be victims of burglary. Some insurance companies offer seniors (and/or retired) a discount - it doesn't hurt to ask!

Adopting a dog: Again, this falls under liability if your dog bites anyone, so you should let your insurance company know as they may see this as an added risk and will need to update your policy.

Renting your house: Anytime you think about renting out a room or your house (ie. Airbnb) for extra income, you will need separate coverage, called home-sharing insurance, as your regular homeowner's insurance coverage will not cover if anything should happen to the rental space. And, you will probably need a landlord policy for renting anything longer than six months.

A licensed insurance advisor can offer home insurance in London. If you contact the broker channel they can provide you with more than one option, so you can see comparables in price and coverage!

Top Parks in London
  1. Victoria Park
  2. Springbank Park
  3. Gibbons Park
Best Shopping Sites in London
  1. TopShop Masonville
  2. White Oaks Mall
  3. Talbot Centre
Best Sites and Landmarks in London
  1. Springbank Park
  2. Museum London
  3. Boler Mountain

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