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Sault Ste. Marie Home Insurance

Multiple Home Insurance Quotes + A Real Person To Help You Along The Way

 Save up to 25% on affordable home insurance in Sault Ste. Marie!

Home insurance = peace of mind 

Sault Ste. Marie is a community with over 73,000 residents who enjoy being part of a small community with the amenities of a larger Canadian city. The “Soo” is a border town just across the river from Michigan -  just a 10 minute drive across the International Bridge to shopping, travel options, and weekend getaways to popular tourist destinations. Sault Ste. Marie is a city that makes the most of winter and has over 150 km of world-class ski trails and access to other winter recreational adventures and activities such as ice fishing, skating, skiing, snowboarding, snowshoeing, snowmobiling, slight rides, and ice caves. It is home to the Soo Greyhounds (OHL)  and the historic Bon Soo Winter Festival.

Home insurance is not legally required in Canada, especially for those who have paid off their home. But, it is mandatory for those who need to get a mortgage. Since buying a home is one of the biggest investments people make, it's important to consider getting affordable home insurance to protect the place they live, raise a family and keep their belongings. These are all things that a homeowners insurance policy can cover and your dedicated Surex insurance broker can help with that.

Comparing rates from Canada's leading Home Insurance Providers
Wawanesa Insurance
Pembridge Insurance
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Jevco Insurance
Types of Coverage We Provide
Home Insurance

This provides coverage for loss and damage to your property and/or any assets.

Liability Coverage

This would provide 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.)

Home Insurance in Sault Ste. Marie

Home insurance in Sault Ste. Marie varies, depending on the coverage you’re required or choose to have, as well as the area you live in and past home insurance history. The average home insurance costs can range from thousands of dollars annually and are based on location in the city and the neighborhood. It also includes other factors such as home size, replacement value, coverage type, etc..... all these factors can affect the rate, so contact the best insurance broker today to get your home insurance quote today.

No, there’s no fee. Comparing quotes from different insurance providers will help ensure you aren’t overpaying for your home, car, business, travel or other insurance. Compare your online insurance quotes with Surex for FREE.

It will strongly depend on your home’s physical structure, the value of personal property (including clothing, appliances, TV’s). It’s a good idea to take an inventory of your possessions to confirm you have an accurate idea of the value. There are limits that you’ll need to work with so it’s important to check with the top Canadian home insurance companies in Sault Ste. Marie to see what the best insurance coverage is for you. 

Here are the main types of home insurance policies you need to consider for your Sault Ste. Marie dwelling:

Comprehensive: This covers the structure of your home and its contents from all risks, except ones that are considered uninsurable, or where you would need extra (optional) coverage for things such as earthquakes and overland flooding etc…

Basic or Named Perils: This coverage is the opposite of comprehensive and only covers your home and its contents against perils specifically listed in your policy. For example, if the policy doesn't mention fire damage, then a claim filed as a result of fire damage will not be accepted. Check with your advisor for a full list.

Broad: This coverage is a hybrid of comprehensive coverage and basic and is also known as a “broad-form” policy. For your home itself, it is similar to a comprehensive plan, where it covers all perils except those that are uninsurable. For your belongings, it's similar to basic coverage and only covers named risks while unnamed risks are not covered.

No-Frills: This is limited coverage for properties that don’t meet the normal standards of insurance providers. It usually is for homes that have structural defects or other extensive issues.

Of course, you can always add optional coverage (or endorsements) to your policy to cover more risks not normally covered in your home insurance. Some endorsements homeowners in Barrie might consider:

  • Overland flooding - this occurs when you have overflowing rivers or lakes as a result of heavy rainfall or melting ice and snow

  • Flooding from heavy rainfall

  • Sewer backup from extreme weather events, construction accidents, or poor municipal maintenance

Home insurance is a tricky thing to predict, as many factors come to play when calculating the rates. Things such as the age of the structure and the construction of your home, wiring etc...all these items that can be found in and around your home all affect the rate. Plus, the top Canadian home insurance companies underwrite risk differently, so that is why getting to compare quotes is important.

Here are a few things you can do to help reduce the cost of your home insurance:

  • Increase your deductible: This is the amount you pay towards an insurance claim, so by offering to pay a higher percentage of a future claim, your insurance company will decrease the cost of your premium. But, keep in mind you will be paying more out-of-pocket when, and if, you ever file a claim.

  • Bundle your insurance: Bundling always helps you save, whether it's your phone, tv, and internet! So, if you have a car, or any other insurable item, think about going with one of the top Canadian home insurance companies, who will most likely reward you with a discount!

  • Shop around: Always compare insurance companies and home insurance quotes to see what all your options are on similar policies. No two policies are the same, so comparing will let you choose what's right for you.

  • Lump-sum payment: providing payment for the entire year instead of monthly payments

  • Ramp up your home’s security: Getting a home security system can help, specifically ones that are monitored 24/7 by a security company. (you can inquire if your insurance company is partnered with a specific one for more of a discount). Also, equipping your house with smoke detectors is a good move too (for everyone's sake).

  • Purchase new: Sometimes buying a brand new build can result in receiving discounts on your premium. Doesn't hurt to ask!

  • Professional membership: Do you belong to a union, an alumnus at a particular university or college, or a CAA member? Some of the top Canadian home insurance companies will offer a discount or group policies to professional members, associations and organizations.

  • Claim Free: Obviously being 'claim free' has an advantage.

  • Seniors: Beng a senior will qualify you for a certain discount

Home insurance coverage in Sault Ste. Marie depends on the type of insurance you need. Here are a few examples of different types of coverage:

Tenant insurance:  Also known as rental insurance, it typically covers the contents of a unit and liability.

Homeowners insurance (condo): Covers the condo unit and upgrades but not the condo building, as that is covered by the condo corporation, hence condo fees. Your home insurance policy would also cover contents (e.g. theft, damage, etc.) and liability.

Homeowners insurance (house): This is the most comprehensive coverage and includes the entire rebuilding costs for your property, liability, and contents inside the home. You can get additional coverage to protect against a wide range of natural impacts such as earthquakes, flooding, snow damages, etc... and tree and gardens as well as for some additional structures on your property like your shed for extra storage.

Best Parks in Sault Ste. Marie:
  1. Tudhope Park
  2. Scout Valley
  3. Couchiching Beach Park
Best Shopping Site in Sault Ste. Marie
  1. Orillia Square Mall
  2. Mariposa Market
  3. SmartCentres Orillia
Best Cafes in Sault Ste Marie
  1. Mark IV Brothers
  2. Eclectic Cafe
  3. Apple Annie’s Cafe & Shop

I had a great experience with Surex! My broker Jenna Amodeo was extremely helpful and patient and guided me through the entire process. Kudos to her!

Steve P. — Sault Ste. Marie, ON

I have been dealing with Surex for over 3 years for home and auto insurance. Jenna Amodeo provides efficient and friendly service and will get the best deal for you. Highly recommended!

Hemant — Sault Ste. Marie, ON
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Have questions? We've got answers:

Having a continuous history or record of insurance shows your provider that you are willing to manage the risks you take on by owning or renting a home. When you have no gaps in your insurance coverage, this means that you are always protected. Continuous insurance for several years without having made any claims may amount to a lower overall premium because your provider might see that you are properly managing your risk to prevent avoidable losses. 

Give us a call to get your quote today. Speak to a licensed insurance advisor who will walk you through the process of getting homeowners’ insurance set up. Our advisors will collect your information and do the hard work for you by shopping around and providing quotes from 10+ leading insurance providers in Canada.

Home insurance helps you protect investments made in your home whether you own the house or are currently renting. The purpose is to manage risk if anything were to even happen to the contents and to provide coverage so you don’t need to worry in these situations. Home insurance isn’t mandatory in every Canadian province (i.e. in Ontario), but the majority of financial institutions require it before you can take on a mortgage. As for tenant insurance, landlords will often request some form of proof of home insurance before giving you a lease. Consider the benefits of home insurance when you get insurance online with Surex.

Some common homeowners insurance riders (a.k.a. endorsements) that you may want to add to your insurance policy are:

Scheduled personal property coverage: This coverage goes beyond your personal property coverage that includes the basics such as furniture, clothes, and electronics and covers more valuable items such as jewellrey, fur, and antiques. The extended coverage protects against additional risks your basic policy doesn't cover like the misplacement of losing valuable items.

Water backup damage: A standard homeowners policy typically does not cover water damage from a backed-up drain or sump pump, so you'd need to add optional water backup coverage to your policy. It helps pay to repair certain types of water damage such as the cost of replacing furniture or removing water after an unexpected backup that can damage your home.

Building code coverage: The standard dwelling coverage in a homeowners insurance policy helps pay to repair your home's existing structure to its original state after a covered claim. But, if your home is damaged and not up to building codes when a claim is filed, you'll likely have to pay out of pocket to cover the difference between getting it fixed and up to current building code standards. This additional coverage will help pay for the extra costs accumulated to comply with local building codes required for the repair of your home.

Business property coverage: If you are running a home-based business or have a business property you keep in your home, you should consider this option, as not every standard homeowner's insurance policy will include this. This additional coverage will protect the business-related items you keep stored in your home (i.e products you are planning to sell) as well as your home business.

You may also be able to get additional home insurance riders added to your policy for things like landscaping and renovation projects.

Insurance riders, also known as endorsements, expand your basic policy, letting you get more home insurance coverage. It's an optional add-on to your policy that allows you to increase the overall coverage of your home insurance. By adding a rider, you can select addons for certain category items such as an expensive jewellery collection or for drain back up - you essentially choose what you want the additional coverage for.

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