Compare the best home insurance quotes in Ajax for free.

If you’re searching for cheap home insurance in Ajax, you might think it would be helpful to know the average price of coverage in the city.

Insurance is a customized product. This means that your policy is always tailored to the unique features of your home as well as your personal coverage preferences.

Geography is only one factor that goes into determining your rates, so knowing the average home insurance cost in Ajax isn’t really that useful.

The only way to get an accurate view of what your coverage will cost is to request customized quotes from multiple insurance companies.

With several quotes in hand, you’ll be able to choose the lowest rate for the level of coverage you want.

LowestRates.ca streamlines the process of comparing home insurance rates. Just enter your information once and you’ll receive quotes from multiple top providers.

Our online quote tool is fast and free.

Ajax’s location on the northern shore of Lake Ontario means homeowners may be concerned about the risk of flood damage to their properties.

Flood damage is not covered by most home insurance policies, but it’s usually possible to purchase optional coverage to protect against this peril.

Insurance companies divide flood damage into a few types, including tidal flooding, overland flooding and sewage back-up (which commonly occurs during a flood). Be sure to ask about which types of flood damage can be covered if you want flood damage protection for your home.

If you have comprehensive or “all-risk” home insurance, you’re protected against damage from all causes except those specifically excluded in your policy.

If you have standard or basic coverage, you are typically covered only for “named perils,” meaning those specifically included in your policy. Damage from all other perils is not covered.

Typical perils covered by standard home insurance include:

• Fire
• Electrical current or surge (check how your policy defines this)
• Explosions
• Lightning strikes
• Falling objects (depending on the cause)
• Broken windows
• Theft
• Vandalism
• Vehicle or aircraft impact
• Certain types of water damage
• Hail, wind and other damage from severe weather

Damage from flooding, slow leaks caused by poor maintenance and earthquakes are usually not covered by home insurance policies. However, you may be able to purchase optional coverage for flooding and earthquake damage.

There are some common exclusions to home insurance coverage, including damage caused by these perils:

• Flooding and sewage back-up
• Earthquakes, landslides, avalanches and other earth movements
• War, terrorism and nuclear incidents
• Criminal activities
• Vacancy
• Business activities
• Home-sharing or rentals

If you plan to rent out your home on a temporary or long-term basis, if you use your home seasonally or plan to be away for an extended period, talk to your home insurance company about additional or alternate coverage options. Specialized insurance products may be available to cover you in these situations.

You may also be able to purchase optional protection for flooding and earthquakes.

The type of home insurance you need depends on your coverage preferences. Insurance providers offer different levels of coverage to meet different needs and budgets.

Comprehensive or “all-risk” policies offer the greatest level of protection, with higher premium costs. This type of coverage protects you against all perils except those specifically excluded in your policy.

Broad insurance coverage typically offers robust coverage of your dwelling, similar to comprehensive coverage, but more limited coverage of your home’s contents, such as clothing, appliances and furniture.

Basic home insurance usually means you’re protected against damage from only those causes specifically named in your policy. You may be able to add optional coverage for other perils through riders or endorsements to your policy.

If you want to secure the lowest home insurance rates in Ajax, you’re already on your way. One of the first steps in finding the cheapest rates is learning about how home insurance works and deciding the level of coverage you need.

Once you know your preferred level of coverage, it’s important to shop around. Compare home insurance quotes in Ajax from a range of different providers to find out who’s offering the best rates on the market for the coverage you want. Hint: LowestRates.ca’s convenient online quote tool makes comparing the market fast and free.

If you have another type of insurance, consider bundling your policies with the same insurance company. Many providers offer discounts for purchasing multiple policies.

Ask if your insurance provider offers discounts for memberships in alumni or employee organizations, or for retirees. Some companies also discount coverage for customers who are non-smokers or for long-time loyalty.

Consider beefing up your home’s security to earn a discount. Certain security systems, like carbon monoxide detectors, externally-monitored burglar and fire alarms and deadbolt locks can earn you savings with insurance providers. Be sure to ask about your insurer’s specific offerings.

Another way to lower your home insurance estimate in Ajax is to raise your policy’s deductible. If you go this route, your premium may be lower. Just be sure you have enough savings set aside to cover the amount of your deductible in case you need it.

There is no one home insurance company that is best for every homeowner and every type of property. But there is absolutely a great insurance product for you and your home.

To get the best home insurance in Ajax for your needs, be an informed consumer. Learn about the types of coverage available and determine your preferences. Then compare quotes to get the best deal on the market.

The best home insurance for you may be different from your neighbour’s. Insurance is fundamentally a customized product, designed to fit your property, your specific desires and your budget.

LowestRates.ca can help you find the right coverage for your needs at the lowest price on the market.

Yes. Whether you need house insurance in Ajax, or coverage for your rental unit or condo, it’s easy to purchase the policy you need online through LowestRates.ca.

We work with all the leading Ajax home insurance providers to offer home insurance, tenant insurance and condo insurance to meet the whole range of home insurance needs.