Barrie Home Insurance

Your home is one of the most important assets you own. Whether you just bought a new home in Barrie, are moving locally, or want to save money on your existing home insurance policy, Insurance Hero can help you.

Home insurance covers residents for any repair or rebuilding that is caused by an insured peril. Perils might include fire, smoke, theft, vandalism, falling trees, and weather damages like lighting, wind, or hail. A home insurance policy might also cover the homeowner’s possessions, like furniture, clothes, and more.

With family-friendly neighborhoods, access to many outdoor amenities year-round, and proximity to Lake Simcoe and neighboring cities, Barrie is an ideal place to live. Since owning a home is one of the biggest investments people make for their futures, it’s important that the investment stays protected as a secure shelter for you and your family.

Request a homeowner’s insurance from Insurance Hero using our online form or call us at 1 (855) 777 4376.

What You Need to Know About Home Insurance in Barrie

A home insurance policy may help protect your property and its contents in case of theft, loss, or damage to the interior and exterior of your home and other properties. If your home is being rebuilt or repaired because of damages by an insured peril, your homeowner’s insurance policy may also include living costs incurred during that time, such as a hotel or rental expenses.

Although insurance companies offer pre-packaged homeowner’s policies with common coverages, you can also choose to customize your home insurance policy. For example, you can opt to be protected against all perils, or choose specific perils that you want coverage against. You can also choose the coverage limits and deductible amounts you want for your home insurance policy.

Your home insurance policy may cover loss and damage such as:

  • Protection for your home
  • Personal property that you and your family own, including furniture, electronics, clothes, and more
  • Any detached structures, including sheds and carports
  • Living expenses in case you need to find a new place to live temporarily while your home is being repaired or rebuilt
  • Liability for property damages and bodily injuries caused to your neighbors or anyone else that’s on or visiting your property

Home Insurance Coverage

Although purchasing home insurance isn’t required by law in Ontario, we highly recommended it as a protection against potential loss and damage.

The types of home insurance you can purchase include:

  • Homeowner’s insurance
  • Condo insurance
  • Tenant and renters insurance
  • Cottage and seasonal insurance

Homeowner’s insurance covers private residences. Your insurance company may decide to cancel your home insurance policy if your house isn’t properly maintained. They could also reduce your insurance claim.

Condo insurance is for units within a condo building. Condo owners can purchase condo insurance to protect contents like appliances, furniture, items stored in a locker unit, etc. A portion of the building fees that a condo owner pays contributes to condo insurance.

Tenant and renters insurance is for people who live on a property they don’t own. It’s used to protect their belongings and provide liability coverage.

Cottage and seasonal insurance is for cottages or properties that you only live in during certain periods.

If you’re ready for home insurance, call us at 1-855-777-4376 (HERO) or use our online form today.

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What risks won’t home insurance cover in Barrie?

Home insurance doesn’t cover perils that aren’t listed on your policy. For example, if your insurance policy doesn’t list earthquakes or fires as an insured peril, then damages caused by these types of events won’t be covered.

In addition, home insurance doesn’t cover intentional damages that are caused to the property, its contents, and third parties. If you don’t properly maintain your house and damages occur, such as mold, your insurance company might not accept the claim you make on these damages.

What risks does home insurance cover in Barrie?

Home insurance generally covers unexpected events that cause damage to your property or a third party. These include floods, theft, storms, fires, etc. Home insurance can cover all or a portion of the repairs or replacement costs up to your insurance policy limit.

If you need to temporarily relocate while these repairs are happening, home insurance might also cover the expenses incurred.

How much home insurance do I need for my home in Barrie?

It depends on how much coverage you want. A standard home insurance policy can cover up to $3 million for liability with additional coverage for detached structures. You can always increase these limits as you want, but it will make your premiums higher.

What can I do to save on home insurance in Barrie?

Here are a few ways to save on your home insurance policy in Barrie:

  • Bundle your home and car insurance with the same insurance company
  • Buy a newly built property
  • Increase the safety and security measures throughout your property
  • Pay your premiums on-time every month or year
  • Increase your deductibles
  • Buy only the amount of coverage you need
  • Don’t file small claims
  • Have a good credit score
  • Compare insurance quotes for the best price

Ready to save on home insurance with Insurance Hero? Reach out using our online form or call us at 1 (855) 777 4376.

What kind of home insurance do you need in Barrie?

It depends on the type of property you own. For example, cottage and seasonal home insurance is great for people that head down to Barrie for a vacation during the summer months or the winter holidays.

Insurance Hero provides many types of home insurance that you can choose from:

  • Homeowners insurance
  • Condo insurance
  • Tenant & renters insurance
  • Cottage & seasonal insurance
  • Rented Dwelling insurance

Get a Home Insurance Quote Today

Are you ready to purchase home insurance in Barrie? Insurance Hero is here to help you find affordable, comprehensive insurance policies. Our insurance specialists work closely with you to find home insurance policies that specifically fit your circumstances.

Call at 1-855-777-4376 (HERO) or use our online form today.