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Types of coverage we provide
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)
Protects you if you cause injury or property damage to others in an accident. Helps cover medical costs, legal fees, and/or repairs.
When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.
This provides coverage for loss and damage to your property and/or any assets.
This allows for the protection of your “claims-free discount” in the event of your first claim.
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.
These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.
Recent home insurance quotes in Hamilton
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Our Reviews
Pratham Sood helped us with our home and auto insurance transfer in a very thorough and efficient way and made the whole insurance process simple and stress free. Great customer service, highly recommend.
I had the pleasure to deal with Devin M. Jeffrey from Surex insurance for my home & auto insurance. He is very knowledgeable broker. Highly recommend him for your insurance needs.
Adnan
Manjinder Singh was very patient and knowledgeable with the questions I’ve asked him, and he was able to beat multiple quotes that I received from other companies. I would recommend.
As always, my broker Greg Bourne is there for me when time is of the essence. He responded quickly to my needs for a new car insurance. He values my time and everything was completed within the day! Thank you so much, Greg!
Devin went out of his way to find a competitive insurance rate for my dream vehicle as well as coverage for my instrument collection. I highly recommend Surex and will to others.
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Save up to 25% on home insurance in Hamilton by teaming up with Surex
Hamilton is a mid-sized city with a unique personality. The city of Hamilton is home to post-secondary schools, professional sports teams and hosts a number of lively annual events. Hamilton has so much to offer that it's nearly impossible to list everything! Anyone who is thinking about moving to the city should take a moment to assess their needs, one of which is finding affordable home insurance in Hamilton.
That’s where Surex steps in. At Surex, we make finding affordable home insurance in Hamilton a quick and simple task. We pair homeowners with their own personal insurance advisor, who can help them find and compare coverage options from the top rated home insurance companies in Ontario. Contact us today to learn how you can save up to 25% with Surex!
Home Insurance in Hamilton - What You Need to Know
The average cost of home insurance in Hamilton ranges from $750 to $1,400 annually and is based on location in the city and the neighbourhood. 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 online insurance quotes from different insurance providers will help ensure you aren’t overpaying for your home, car, business, travel or other insurance. Compare insurance companies and get quotes for the best insurance coverage in Hamilton 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 rated home insurance companies in Ontario to see what the right amount of coverage is for you.
Keeping your home protected can help mitigate risks and provide peace of mind. Some ways of potentially lowering the cost of your home insurance in Hamilton include installing a home security system and fire alarm that may be eligible for discounts. Another option would be to opt for the higher deductible amount, a higher amount out of your pocket up front but that can save on your month-to-month payment.
Home insurance in Hamilton depends on the type of insurance you need. Here are a few examples of different types of coverage:
Tenant insurance: Tenant insurance, also known as renters insurance, provides financial protection for individuals renting a home or apartment. It typically covers personal belongings against risks like fire, theft, and certain types of water damage. Additionally, it offers liability coverage if someone is injured in your rented space or if you accidentally cause damage to someone else's property. Some policies also include additional living expenses, covering costs like hotel stays if your rental becomes uninhabitable due to a covered event.
Homeowners insurance (condo): Condo insurance, or condominium insurance, is a policy designed for condo unit owners to protect their personal property, unit improvements, and provide liability coverage. While the condo corporation's master policy typically covers the building's structure and common areas, it doesn't extend to the interior of individual units or personal belongings. Therefore, condo insurance is essential for safeguarding against potential losses and liabilities within your unit.
Homeowners insurance (house): Home insurance provides financial protection against damage to your home's structure and personal belongings due to events like fire, theft, or natural disasters. It also offers liability coverage for injuries or damages occurring on your property. Policies typically include dwelling coverage for the physical structure, personal property coverage for belongings, and liability protection. Additional living expenses coverage may be included to cover costs if your home becomes uninhabitable due to a covered event. *It's important to review policy details, as certain perils like floods or earthquakes often require separate coverage.
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Helpful home insurance guides
Explore helpful guides that explain how home insurance works in Canada, including coverage basics, cost factors, and common policy terms.
