Affordable House & Home Insurance in Burlington Ontario

At CCV Insurance, we offer a wide range of home insurance coverage for Burlington residents and can tailor a home insurance policy to suit their personal needs. After all, no two Burlington homes and homeowners are ever the same, so why should their insurance policies be? Our expert insurance brokers believe in a more targeted approach to ensure you’re getting the right coverage to suit you, at a competitive rate.

CCV Insurance & Financial is one of Ontario’s largest independently owned insurance brokers, and has been serving home insurance to Burlington clients for over 40 years. Our team of insurance professionals support our services and products with their extensive expertise and training, and dedicate themselves solely to our single motivation: our clients.

We think beyond the traditional home insurance; Burlington Ontario clients can rest easy knowing CCV has the right coverage for them, from the simplest to the most complicated of insurance needs. We provide our clients with professional advice that caters to fit their individual requirements.

We strive to supply options, knowledge, and look forward to maintaining long-standing relationships with our clients.

Why Do I Need Home Insurance in Burlington?

For most Canadians, their home is their largest single investment. It’s also the place where life and memories happen. Protecting this investment against fire, theft and acts of God just makes good business sense. It’s also likely required by your lender if you have a mortgage on your home. However, not all home insurance Burlington residents have available to them is alike.

Because your home is easily your most expensive assets, it’s integral that you protect it from losses that are unavoidable. Home insurance in Burlington isn’t required by law like auto insurance, but it is essential to protect your home from insured perils and liability. Moreover, home insurance may protect your personal belongings, cover temporary housing after an insured loss, and allow you to sleep a little more soundly at night knowing you have a safety net.

There are several things you’ll want to consider before settling on a home insurance policy for your Burlington house;

Deductible Amounts

The deductible is the amount you, as the homeowner, have to pay before the insurance company will reimburse you in the event of a claim. In general, the higher the deductible, the lower your premiums will be. Common deductibles are $1,000 and $500.

Replacement vs. Real Value

This can be a tricky point. In most areas, the market value of a home is not the same as what it would cost to rebuild the home if it were destroyed by fire or other disaster. While replacement cost for home insurance in Burlington is generally more expensive, it will help ensure that you will be able to rebuild your home should it be destroyed.

Flood Insurance

While standard home insurance policies include coverage for things like fire, having a tree fall on your roof, vandalism, theft and other similar events, they generally do not cover damage that results from a flood. If you are purchasing home insurance for a Burlington area that is prone to flooding, you’ll want to consider taking out an extra policy for flood damage.

Home Contents

Protect your most valuable assets and prize possessions inside of your home, too! The amount of coverage for your furnishings and personal possessions is usually a percentage of the value of your home. However, there are usually caps on certain expensive items like jewelry, artwork, coin collections, silver flatware and antiques. To insure these items for their entire value, you’ll need to purchase an additional rider to your basic policy.

Discounts on Your Premiums

Discounts on your home insurance premiums are available for a variety of things. These include having a smoke and/or burglar alarm, installing a metal or other fire-resistant roof and putting deadbolts on your doors. Want more ways or ideas on how to save money on your premiums for home insurance? Burlington residents can contact us with any questions they may have. Our team are here to help.

Rate Factors for Home Insurance in Burlington Ontario

How can I get more affordable rates for my home insurance in Burlington? Saving money is always one of the first things on our minds when it comes to purchasing insurance. We want a sure-fire way to save money without compromising the coverage that you need. Home insurance for Burlington residents is easy enough to understand, and by getting a good grip on what affects it, policyholders can learn how to lower their insurance premiums.  Your home insurance in Burlington is impacted by a variety of different influences. Here is a list of just a few:

  • The amount of money it would take to replace your money if it were destroyed. This includes the size of your house as well as its contents and any additional structures, such as a shed or garage. In order to mitigate the cost of premiums for a large, expensive home, ensure that your home is ready for a potential detrimental weather event by implementing weather-safe material, making renovations when necessary, and updating lagging features. Make sure you notify your insurance provider about any changes you make to your home.
  • Your claims history and insurance background. If you have been continually insured, made few to no claims in the past and not jumped from insurance company to insurance company, your provider will take note of this and likely result in lower premiums.
  • How far you are from hazardous features, like rivers or lakes. Furthermore, your proximity to fire hydrants and fire stations matters as well.
  • Your area and its claims history and crime rates. If the area you live has a high rate of weather-related or crime-related claims, your insurance premiums will probably be much higher than if there were very few claims.

Essentially, the more exposed you are to hazards, the higher your rates for home insurance in Burlington will be. Consider bundling your home and auto insurance, regularly performing maintenance checks on your home, and renovating where necessary to mitigate the costs.

Have a question about home insurance? Burlington residents can contact one of CCV’s Ontario home insurance brokers today. Our team are experts in the industry and are willing to answer your queries.

Apply For Home Insurance in Burlington

Need home insurance in Burlington Ontario? Our local team can help you find the right house insurance policy to suit your needs and lifestyle. Don’t wait any longer – to learn more about protecting your investment in your Burlington home and property, contact CCV Insurance today for a free quote.

Toll-Free: 1-877-422-8467
24-Hour Claims: 1-877-422-8123

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