Kingston Home Insurance

Finding foundational coverage for homeowners and renters in Kingston

From the picturesque neighbourhood of Hillendale to dynamic and historic Inner Harbour, Kingston offers so many different communities and housing options to choose from. In fact, we know firsthand that Kingston is a wonderful city to call home – that’s why many of our brokers live and work here too.

As local insurance experts, we can help you find the right type of home insurance for your unique needs. Whether you are a homeowner or a renter, we offer affordable coverage you can rely on. Our team has over 60 years of experience supporting Ontario residents like you. We’ve built strong relationships with our clients and continue to earn their trust through unparalleled service and expertise.

Safeguard your investment – secure the best Kingston home insurance for your specific needs

Working with a knowledgeable, local broker is one of the easiest and most efficient ways to make sure you are receiving the best coverage at the best price. At Acera Insurance, one of our Kingston home insurance advisors will:

• Learn more about your specific home insurance needs
• Collect several quotes from leading home insurance providers
• Review all of your coverage options
• Answer any of your insurance questions
• Advocate on your behalf in the event of a claim

Our team has been helping Kingston homeowners like yourself for decades. Through exemplary service, in-depth knowledge and thoughtful recommendations, we have earned the trust of our long-standing clients.  While our journey will start by finding you the best home insurance coverage for your initial needs, that is just the beginning. We are your insurance guides – here to help you at each step of the way.

Understanding property insurance in Kingston, Ontario

The right policy can safeguard you against unexpected events. Let’s take a look at the types of property insurance available to you.

• Homeowners Insurance: This insurance covers private homes, their contents, and homeowner liability.
• Renters Insurance*: Renters insurance protects tenant belongings and provides liability coverage.
• Condo Insurance: Condo insurance protects individual condo units and contents and may cover living expenses during repairs.
• Seasonal Insurance: Seasonal home insurance covers property structures, contents, and provides liability.

*Renters require home insurance too, as a landlord’s coverage doesn’t extend to tenant belongings. As a renter, your insurance will cover liabilities and living expenses if relocation becomes necessary due to repairs.

Coverage for physical damage, personal property and personal liability In Kingston

Below are three of the most common types of home insurance coverage applicable to Kingston residents.

Physical damage

This coverage is most applicable to property owners, as it provides protection against damage sustained to physical structures, which can include your home and other exterior features like decks or fences.

Common causes of physical damage (also known as insured perils) can include:

You may require add-on coverage to include:

• Sewer back-up
• Overland water
• Ground water
• Earthquakes

Personal liability coverage

Home insurance also covers potential liability risks. If someone gets injured or their property is damaged on your premises, your home insurance may cover the costs. Additionally, if you cause damage or injury in another’s home, your insurance could cover legal costs and damages.

Personal property coverage

Your belongings, referred to as personal property, are protected under home insurance, even outside your home. Compensation for damage or theft is based on the item’s cash value, although replacement cost policies are also available. High-value items may require additional coverage.

What is the cost of home insurance in Kingston, Ontario?

Your home insurance premium in Kingston are based on several different factors and is unique to you and your property.  These include:

• Your location. Your home’s location is one of the largest factors which influences premiums. Proximity to fire services, for example, can mean lower costs, as you would quickly have access to urgent help when needed. However, being closer to a body of water, where flooding is more common, can have the opposite effect.
• Your home. The size, age and type of materials used to build your home can be used to determine the likelihood your home will be impacted by specific perils. It can also be used to calculate the cost to repair or replace parts of your home.
• Your insurance history. The length of time you have been insured, as well as your claims history, will impact your insurance premium.
• Selected coverage options. You can customize your policy based on your specific needs. You choose your policy limits, deductible and add-on coverages. These selections influence the final costs of your home insurance.
• Damage prevention or detection systems. This can include backup valves, sump pumps, water alarms, burglar alarms, security cameras, and other systems which can help you detect and potentially avoid damage.
• Available discounts. Your eligibility for specific discounts can influence coverage costs and include options like newer home, non-smoker and multi-line bundle.

Each home insurance company will calculate home insurance rates differently. To find the most affordable home insurance premiums in Kingston, it is best to speak with an independent insurance broker. At our Acera Insurance Kingston branch, we shop the market for you to find you the best rates on coverage crafted just for you.

Start your Kingston home insurance quote online

Whether you are purchasing a home in Polson Park, starting a lease on an apartment in Gardiners or have simply reached your annual renewal, you’ll want to feel confident you are receiving the best value for your home insurance coverage. In fact, if you have existing coverage or have just received a quote, you may even be asking yourself, “how much should home insurance cost in Kingston?” or “is this the best home insurance rate available?”. Knowing whether or not you are paying more than you should can be difficult. At Acera Insurance, our dedicated home insurance brokers help answer these questions and more.

As one of the largest independent and employee-owned brokerages in Canada, we have access to some of the top home insurance companies in Kingston and the surrounding area. We utilize our advanced industry knowledge, local experience and network access to provide you with several policy options to choose from. We will answer any of your questions and explain the benefits associated with different selections, in addition to breaking down specific costs. One of our advisors will also discuss ways you can reduce your premiums and will highlight any available discounts. In the end, you will receive peace of mind knowing you are paying for exactly what you need.

To start the process, submit your Kingston home insurance request online.

Kingston Home Insurance FAQs

To have a better understanding of your Kingston home insurance, we’ve compiled our most commonly asked questions – answered for your convenience – below.