Published at Thursday, April 12th, 2018 - 14:03:10 PM. Home Insurance. By Durand.
Provincial differences do exist. Coverage costs vary by province because each province has its own unique challenges. Average insurance in Ontario are not typically impacted by things like earthquake coverage but the same cannot be said of British Columbia, for example. In Canada, overland flooding is a separate area for insurance and insurers are not typically willing to cover this risk. As an example, an average home insurance premium in Alberta is ~$900/year for homeowners. Quebec homeowners pay on average ~$840/year in home insurance costs.
Now, this is all available to us, thanks to the advancements of the Internet. It is important to understand, however, that the elimination of an agent, means a bit more homework on your part. Things may be cheaper and easier by utilizing the power of the Internet, but you'll be missing guidance from a qualified agent. So, you'll need to take a look at what type of coverage you need, what specifically you need to cover, and how much. These are important areas of guidance that will be lacking, due to the lack of advice. So, it's important to do some due diligence, rather than just finding the best rate and going with it. It's also important to note that you should try to work with high quality insurance companies rated "A" or better. You'll more than likely be paying into a policy for years, and you'll want to make sure that company is around when you need them most. All insurance companies are not created equal, some will weasel out of claims at every chance they get, and that's why quality is so important.
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