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Modern Home Insurance in Oshawa.

We've shopped the world to provide Oshawa home owners with real time quotes from A+ rated carriers. Get more for less with InsureCert.

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Homeownership in Oshawa.

Oshawa is a growing yet well-established city 60 kilometres east of Toronto.  Along with other cities close to Toronto, Oshawa has experienced rapid population growth and is by no means the same city it was just a decade ago. Today, there is a nice blend between the old and the new, especially when it comes to real estate in Oshawa.

Working in Oshawa.  As the “Automotive Capital of Canada”, Oshawa’s economy has long been closely tied directly or indirectly to the automotive industry with General Motors Canada as the city’s major employer.  More recently, Oshawa has benefited from efforts to diversify its economy. The city has experienced major growth in multiple sectors including the health, bioscience and energy generation industries with thousands of people employed in related jobs.

Oshawa is increasingly becoming a centre for education, research, and innovative solutions. In addition to Durham College, Oshawa hosts campuses for both Trent University and University of Ontario Institute of Technology where you will find the Lakeridge Health Education and Research Network "LHEARN" Centre.  This $6.6 million medical training facility was constructed in partnership with Lakeridge Health and numerous post secondary institutions including Queen’s University.

Having Fun in Oshawa.  One of the biggest attractions in Oshawa is a home built by the auto baron R.S. McLaughlin named Parkwood National Historic Site which offers tours as well as event venues. Close by is The Canadian Automotive Museum, which highlights the automotive industry that has been so important in Oshawa's development.

For those who prefer to spend their recreational time outdoors, the Treetop Eco-Adventure Park at Oak Ridges Moraine with its zip-line adventures is a popular option amongst residents and visitors alike. Pumphouse Marsh, Second Marsh and the McLaughlin Bay Wildlife Reserve offer a more tranquil outdoor experience. Lakeview Park with its historic homes, playgrounds and beaches is a popular weekend destination for residents of Oshawa.

Buying a home in Oshawa.  As a rapidly growing community of over 150,000 people, Oshawa offers a wide range of neighbourhoods, many of which are newer developments in master planned communities, while others are older neighbourhoods that offer more mature, low density housing options, such as those found along Cavendish Court or in Central Oshawa along Mitchell Avenue and Drew Street.  Downtown Oshawa still offers some excellent choices in Edwardian or Tudor style houses that were built in the early to mid-1900s. You will also find a range of condominiums closer to the downtown core.  For those who are interested a more modern neighbourhood, North Oshawa, which is located in the area around Taunton Road, offers newer homes in growing communities. One sought after neighbourhood within North Oshawa is Windfields Farm. Touted as the place "Where the Country Meets the City," this community offers spacious homes on large lots. Another desirable neighbourhood can be found along Park Ridge Drive where you can spot a number of excellent options in Oshawa real estate with slightly smaller lots but beautifully maintained, quiet streets.

How we find you the best home insurance in Oshawa.

Home, condo, or renters insurance is a type of insurance that covers loss and damages to your home and any assets in it. Home insurance also provides liability coverage against accidents that occur in or on your property. While home insurance coverage isn’t mandatory in Canada, you’ll be hard pressed to find a lender who will give you a mortgage without it. That’s why finding the right home insurance in Oshawa is so important.

With, you can compare home insurance quotes from Oshawa’s top home insurance brokers and agents in just a few minutes. All you have to do is select your preferred quote, and an Oshawa home insurance provider will be in touch to help you secure it. Not ready to fill out a form? No problem. We answer some of the biggest questions you may have below.

Your Oshawa home insurance questions, answered.

How much is home insurance in Oshawa?
It’s difficult to say exactly what your home insurance price in Oshawa will be. Because insurance is such a customized product, your costs will depend on the home insurance company in Oshawa you choose to work with. Furthermore, the average cost of home insurance in Oshawa probably wouldn’t be an indicator of what you’ll pay. Home insurance rates will vary based on the age of property, construction, wiring, and other elements. One of the fastest ways to get an Oshawa home insurance estimate is to fill out a form on a rate comparison site like InsureCert. We’ll show you quotes from the top insurance companies serving Oshawa.
What perils are specific to Oshawa?
While property insurance in Oshawa doesn’t differ greatly from property insurance in other cities, there are some specific risks to be aware of. For example, the province is prone to wildfire damage, even though Oshawa is relatively protected from this issue, especially when compared to other cities. However, Oshawa homeowners are vulnerable to other risks including: Internal water damage from burst pipes due to the very cold winters. Sewage pipe backup. Overland flooding.
What does home insurance cover in Oshawa?
Generally speaking, house insurance in Oshawa will cover: Repairs to structural damage caused by certain types of perils. A home’s contents, including the personal belongings of the home’s residents, and the belongings of guests. Personal belongings include electronics, clothing, silverware, jewelry, sporting equipment, trees and plants. However, most insurance policies do put a limit on these types of benefits. Liability, which protects the policyholder and family members from lawsuits as a result of bodily injuries. The insurance policy will pay court costs up to the limit of the policy. What many people don’t know about home insurance is that a typical policy will also cover liability or negligence anywhere in North America, subject to exclusions for business and professional activities. Generally speaking, your home insurance coverage in Oshawa will include the following risks:
  • Fire.
  • Lightning.
  • Smoke damage (excluding fireplaces).Theft.
  • Wind and hail.
  • Electrical current.
  • Explosion.
  • Vandalism.
  • Water damage.
  • Broken windows.Wind and hail.
  • Falling objects (unless propelled by a landslide, avalanche, or earthquake)
What risks won’t home insurance cover in Oshawa?
Most home insurance providers in Oshawa won’t cover two kinds of risks: uninsurable perils and optional coverage:

Uninsurable perils are predictable events that aren’t covered by insurance. That’s because the odds are high for a payout. An example of perils that may not be covered is flooding. Optional risks are those that aren’t covered but you can buy insurance for them. These would include sewage backup or earthquakes. Other things home insurance won’t cover include natural wear and tear, government actions, and the failure to make repairs. In Oshawa, most home insurance policies won’t automatically cover things like sewage backup, earthquakes or flooding without additional insurance, which are called endorsements.
What kind of home insurance do you need in Oshawa?

Standard homeowners insurance in Oshawa comes in four different forms: comprehensive, basic, broad, basic and no frills.

Comprehensive - This type of insurance covers the building and contents from all insurable perils.

Basic or Named Perils - This policy insures your home and property for perils specifically named in your policy.

Broad - A broad policy insures your home for all risks as a result of direct damage or physical loss, but the contents are only covered against perils that you name in the policy. It’s considered a middle-ground between a comprehensive and basic policy.

No Frills - As the name suggests, it’s basic coverage for properties that don’t meet normal insurance standards.

While Oshawa is less exposed to the kind of environmental perils than other cities, there are some endorsements homeowners and renters should consider including sewage backup, flooding and increased liability for your valuable items.

Purchasing extra coverage will likely increase home insurance premiums for Oshawa residents, but it’s important to ensure that your assets are adequately protected. If they’re not, the costs of repairs and damages might outweigh the cost of additional coverage.

What can you do to save on home insurance in Oshawa?

Living in a major city can be expensive, but finding cheap home insurance in Oshawa can help you cut costs. If you’re looking to lower the cost of your premium on your Oshawa home, you can:

  • Bundle insurance policies like home and auto.
  • Look into alumni or professional memberships for discounts.
  • Offer to pay a higher deductible.
  • Upgrade your home: replace knob and tube wiring, update valuable parts of your home like the kitchen or basement and replace lead pipes with copper or plastic.
  • Invest in a good security system.

Try to avoid living in areas that are known to be prone to floods, fires, or earthquakes. Finding affordable home insurance in Oshawa doesn’t have to be a struggle. Whatever your method of getting the best rate, comparison shop before you buy so you can compare current home insurance rates from Oshawa providers.

Most places will ask you a series of questions about your home before giving an estimate. You’ll be asked your address, postal code, the size and age of your home, the type of roof, whether you have a deck or a basement, and the type of electrical wiring throughout your home. All this will ensure you get the correct rate and the appropriate amount of coverage.

What are the best home insurance companies in Oshawa?

There is no single answer to this question. There’s no one insurance provider that provides the best home insurance rates to all Oshawa customers because everyone’s home insurance needs are different. The right company is the one that offers you the best rate for the type of coverage you need.

Not all insurance companies will be right for you. Here are several things to keep in mind when you’re choosing an insurer in Oshawa:

  • Do they belong to a reputable association such as the Insurance Brokers Association of Canada?
  • Are they licensed?
  • Is the company in good standing? You can check review sites.
  • Can they provide references from current and previous clients?
  • How long have they been in business?

Ease of contact with your agent and company after you’ve purchased your home or renters insurance policy. Finding an Oshawa home insurance quote online can be the fastest way to get in touch with the right provider that suits your needs.

What if I own a condo or rent? Can I still buy property insurance online?
You’re in luck! We offer policies to renters and condo owners. If you’re on the market for either of these policies, you can actually fill out the property insurance form above and select the Condo Insurance or Renters Insurance option on the first page. If you’re looking for more information about either of these products, feel free to visit our Home Owners link in the top menu of this page.
Home Building Growth 2020 in Oshawa 13.5%
Home Ownership as a percent of population: 69%
Average cost of a home in Oshawa $610,349
Average Oshawa home insurance premiums per month: $92

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Payment Options

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Monthly Withdrawals

Paying your insurance each month may be a more affordable option for you. We’ll divide your premium equally (plus an administration fee) over your 12-month term and automatically withdraw payment from your bank account every month.

  • Premium Financing
Full Payment

Pay your entire insurance premium upfront so you don’t have to think about it until renewal. For new policies, full payment is due before the policy effective date. For policy renewals, full payment is due one business day before the renewal date.

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