Home Insurance Barrie, ON
Home Insurance Barrie, ON
Let’s protect the biggest investment you’ll make in your lifetime.
Home Insurance: Barrie, ON

Barrie is a small, charming coastal town hugging the shores of Lake Simcoe in Ontario. Barrie offers its residents the benefits of living in a tight knit community and enjoying a small town feel while being conveniently located only a short drive away from Toronto and other metropolitan areas. Barrie itself is one of Ontario’s fastest-growing regions due to low unemployment rates and a strong economy. Is it any wonder you chose to make your home here? To protect that investment, you need home insurance in Barrie.
The Importance of Home Insurance in Barrie
Your home protects you from the elements and offers security. It also provides a special sanctuary where you can either enjoy your own company or spend quality time with those you love. When choosing home insurance in Barrie, ensure it provides compensation for the following potential risks.
- Reconstruction costs if your home sustains serious damage and needs to be rebuilt
- Liability coverage to pay for medical expenses, property damage or resulting lawsuit fees
- Living expenses to cover your temporary living arrangements if you are unable to occupy your home due to a disaster
- Basic coverage for personal valuables within the home, such as expensive jewelry and high-tech electronics
Severe winter storms and flooding during the summer months are two of the natural disaster threats that pose a risk to your home in Barrie. Like natural disasters, man-made disasters are often unexpected and unintentional. Kitchen fires or a leak that fills a blocked drain and floods the floors are two key examples. Reconstruction costs and living expenses both come in handy here.
Homeowners most often call upon liability coverage if someone has an accident while on their property. For instance, if you don’t remove ice and snow from your driveway, someone may slip and fall. If you have a dog on the property that attacks someone, this could also lead to medical expenses and the potential for a lawsuit.
Crime has been on the increase in Barrie over the past three or so years, but it is still much lower than most of Canada. Unfortunately, theft is one of the most common crimes in Barrie. If your home gets broken into, insuring all your most prized valuables can help to alleviate some of the pain of your loss.
Home Insurance Details
When it comes to limited coverage for your personal belongings, determine how much insurance you need based on the value of the items in your home. If you’re just starting out as a homeowner, you might not have acquired a lot of valuable items just yet. If this changes in the future, be sure to update your policy to reflect this.
It’s worth noting that liability insurance might not cover the full cost of your expenses when you need it. Your insurance company pays up to the maximum dollar value outlined in your policy. Because of this, you may want to consider getting umbrella insurance.
Umbrella insurance is worth the price if there are features about your lifestyle choices, household members, pets, or property that increase the risk of liabilities. It’s also a worthy investment for homeowners who need to protect their wealth or the inheritance of their heirs from lawsuits.
When searching for insurance options, too many homeowners rush to accept the lowest price only to realize that sometimes, you really do get what you pay for. Instead, it is much more important to ensure you are getting competitive rates across insurers based on the specific coverage items you need.
Customer service is also important. What kind of reputation does the insurance company have among its customers online? Keep in mind that all insurance companies will get complaints due to tough decisions they make that do not always suit the preferences of their customers. However, it’s worth looking for a pattern in the complaints and checking the overall rating.
Finally, can you bundle with them? Do they offer auto insurance, RV insurance or any other type of insurance that would benefit you and your assets? You might enjoy the potential discounts from bundling and the ease of dealing with just one company.
When it comes to limited coverage for your personal belongings, determine how much insurance you need based on the value of the items in your home. If you’re just starting out as a homeowner, you might not have acquired a lot of valuable items just yet. If this changes in the future, be sure to update your policy to reflect this.
It’s worth noting that liability insurance might not cover the full cost of your expenses when you need it. Your insurance company pays up to the maximum dollar value outlined in your policy. Because of this, you may want to consider getting umbrella insurance.
Umbrella insurance is worth the price if there are features about your lifestyle choices, household members, pets, or property that increase the risk of liabilities. It’s also a worthy investment for homeowners who need to protect their wealth or the inheritance of their heirs from lawsuits.
When searching for insurance options, too many homeowners rush to accept the lowest price only to realize that sometimes, you really do get what you pay for. Instead, it is much more important to ensure you are getting competitive rates across insurers based on the specific coverage items you need.
Customer service is also important. What kind of reputation does the insurance company have among its customers online? Keep in mind that all insurance companies will get complaints due to tough decisions they make that do not always suit the preferences of their customers. However, it’s worth looking for a pattern in the complaints and checking the overall rating.
Finally, can you bundle with them? Do they offer auto insurance, RV insurance or any other type of insurance that would benefit you and your assets? You might enjoy the potential discounts from bundling and the ease of dealing with just one company.
Get Started Today
Sometimes you need a little extra help to narrow down your choices for home insurance in Barrie, especially if you are new to homeownership. Our agents can walk you through the process and make it as easy as possible.