Sandwiched between Whitby and Pickering, east of Toronto, Ajax is located in Durham Region, and according to the 2021 Canadian census, has a population of 126,666. Given its relatively small size and low crime rates, it has cheaper home insurance than many of its neighbours, including several other Durham towns – but more on that later.
Unlike car insurance, home insurance is not mandated by law in Ontario. However, if you intend to mortgage your home, your lender will most likely ask you to buy home insurance. So, while it’s technically not mandatory, you’ll probably require it anyway.
There are four standard types of home insurance available in Ajax – though their exact nomenclature differs from insurer to insurer. Here’s what they are:
Regardless of your coverage, home insurance should always cover the following:
Here are some of the most commonly covered perils by Ajax home insurers:
Certain items won’t be included in your policy, even if you go for comprehensive coverage. If you’re worried that certain perils might affect you, consider adding them to your policy in the form of ‘add-ons’ or ‘endorsements.’ Here are some of the most common ones:
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The average home insurance cost in Ajax is estimated to be $1,068 per year, or about 89 per month, according to the RATESDOTCA Insuramap data. This compares favourably to Ajax’s neighbours, which have slightly higher rates. Whitby and Pickering, for instance, have estimated average annual premiums of $1,102 and $1,202, respectively, while Toronto’s estimated average is $1,467.
The premium discrepancy between Ajax, Pickering and Whitby is minor, so it's unlikely to be caused by any major peril. If you look at the Durham Regional Police’s crime map, you’ll see that the numbers of home-related crimes, such as break-ins and theft, in these cities are very similar and relatively low. That’s probably why their average premiums are similar as well. Toronto, on the other hand, has historically had higher crime rates, which explains why its average is quite a bit higher.
All four cities experience comparable weather patterns due to their proximity, but Toronto probably sees a greater number of claims, as it has more old buildings, which tend to cause issues when weather turns extreme or changes drastically over a short time. Either way, Ajax is in a good place for home insurance premiums.
Note that these estimated averages are all based on the profile of a 45-year-old homeowner, who has been insured for at least 10 years and lives in a 2,500 sq ft house with brick veneer, wood frame construction, natural gas heat, a roof that is 10 to 15 years old and has the maximum available coverage for water protection. This means that your own premium will depend heavily on a variety of factors, so take these averages with a grain of salt.
According to the RATESDOTCA Insuramap data, areas with the cheapest home insurance have postal codes starting with L1T and L1Z, which have the average annual rate of $1,050 – slightly below the city average of $1,068. Durham’s police’s crime map indicates that the areas in question have lower instances of theft, break-ins and similar home-related crimes, as they are less densely populated and more suburban in nature.
The more expensive premiums are in neighbourhoods with postal codes that start with L1S. They are estimated to be around $1,104 per year. These neighbourhoods are nearer to the city core, which means they have denser population and higher crime rates.
Your Ajax home insurance premium will depend heavily on factors unique to you and your property. Here are some of the biggest ones:
|Company||Type of Company||Phone||Address|
|Allstate Insurance: Ajax Agency||Insurance agency||289-460-4332||18D-15 Westney Rd N Unit, Ajax, ON L1T 1P5|
|Best Buy Insurance Brokers Inc.||Insurance broker||289-277-5499||208-1 Rossland Rd W, Ajax, ON L1Z 1Z2|
|Billyard Insurance Group - Ajax||Insurance broker||289-539-0621||104-15 Harwood Ave S, Ajax, ON L1S 2B9|
|First Choice Insurance Brokers Ltd.||Insurance broker||905-683-8484||203-50 Commercial Ave, Ajax, ON L1S 2H5|
|InsuranceHotline.com||Quotes comparison||1-855-821-7312||100-360 Adelaide St W, Toronto, ON M5V 1R7|
|Intact Insurance||Insurance agency||1-844-489-3768||8-59 Westney Rd S, Ajax, ON L1S 2C9|
|LowestRates.ca||Quotes comparison||1-855-487-6981||401-1910 Yonge St, Toronto, ON M4S 3B2|
|Pine Ridge Insurance Brokers Ltd.||Insurance broker||905-683-9725||4-676 Monarch Ave, Ajax, ON L1S 4S2|
|RATESDOTCA||Quotes comparison||1-844-726-0907||100-360 Adelaide St W, Toronto, ON M5V 1R7|
|Scoop Insurance||Insurance broker||1-866-456-6620||22-300 Lincoln St, Welland, ON L3B 4N4|
Find answers to all your Ajax home insurance questions here.
The easiest way to find cheap home insurance in Ajax is by shopping around via websites like InsuranceHotline.com. All you need to do is enter a few details about yourself, and the online portal will pull quotes for you from over 50 insurance providers in your area. It’s free and it only takes a few minutes. Alternatively, you can contact an insurance broker, which might take a little longer, but yield similar results.
If you’re still not satisfied with the quotes you get, there are several other things you can do:
Ajax is a relatively safe place to own a home. Major disasters like tornadoes, overland floods and earthquakes rarely affect it in a big way, and for the most part, homes are safe from theft and vandalism (though, of course, no home is completely protected from such things). Some of the biggest risks in Ajax include:
Yes. Putting up your home for rent changes the risk, which may require you to have a different kind of coverage. If you want your home to be fully protected or avoid getting your claims denied altogether, you should notify your insurer ahead of time.
Should your home and/or possessions get damaged or lost due to an unforeseen event, notify your home insurance provider right away. They’ll be happy to guide you through the process of filing your claim.
Before you contact anyone, make sure you have inventoried all your damaged or lost items and gathered details on what happened to them. If they were simply stolen, then just list the stolen items. Consider including photos or even videos to fully convey the damage or loss. Finally, don’t get rid of the damaged goods before you notify the insurer.
After all of this is done, the insurer will assign a claims advisor to your case, who will contact you shortly.