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How home insurance works in Windsor

Located in southwestern Ontario, Windsor sits on the south side of the Detroit River, directly across from the City of Detroit. Though Windsor has become somewhat notorious for its extreme weather events, including floods, storms and tornadoes. This may be why the city has some of the most expensive home insurance premiums in the province, despite having relatively low crime rates, according to the 2021 Crime Severity Index in Canada.

While home insurance is not mandated by law in Windsor – unlike car insurance – you may still be forced to purchase it, as most mortgage providers require it. But that’s okay – we're here to help.

Types of home insurance in Windsor

Home insurance in Windsor typically comes in four types, differing mainly by price and coverage. As you might expect, the more coverage you get, the more you pay. Though their exact naming depends on the insurer, they usually boil down to the following:

  • Basic: One of the cheapest insurance types available. It protects both your property and possessions, but only from the perils explicitly listed in the policy. If the peril is not listed, then you’re not covered for it. That’s why it’s also known as a ‘named perils’ policy. It offers the least amount of coverage – if you exclude the ‘no-frills’ option, that is.
  • Broad: This option is a little more inclusive, and more expensive too. It protects your property from most major perils, aside from those listed under ‘exclusions.’ When it comes to possessions, broad insurance protects only against the perils listed in the policy, just like the basic one.
  • Comprehensive: If you want your property and possessions protected from most major perils – other than a few listed exceptions – this coverage type will do the job. With this insurance type, if a peril is listed for either your property or possessions, then you’re not covered for it. And vice versa. Be careful though. ‘Comprehensive’ doesn’t mean you’re protected from everything. Protections for perils like overland floods and earthquakes have to be purchased separately.
  • No-frills: Got a home that can’t be covered by typical insurance? Then no-frills coverage may be handy. This option exists for homes that are in such a poor state that they are too risky to insure under normal circumstances. For instance, their electrical system is so out of date it has a very high chance of causing fire. This type of insurance is best only as a temporary solution – usually for securing a mortgage and/or until you get the home all fixed up.

What home insurance covers in Windsor

Regardless of your coverage, your Windsor home insurance should always cover the following:

  • Property: This doesn’t just entail the home itself but outbuildings and backyard decor, including your shed, barn, detached garage and even your garden. However, don’t assume right off the bat that everything is covered. Discuss this with your insurer to make sure that nothing gets ignored.
  • Contents: Anything you own within your property, such as furniture, electronics, clothing and so forth, falls under ‘contents.’ And unless they are extremely expensive, they will all be covered by your insurance. Pricey artwork, jewelry or collectibles, however, may require purchasing a special ‘add-on’ to ensure they are fully covered.
  • Liability: Should a person – a guest, for instance – get accidentally injured on your property, or should you accidentally damage someone’s property, this will cover the potential medical bills, repair costs and legal repercussions.
  • Additional living expenses: If a covered peril makes your home temporarily unlivable, this will pay for your accommodation and food while you live elsewhere. Ask your insurer to learn what’s covered and for how long.

Commonly covered perils

Here are some of the most commonly covered perils by home insurers in Windsor:

  • Fire: Should your home or possessions catch fire, this will pay for replacing, rebuilding or repairing whatever ends up damaged or lost. But since losing your home in a fire is incredibly inconvenient (and dangerous), check out these tips on how to avoid home fires altogether.
  • Water damage: This one is tricky, since most policies don’t fully cover what some might see as ‘water damage.’ They typically only cover damage to your home or possessions, if caused by water from indoor plumbing, heating, air conditioning, sprinkler or a similar indoor or outdoor appliance. Damage from sewer back-up or overland flooding is normally not covered. Talk to your insurer to make sure you know what’s covered.
  • Lightning: If lightning were to strike your home and damage some of your appliances or electronics, this will pay for their replacement or repairs.
  • Theft and vandalism: If your home gets robbed or vandalized, your insurance will pay to rebuild, repair or replace whatever has been damaged or stolen. If you want to protect your home from theft altogether, check out these steps.
  • Hail and wind: Severe wind or hail can damage both your home and possessions. Your insurance will cover the cost of repairing, rebuilding or replacing whatever ends up damaged or lost. It will also cover the damage caused by flying debris or falling trees, if caused by wind or hail.
  • Falling objects: If an object falls from the sky onto your property and damages either the home itself or your possessions, this will pay for the necessary repairs and/or repairs. Note that objects moved by landslides or snowslides are usually not considered to be ‘falling objects.’ Consult with your insurer to make sure.

Add-ons to home insurance coverage in Windsor

Even your comprehensive policy won’t cover everything. So, if you believe your insurance could cover more, you can purchase additional coverage in the form of ‘add-ons’ or ‘endorsements.’ Here are some of the most prominent ones:

  • Overland flooding: If your home or possessions suffer water damage due to overflowing water from a close by river, stream, lake or thawing snow, this will cover you. In the last decade, Windsor has become very vulnerable to floods caused by melting snow and rainwater, so this coverage might be useful to have. If you need more help, see our tips on how to protect your basement from flooding.
  • Sewer back-up: This is another type of water damage coverage. It will protect your home and possessions if your home gets flooded because of backed up sewage pipes, toilets, drains or showers. Backed up sewage is usually the product of too much rainwater and melted snow entering the sewer system at the same time. Given how vulnerable Windsor is to floods, this is another useful coverage to have.
  • Earthquake: This endorsement will protect your home and possessions from damage due to an earthquake, landslide, snowslide and volcanic eruption. Earthquakes, especially severe ones, are extremely rare in Windsor and the rest of southern Ontario, as are the other three perils in this category, so it’s unlikely that you’ll need this endorsement.
  • Mass evacuations: If a mass evacuation due to a flood, wildfire or another major peril causes you to live away from your home, this will cover the costs of your accommodation and food.
  • Valuable possessions: Should you realize that some of your possessions, such as jewelry, collectibles or artwork, are too expensive to be covered by regular insurance, this add-on will do the job. Before you purchase it, however, evaluate all your items and talk to your insurer to make sure you actually need it.

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How much does average home insurance cost in Windsor?

According to the RATESDOTCA Insuramap data, home insurance in Windsor is estimated to be $2,124 per year on average, or roughly $177 per month. This is well above Ontario’s estimated average of $1,427 per year. Windsor is the second most expensive city for home insurance in the province, right after Lasalle, which has an average estimated premium of $2,411 per year.

There is a reason for this. Windsor has become infamous for its erratic weather – from extreme snowfalls and heavy rainfalls to floods, frigid winters and tornadoes. They’ve been causing a lot of damage to homes, which in turn has led to more claims and higher premiums. Though theft and vandalism certainly factor into the equation as well, they are not as plentiful in Windsor as they are in other Ontario cities, such as Toronto, for example, which has an estimated average premium of $1,467 per year – well below Windsor’s.

Some parts of Windsor are less affected by high premiums than others, so if you’re still shopping for a home, you may want to research which of them are the cheapest ahead of time.

Note that the above averages are 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 specific circumstances, including your personal claims history as well as property condition and size, will factor into your premiums, so take this all with a grain of salt.

Cheapest home insurance in Windsor

The cheapest average home insurance in Windsor is estimated to be $1,521 per year. It can be found in areas with postal codes starting with N8V – south of Windsor International Airport. The most expensive average premiums in Windsor are estimated to be $2,552 per year. They can be found in neighbourhoods with postal codes starting with N9K.

You’ll find these postal codes on the outskirts of Windsor, in the suburbs, which is somewhat unusual. In most cases, one would find the highest premiums in the most densely populated parts of the city, such as downtown, for example – and the other way around when it comes to cheap premiums.

This isn’t the case in Windsor – likely because the weather is what’s causing premiums to go up.  Due to its unpredictability, you’ll find expensive and cheap premiums in suburban and urban neighbourhoods alike, making it difficult to pinpoint a specific pattern. Your best bet is to shop around for cheap quotes using a website like and see where you stand – especially if you haven’t bought a home yet.

Factors that determine your Windsor home insurance premium

Your Windsor home insurance premium will depend not only on its erratic weather but on several other factors. Here are some of the major ones:

Home-related factors

  • Replacement cost: The amount it would cost to rebuild your home from scratch, if it were completely destroyed. This factors in the home’s square footage, the number of floors, the overall structure and material and labour costs. The more expensive the home is to rebuild, the higher the insurance premium.
  • Condition: In most cases, the older the home, the worse condition it happens to be in. Leaky pipes, outdated electrical wiring, structural issues and similar maintenance problems can all increase the risk of floods, fires and other perils. This means higher premiums, of course. In addition, the condition of certain homes can be so poor that some providers may not bother insuring them at all – until the issues are fixed. If that happens, you can try going with the ‘no-frills’ coverage.
  • Roof age: If your roof hasn’t been renovated in over 20 years, it may cause issues like poor insulation and leaks, both of which will eventually result in long-term damage to the rest of your home. This will not only raise your premiums but may drive your insurer to cover no more than 25% of the roof’s replacement cost in the event something happens to it.
  • Renovations: If you renovate your home, raising its value in the process, then your premiums may go up. If you happen not to notify your insurer about such modifications, then expect a lower payout if something happens to your home.
  • Location: Some places are more likely to experience higher amounts of crime, floods, earthquakes and other perils. Insurers classify their premiums by district, not city, which means that districts in a single city may vary drastically in terms of their premiums. Windsor is such a city, as it’s plagued by all kinds of unpredictable weather events, including extreme cold, tornadoes, heavy rains and snowfalls. That’s why the city’s premiums on average are some of the highest in Ontario. That said, certain districts within it are much, much cheaper than others.
  • Security: If you live in a high-crime area, having burglar alarms can lower the risk of break-ins and theft. It can also lower your premiums. Crime isn’t a huge concern in Windsor, but you may still want to investigate this.
  • Proximity to fire halls and hydrants: The greater the distance between your home and fire halls or hydrants, the more likely your home is to suffer severe fire damage. This issue affects rural areas more than urban ones, since homes tend to be more isolated there.

Homeowner-related factors

  • Claims history: Your personal claims history may be one of the biggest driving factors behind your premiums. If you haven’t filed any claims, then your premiums will be lower. If you have filed some, then they will be higher. It’s important to note that you should only file a claim in the event of a major disaster – meaning that a good portion of your home or possessions are either lost or damaged. If it’s an issue that you can mostly address yourself, then consider not filing a claim for it.
  • Credit score: Statistically, people with higher credit scores file fewer claims than people with lower scores. This can work to your benefit, as insurers in Ontario can’t legally use your credit score to increase premiums. However, you can use it to do just the opposite – by agreeing to a soft credit score check (one that won’t impact the score itself).
  • Mortgage: If you’ve already paid off a significant portion of your mortgage, then you may be entitled to a premium discount ranging from 10% to 20%. Discuss this with your insurance provider.

Top home insurance companies in Windsor

CompanyType of CompanyPhoneAddress
All-Risks Insurance Brokers LimitedInsurance broker519-253-63761255 Ouellette Ave, Windsor, ON N8X 1J3
Billyard Insurance Group – WindsorInsurance broker519-981-80703-3750 Walker Rd, Windsor, ON N8W 3S8
EasyInsureInsurance broker1-800-679-2640C-3600 Rhodes Dr, Windsor, ON N8W 5A4
InsuranceHotline.comQuotes comparison1-855-821-7312100-360 Adelaide St W, Toronto, ON M5V 1R7
LowestRates.caQuotes comparison1-855-487-6981401-1910 Yonge St, Toronto, ON M4S 3B2
Protect Plus Insurance Brokers Inc.Insurance broker519-258-7733E-13013 Tecumseh Rd, Windsor, ON N8N 3T4
RATESDOTCAQuotes comparison1-844-726-0907100-360 Adelaide St W, Toronto, ON M5V 1R7
Scoop InsuranceInsurance broker1-866-456-662022-300 Lincoln St, Welland, ON L3B 4N4
SurNet Insurance Group Inc.Insurance broker519-915-95076-2557 Dougall Ave, Windsor, ON N8X 1T5
Will Insurance Brokers Ltd.Insurance broker519-979-3700E-13039 Tecumseh Rd, Windsor, ON N8N 3T4

Frequently asked questions about Windsor home insurance

Find answers to all your Windsor home insurance questions here.

How can I find the cheapest home insurance quote in Windsor?

You can find cheap home insurance in Windsor by shopping around online. If you head over to, for instance, all you need to do is share a few details about yourself, and the website will deliver cheap home insurance quotes from over 50 providers in a matter of seconds. Why would they be cheap, you wonder? Because our providers compete with each other to offer you the best premium available. This process is both free and easy.

Alternatively, you can contact an insurance broker, which would take a little longer, but offer similar results.

If you’re still not happy with the quotes you get, there are a few other things you can do:

  • Bundle your car insurance with your home insurance under the same company. This will also simply your payment process.
  • Increase your deductible – at the cost of the payout you will receive should something damage your property or its contents.
  • Agree to a credit score check, which can reduce your premiums if the score is high enough. This won’t impact the score itself, and since Ontario prohibits premium increases based on credit scores, this won’t increase your premiums either.
  • Remove certain risks to your home by ensuring proper maintenance. Install burglar and fire alarms, keep your roof in good shape and make sure your pipes and electrical wiring are all up to date.

What kind of risks do Windsor homeowners face?

Windsor homeowners are facing many risks when it comes to weather-related perils in particular. While crime is on the rise in Windsor, it’s still lower than in many other places in Ontario.

With that said, here are some of the biggest risks Windsor homeowners face:

  • Floods: Due to heavy rains and snowfalls, Windsor has seen more than a few floods over the last decade. In the case of snow, floods usually occur in spring, when too much snow melts all at once. Rain is the bigger problem, however. In 2016, for instance, Windsor was hit by a record rainfall that led the city to declare a state of emergency. It remains a persistent problem to this day.
  • Snowfalls: Windsor has seen snowfalls of more than 40 cm. Snowfalls are known to cause roof damage, particularly when snow accumulates over time. It can lead to water seepage as well as ice dams – ice build-up in the eaves, caused by melting snow.
  • Freezing temperatures: Winter temperatures in Windsor can sometimes be as low as -28°C. This increases the potential for burst and frozen pipes.
  • Windstorms: Or in the case of Windsor, tornadoes. In 2010 in particular, Windsor-Essex was hit by more than half of Ontario’s tornadoes. More recently, in July 2023, Windsor has gone through a windstorm with winds as high as 110 km/h, according to Environment Canada.

Do I need to update my Windsor home insurance provider if I am running a short-term rental on Airbnb or Vrbo?

Yes. Putting up your home for rent via Airbnb or Vrbo changes the risk. You’ll likely need a customized rental insurance policy to protect your home and yourself from unforeseen events or third-party liability issues.

So, if you want to avoid a lower payout or getting your claims denied altogether, you should notify your insurer ahead of time.

How can I file a home insurance claim in Windsor?

If your home and/or its contents get damaged or lost because of an unforeseen event, notify your home insurer as soon as you can, and they’ll walk you through the process.

Make sure you have inventoried everything that got damaged, explaining the damage in detail, and if possible, including photos or videos to more clearly convey the extent of the damage. You should also attach proofs of purchase, receipts, police reports, owner’s manuals and warranties. Keep all the damaged items (unless they pose a risk to your health) until you notify your insurer and confirm with them if you can dispose of them. As rule of thumb, always be as detailed as possible when describing your circumstances and ask as many questions as you can.

Once you file your claim, the insurer will assign a claims advisor to your case, who will contact you shortly.

If requested, file a ‘roof of loss’ form that lists all damaged or lost property or possessions with the cost of the damage or loss. You must confirm that all the statements are true. If found not to be, your insurance could become void.