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Types of coverage we provide
Protects you if you cause injury or property damage to others in an accident. Helps cover medical costs, legal fees, and/or repairs.
This provides coverage for loss and damage to your property and/or any assets.
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.
This allows for the protection of your “claims-free discount” in the event of your first claim.
Referring to 'special limits' on items like jewellery or art if the value is greater than the special limit you should list the item separately.
When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.
When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)
Recent home insurance quotes in Hamilton
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Our Reviews
Devin was very quick to respond to all my numerous questions and making modifications to our application where necessary. He helped us find exactly what we were looking for!
Highly recommend Miguel. He was able to get me into the right product at a lesser price than I expected. Got everything done in a day would’ve been quicker if Autoplus did not crash. Five stars!!!!
Great experience with Prat from Surex . He managed to get things done in a day while everyone else said it will take at least 2 weeks. He understood complicated file quickly and managed to help me out with it . I got Auto insurance at the best rate! I was with TD insurance previously and paid wzy more for exsact tje same policy. I paid it upfront and once time came to an end they did not call or email or any notification about it and just canceled!!! Then told me it will take 2 weeks to get the new one . And I work as a Realtor so to have my car available to drive its absolutely necessary. Very disappointing TD .. I am happy I find Prat he definitely fixed a huge issue.
Manjinder Singh was incredibly helpful. He got me set up with my new auto insurance as soon as it was possible with no issues. He was curteous, knowledgeable and professional. Definitely an asset to your team. Great experience all around.
I’ve had a pleasant experience with Dayana.
She’s everything I want in a service provider. Respectful of time, quick responses, provides clarity on time when required, follows up as promised. She has made this process easier!
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Save up to 25% on home insurance in Hamilton by teaming up with Surex
Hamilton is a mid-sized city with a unique personality. The city of Hamilton is home to post-secondary schools, professional sports teams and hosts a number of lively annual events. Hamilton has so much to offer that it's nearly impossible to list everything! Anyone who is thinking about moving to the city should take a moment to assess their needs, one of which is finding affordable home insurance in Hamilton.
That’s where Surex steps in. At Surex, we make finding affordable home insurance in Hamilton a quick and simple task. We pair homeowners with their own personal insurance advisor, who can help them find and compare coverage options from the top rated home insurance companies in Ontario. Contact us today to learn how you can save up to 25% with Surex!
Home Insurance in Hamilton - What You Need to Know
The average cost of home insurance in Hamilton ranges from $750 to $1,400 annually and is based on location in the city and the neighbourhood. It also includes other factors such as home size, replacement value, coverage type, etc..... All these factors can affect the rate, so contact the best insurance broker today to get your home insurance quote today.
No, there’s no fee. Comparing online insurance quotes from different insurance providers will help ensure you aren’t overpaying for your home, car, business, travel or other insurance. Compare insurance companies and get quotes for the best insurance coverage in Hamilton with Surex for FREE.
It will strongly depend on your home’s physical structure, the value of personal property (including clothing, appliances, TV’s). It’s a good idea to take an inventory of your possessions to confirm you have an accurate idea of the value. There are limits that you’ll need to work with so it’s important to check with the top rated home insurance companies in Ontario to see what the right amount of coverage is for you.
Keeping your home protected can help mitigate risks and provide peace of mind. Some ways of potentially lowering the cost of your home insurance in Hamilton include installing a home security system and fire alarm that may be eligible for discounts. Another option would be to opt for the higher deductible amount, a higher amount out of your pocket up front but that can save on your month-to-month payment.
Home insurance in Hamilton depends on the type of insurance you need. Here are a few examples of different types of coverage:
Tenant insurance: Tenant insurance, also known as renters insurance, provides financial protection for individuals renting a home or apartment. It typically covers personal belongings against risks like fire, theft, and certain types of water damage. Additionally, it offers liability coverage if someone is injured in your rented space or if you accidentally cause damage to someone else's property. Some policies also include additional living expenses, covering costs like hotel stays if your rental becomes uninhabitable due to a covered event.
Homeowners insurance (condo): Condo insurance, or condominium insurance, is a policy designed for condo unit owners to protect their personal property, unit improvements, and provide liability coverage. While the condo corporation's master policy typically covers the building's structure and common areas, it doesn't extend to the interior of individual units or personal belongings. Therefore, condo insurance is essential for safeguarding against potential losses and liabilities within your unit.
Homeowners insurance (house): Home insurance provides financial protection against damage to your home's structure and personal belongings due to events like fire, theft, or natural disasters. It also offers liability coverage for injuries or damages occurring on your property. Policies typically include dwelling coverage for the physical structure, personal property coverage for belongings, and liability protection. Additional living expenses coverage may be included to cover costs if your home becomes uninhabitable due to a covered event. *It's important to review policy details, as certain perils like floods or earthquakes often require separate coverage.
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Helpful home insurance guides
Explore helpful guides that explain how home insurance works in Canada, including coverage basics, cost factors, and common policy terms.
Home sellers in Canada must disclose hidden material defects, as failing to do so can lead to serious legal and financial consequences.
During Canadian winters, blocked vents from snow can cause deadly carbon monoxide buildup—regularly check furnace, water heater, dryer, and chimney vents to ensure they’re clear.
Water damage in condos can be confusing; responsibility varies between owners and associations. Understanding coverage helps prevent costly surprises and ensures proper condo insurance protection.
