High Risk Home Insurance

Sometimes it’s an error in judgement or bad luck, or maybe even bad timing that causes some homeowners to be labeled “high risk homeowners” by their insurance company. Whatever the reason, being rejected for homeowners insurance can be stressful.

Most homeowners are very conscientious and reliable people who might never have dreamed they would ever be forced to apply for high risk home insurance or be faced with skyrocketing home insurance premiums.

Huronia Insurance Group in Barrie Ontario is here to help.

Over the years, Huronia has developed great relationships with a number of excellent Ontario high risk insurance companies. Our registered insurance brokers can help you find and work with high risk insurance companies like Coachman Insurance, Echelon, Jevco, or Perth Insurance, to secure the best home insurance rates possible.

High Risk Home Insurance Tips

Most homeowners fail to realize that their property or home insurance policy can also earn a place with a high risk insurance company for a variety of reasons including, among others:

  • Poor claims experience during a three to five year period
  • Older homes with knob & tube wiring (or asbestos)
  • Homes with galvanized plumbing
  • No prior insurance history
  • More than 2 mortgages
  • Rental property with an absentee landlord

Even rural homes that are on a well and have no fire hydrant access may be designated for high risk home insurance.

As well, some natural disasters simply cannot be avoided. High winds, forest fires, heavy rain, and tornado-prone or flood-prone areas all can cause tremendous grief and loss. But you can reduce your damage and high risk home insurance premiums by having the following in place:

  • Sump pump with battery backup (must be tested often)
  • Monitored smoke, fire, and security alarms
  • Regular maintenance of roof, plumbing, heating, and wiring
  • Upgraded, energy efficient home and water heating appliances
  • Increased insurance deductibles

It is important to review your property or home insurance policy on a regular basis to ensure proper insurance limits and coverages are in place to suit your unique situation.

Contact Huronia Insurance Group
Offering 199 Years of Combined Experience
Call 1-866-955-8386 OR


AREAS WE SERVICE

Simcoe Region

Barrie
Innisfil
Orilla
New Tecumseth
Wasaga Beach

York Region

Toronto
Aurora
New Market
Richmond Hill
Vaughan

Durham Region

Ajax
Oshawa
Pickering

Halton Region

Oakville
Burlington
Milton

Other Counties

Dufferin
Halton
Muskoka 
Northumberland 
Ottawa 
Peel 
Sudbury 
Thunder Bay
Waterloo 
Wellington 

Have More Questions About High Risk Home Insurance?

If you would like more information about high risk insurance companies in Ontario, or if you have any further questions about high risk home insurance in general, please contact us online, send us an email, or call toll free at 1-866-955-8386 and our Huronia insurance brokers will be happy to help.

Your best insurance is an insurance broker!

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