London Home Insurance

Whether you own your primary residence, a rental property, or a home undergoing renovations, the right insurance depends on how the property is owned, occupied and used.

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London Home Insurance

For more than three decades, Humberview Insurance has been a premier provider of home insurance in London, proudly serving communities including London. Our method involves connecting each client with a skilled, licensed Insurance Broker, to ensure you receive a policy that's specifically tailored to your needs, at a competitive rate. Specializing in homeowners insurance and a broad range of other property insurance options, our dedication goes beyond just finding affordable rates. We are committed to offering exceptional service and expert advice, from the initial quote to the implementation of your new policy. If you're in London or anywhere in London, click here to get a personalized homeowners insurance quote or click below for other types of property insurance. Whether you are a new homeowner in London, own a student rental in the city, or manage a multi-unit property, Humberview Insurance will be there for you. Click below to get a homeowners quote or scroll below to find other types of property insurance.

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Home Insurance Across London

We help homeowners across London compare home insurance options, including those in:

Mount Brydges • Thamesford • Parkhill • Belmont

London Home Insurance Coverage Options

Building Coverage	Personal Property	Personal Liability	Additional Living Expenses
Protection for your home and attached structures	Coverage for your belongings	Protection against covered liability claims	Helps with living costs after a covered loss
Sewer Backup	Overland Water	Service Line	Claim Protector
Protection from covered sewer backup damage	Protection from eligible surface water losses	Coverage for eligible underground service lines	Provides forgiveness for your first claim

Coverage availability varies by insurer, property and eligibility. Coverage is subject to policy terms, conditions, limits and exclusions.

London Car Insurance FAQ

What is the average house insurance cost in London, Ontario?

The average cost of home insurance in London, Ontario, can vary based on several factors, including the property's location, size, age, the value of the home and its contents, the type of coverage selected, and the homeowner’s insurance history. Insurance rates in London may differ from other regions in Ontario due to its unique local factors and risks.
Is Home Insurance Mandatory in London, Ontario?

While home insurance is not legally mandatory in London or anywhere else in Ontario, it is highly recommended. For homeowners with a mortgage, lenders typically require home insurance to protect their investment. Home insurance in London provides essential financial protection against various risks and damages, including to the physical property and for legal liability.
What does home insurance in London, Ontario, typically cover?

Home insurance policies in London generally include:

Dwelling Coverage: Protects against damage to the structure of the home from perils like fire, wind, or hail.

Personal Property: Covers loss or damage to personal belongings inside the home.

Additional Living Expenses: Provides for living expenses if your home in London is uninhabitable due to a covered loss.

Liability Protection: Offers coverage if someone is injured on your property in London or if you cause damage to someone else’s property.

Note: Homeowners insurance policies vary, and certain risks specific to London, like floods, severe weather conditions, or local factors, may require additional coverage. It's important to review the specifics of your policy to understand what is and isn’t covered in the London region.
What Do I Do If I Decide to Rent Out My Home in London?

Notify your home insurance company, insurance agent, or broker if you plan to rent out your home in London. Different rental arrangements may necessitate specific insurance considerations and rental property insurance. Depending on your living situation, you may need to add the rental property to your new personal home insurance or obtain a standalone policy tailored to your rental arrangement in London.
What if My Property Goes Vacant in London?

Notify your home insurance agent, insurance company, or broker. Most home insurance policies have exclusions for vacancy. Furthermore, properties that are vacant typically have certain coverages reduced or eliminated, such as water damage, glass breakage, or vandalism, but other important coverages such as fire may remain. It is essential you speak to your home insurance representative to find out the details for your particular situation.