Sault Ste Marie Home Insurance

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Sault Ste Marie Home Insurance

For over three decades, Humberview Insurance has been a leading provider of home insurance in Ontario, dedicated to assisting homeowners in Sault Ste. Marie, affectionately known as "The Soo." We focus on connecting each client with a knowledgeable, licensed Insurance Broker, ensuring you receive a policy tailored to your unique needs at a competitive rate. Specializing in homeowners insurance, we cater to the diverse property types in Sault Ste. Marie, from family homes to lakeside cottages. Our commitment extends beyond affordable rates; we provide outstanding service and expert advice from the initial quote to policy implementation. If you're in Sault Ste. Marie or anywhere in Ontario, click here for a Sault Ste Marie home insurance quote. Whether you own a family home, a vacation retreat by the lake, a sprawling farm, or manage a property in "The Soo," Humberview Insurance is your go-to partner. Click below for a homeowners quote or scroll further for other property insurance options.

Standard Home Insurance Coverage in Ontario

Dwelling/Building Insurance

This coverage protects the physical structure of your home including walls, roof and built in fixtures against damage from events like fires and storms.

Detached Private Structures

Covers structures on your property that are separate from your main home like garages and sheds. It provides protection against damage or loss due to covered events.

Personal Property Insurance

Protects the items inside your home, such as furniture, electronics and personal belongings. It offers compensation for loss or damage due to covered events.

Additional Living Expenses

If your home becomes uninhabitable due to a covered loss, this coverage helps pay for temporary increase in living costs like hotel bills, meals and other expenses.

Legal Liability

Provides Protection if you are held legally responsible for injury or property damage to others. It covers legal costs and damages, safeguarding your finances in case of a covered claim.

Every home is different and to ensure what kind of coverages your home may qualify for you should always speak to a licensed Sault Ste Marie Home Insurance Broker to find out what is and is not covered under your policy. The above coverages are typically for homeowners policies (owned occupied homes) the availability of the above coverages can vary depending on the property and applicant. Its essential to consult with a licensed Home Insurance Broker to determine which additional coverages are necessary or desirable for your home’s unique needs

Extra Home Insurance Coverage You May Add-On

Bylaw Coverage

Covers additional costs to rebuild or repair your home to current building codes after a covered loss, especially important for older homes.

Claim Protector

Provides forgiveness for your first claim, preventing your home insurance premium from increasing as a result of this claim.


Offers coverage for damage caused by an earthquake, which is not typically covered under standard home insurance policies.

Guaranteed Replacement Cost

Ensures your home is rebuilt to its original state after a loss.

Identity Theft

Covers expenses related to restoring your identity and credit if you become a victim of identity theft.

Overland Water

Protects against damage from water flowing above ground and entering your home, such as from heavy rains or melting snow.

Rental Income

Provides coverage for lost rental income if a rented part of your home becomes uninhabitable due to a covered peril.

Scheduled Items

Offers coverage for specific, high-value items like jewelry, art, bicycles and other specialty items. It must be listed on the policy.

Service Line

Covers the cost of repairing or replacing damaged underground service lines, like water or power, for which you are responsible.

Sewer Backup

Provides protection against damage caused by the backing up or overflow of sewers, drains, or sump pumps.

Single Limit

Offers a combined total coverage amount for your dwelling, personal property, and additional living expenses, allowing flexibility in how you use your coverage after a loss.

Umbrella Liability

Extends liability coverage beyond the limits of your standard policy, offering additional protection in case of major claims or lawsuits.

Please note, the availability of the above coverages can vary depending on the property and applicant. Its essential to consult with a licensed Home Insurance Broker to determine which additional coverages are necessary or desirable for your home’s unique needs

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How Home Insurance Quotes Are Determined


Applicant Details

Information such as age, employment


Coverages You Choose

Type of home coverage you choose heavily influence your home insurance premium.


Discounts You Qualify For

Many home insurance companies offer various discounts that can lower your premium.


Insurance History

Your previous history with home insurance, including any claims you've made can impact your rates.


Property, Location, Age

The location of your home as well as its age or the age of any updates such as roof, plumbing, electrical and heating all influence the premium.


Your Credit Score

Many Ontario home insurance companies use credit scores to assess risk. A higher credit score can lead to lower cost of home insurance.

Ways You Can Save on Sault Ste Marie Home Insurance


Discounts for homes equipped with monitored security alarms equipment for burglary, smoke and fire can result in reduction of your home insurance cost

Car Insurance and Home

Savings are offered when you bundle home insurance with car insurance through the same provider. Savings can be significant

Claims Free

If you haven’t filed any insurance claims for a certain period, insurers may offer a discount.


Some insurance companies may offer a discounted rate for member of certain groups, organizations or alumni of certain universities and colleges

Mortgage Free

Homeowners who have paid off their mortgage and do not have a line of credit on the property can often receive discounts on their home insurance.


If you insure more than one property with the same company such as a primary residence, cottage or rental property can help bring down the price for each property.

New Home

Some insurers may offer discounts on homes that are newly built.

Non-Smoking Discount

Non-smokers may receive a discount on their home insurance. Another reason to quit!

Renewal Loyalty

Insurers often reward loyalty with discounts for customers who consistently renew their policies each year. Additionally, Some insurers provide significant discounts to new customers who have demonstrated loyalty to their previous insurer.

Water Damage Mitigation

Some insurers offer discounts for homes with systems designed to prevent water damage such as sump pumps, water sensors or back water valves

Tips for Home Maintenance in Sault-ste-marie

Roof and Basement Care in “The Soo”

In Sault Ste. Marie, where weather conditions can include heavy rains and occasional storms, ensuring your roof is well-maintained is essential. Regular inspections and timely repairs can help prevent leaks and damage.It's also crucial to keep your basement dry. Extending downspouts away from your house and regularly cleaning the eaves can significantly prevent moisture and water from entering your home, thus protecting both the foundation and interior spaces.

Maintain Your HVAC System

With the diverse climate of Sault Ste. Marie, maintaining your HVAC system is vital. Prepare for cold winters and warm summers by regularly changing furnace filters and checking for leaks. This keeps your system operational when needed, ensuring comfort and avoiding costly repairs.

Tree Maintenance is Key

Regular inspection and maintenance of trees and shrubs in Sault Ste. Marie, especially those close to your house or power lines, are important. Overgrown or unstable trees can pose risks to your property and safety. Routine maintenance, such as pruning and health assessments, helps mitigate these risks and maintain the beauty of your surroundings.

Drain Maintenance

Maintaining the drains leading to your house is important in Sault Ste. Marie. Ensure that drains are clear of debris and that the pipe is in good condition. This helps to prevent blockages and ensures that wastewater is effectively removed from your property.

Did you Know About Sault-ste-marie?

Sault Ste. Marie, nestled on the border with the United States along the St. Marys River in Northern Ontario, presents a diverse residential landscape blending natural beauty with industrial and cultural significance. Understanding home insurance in Sault Ste. Marie is crucial, considering its array of property types and unique geographical and cultural settings. Here's an overview of Sault Ste. Marie's housing scene and its impact on home insurance:

Varied Neighborhoods and Architectural Styles

Downtown Sault Ste. Marie (P6A)

The downtown area offers a mix of commercial and residential properties, including historic buildings and modern developments. Insurance policies here must cater to a range of urban living situations, from older buildings to newer apartments and condos.

East End (P6B)

Known for its family-friendly neighborhoods and a mix of housing styles, the East End requires home insurance solutions that accommodate everything from traditional single-family homes to newer townhouses.

Urban and Suburban Mix

West End (P6C)

This area is characterized by a blend of residential neighborhoods and commercial zones, offering a suburban lifestyle with proximity to industrial and commercial areas, necessitating diverse insurance solutions.

Near Algoma University

The vicinity of Algoma University, especially in the East End, features a concentration of student housing and rentals, demanding specialized insurance coverage for landlords that require student rental insurance for their properties.

Proximity to Natural Features and Industrial Areas

Along the St. Marys River

Properties near the St. Marys River, offering scenic views and access to waterfront activities, might have specific insurance considerations due to water proximity and potential flooding risks.

Near Industrial Sectors

As Sault Ste. Marie is known for its steel industry and related businesses, properties in close proximity to industrial areas require insurance that takes into account environmental factors and potential industrial risks.

Diverse Insurance Needs in Sault Ste. Marie

Property Variety

Sault Ste. Marie's range of properties, from downtown urban dwellings to suburban homes in the West End, calls for tailored home insurance solutions.

Industrial and Cultural Proximity

Given its industrial background and cultural significance, including its relationship with First Nations communities, the city's insurance needs often require considerations for these unique aspects.

Community Dynamics

As Sault Ste. Marie continues to evolve, with new developments and demographic shifts, the changing landscape introduces new insurance requirements, differing from more established areas.

In summary, Sault Ste. Marie's combination of industrial heritage, urban development, proximity to natural landscapes, and cultural richness necessitates a comprehensive understanding of home insurance needs. These solutions should be customized to the specific characteristics and locations of each property in Sault Ste. Marie, Ontario, reflecting its unique position in Northern Ontario.

Sault Ste Marie, Ontario Home Insurance FAQ

  • What is the average house insurance cost in Sault Ste. Marie, Ontario?

    The average cost of home insurance in Sault Ste. Marie, 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 Sault Ste. Marie may differ from other regions in Ontario due to its unique local factors and risks.

  • Is Home Insurance Mandatory in Sault Ste. Marie, Ontario?

    While home insurance is not legally mandatory in Sault Ste. Marie 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 Sault Ste. Marie provides essential financial protection against various risks and damages, including to the physical property and for legal liability.

  • What does home insurance in Sault Ste. Marie, Ontario, typically cover?

    Standard home insurance policies in Sault Ste. Marie 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 Sault Ste. Marie is uninhabitable due to a covered loss.

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

    Note: Homeowners insurance policies vary, and certain risks specific to Sault Ste. Marie, 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 Sault Ste. Marie region.

  • What Do I Do If I Decide to Rent Out My Home in Sault Ste. Marie?

    Notify your home insurance company, insurance agent, or broker. Know the type of tenants you wish to rent out to, as there are different options whether you rent out to one family, students, or if you are renting individual rooms out to individual people. Also, depending on where you will be living, you may need to add the rental property to your new personal home insurance or you may need a standalone policy.

  • What if My Property Goes Vacant in Sault Ste. Marie?

    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.

Other Types of Sault Ste Marie Home Insurance or Property Insurance You May Be Searching for In Sault Ste Marie

Rental Property Insurance

Sault Ste. Marie Rental Property Insurance

For landlords in Sault Ste. Marie, Ontario, offering rentals to families, individuals, or students, our custom insurance solutions are ideal. Humberview Insurance specializes in policies tailored for landlords in Sault Ste. Marie, covering a wide range of rental situations. We are adept in rental property insurance, ready to accommodate different types of rentals, including those suitable for student living if needed. Our policies can be personalized for both personal and commercial properties, ensuring comprehensive coverage. Protect your student rental, family-occupied residences, apartment buildings, or rooming houses in Sault Ste. Marie with the right insurance. Contact us for a personalized Sault Ste. Marie rental property insurance quote to secure your real estate investment.

Estate Home Insurance

Estate Home Insurance in Sault Ste. Marie

In the delicate situation where a home becomes part of an estate following a homeowner's passing in Sault Ste. Marie, obtaining the appropriate estate home insurance is crucial. This is necessary regardless of whether the property is family-occupied, rented, or vacant. At Humberview Insurance, our skilled brokers assist estate executors in Sault Ste. Marie through the insurance acquisition process, ensuring that coverage is perfectly suited to the unique needs of the property. This service is vital for protecting the homeowner’s legacy and their significant asset during this sensitive period.

Vacant home

Vacant Home Insurance in Sault Ste. Marie:

For unoccupied properties in Sault Ste. Marie, such as those awaiting sale, under renovation, or between tenancies, vacant home insurance is essential. Humberview Insurance understands the unique challenges and risks associated with insuring vacant homes in Sault Ste. Marie. These policies often come with more restrictive coverages, including potential exclusions like water damage. Our team is prepared to discuss your specific needs and provide a customized insurance quote to fully protect your vacant property in Sault Ste. Marie.


Seasonal Cottage and Secondary Home Insurance in Sault Ste. Marie

The scenic surroundings of Sault Ste. Marie and its nearby areas make owning a seasonal cottage or secondary home a popular choice. Humberview Insurance offers specialized policies for these distinctive properties, tailored to the specific needs of seasonal cottages and secondary homes. Our coverage takes into account the different usage patterns and risks these properties face compared to primary residences. Whether your property in Sault Ste. Marie is used as a family retreat, a seasonal rental, or is vacant at certain times of the year, it's crucial to have insurance that accurately reflects its unique role. We provide solutions that cover a variety of risks, including weather-related damages, theft, and liability concerns. Property owners are encouraged to consult with our expert brokers to find the most appropriate insurance options, ensuring peace of mind for their valuable investment.

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