St Thomas Home Insurance

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St Thomas Home Insurance

For over three decades, Humberview Insurance has been a leading provider of home insurance in Ontario, dedicated to assisting homeowners in St. Thomas. 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 St. Thomas, from family homes to other residential properties. Our commitment extends beyond affordable rates; we provide outstanding service and expert advice from the initial quote to policy implementation. If you're in St. Thomas or anywhere in Ontario, click here for a personalized homeowners insurance quote. Whether you own a family home or manage a property in St. Thomas, 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 St Thomas 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 St Thomas 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 St Thomas

Roof and Basement Care in St. Thomas

In St. Thomas, where weather conditions can include heavy rains and occasional storms, ensuring your roof is well-maintained is crucial. Regular inspections and timely repairs can prevent leaks and damage.
Keeping your basement dry is equally important. Extend downspouts away from your house and regularly clean the eaves to prevent moisture and water from entering your home, thus protecting both the foundation and interior spaces.

Maintain Your HVAC System

With St. Thomas's diverse climate, maintaining your HVAC system is essential. Be prepared 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 St. Thomas, 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.

Septic Tank Maintenance

For properties in St. Thomas that utilize septic systems, regular maintenance of the septic tank is crucial. This includes having your septic tank inspected and pumped every 3-5 years, depending on usage, to prevent system overloads and failures. Proper maintenance is essential for the system's longevity and for environmental safety.

Did you Know About St Thomas?

St. Thomas, Ontario: A Rich Residential Landscape in Southwestern Ontario

St. Thomas, known as the "Railway City," is situated in Southwestern Ontario and features a rich residential landscape that blends historical significance with small-town charm. Understanding home insurance in St. Thomas is important, considering its diverse array of property types and unique historical backdrop. Here's an overview of St. Thomas's housing environment and its impact on home insurance

Distinct Neighborhoods and Architectural Styles

Downtown St. Thomas (N5P)

In cities like The downtown area is characterized by a mix of commercial and residential properties, including historical buildings and newer constructions. Home insurance in this area must cater to a variety of urban living situations, from heritage homes to modern apartments.

Southwick (N5R)

Known for its quiet, residential nature, Southwick offers a range of housing styles, from traditional single-family homes to newer developments, necessitating versatile home insurance policies.

Small-Town Living with Historical Charm

North St. Thomas (N5P, N5R)

This area, encompassing parts of the city's north side, offers a blend of residential neighborhoods with a suburban feel, featuring a mix of older homes and recent developments.

Near Pinafore Park (N5P)

The neighborhoods around Pinafore Park provide a family-friendly environment and are in proximity to recreational areas, requiring insurance solutions that consider the blend of residential and parkland use.

Proximity to Cultural Landmarks and Recreational Sites

Near the Elgin County Railway Museum

Residences close to this historical site, reflecting St. Thomas's railway heritage, may require specific insurance considerations due to their proximity to a cultural landmark.

Around Dalewood Conservation Area

Homes near this conservation area need to consider insurance implications of being close to natural spaces, including potential wildlife encounters and the tranquility of a more secluded setting.

Diverse Insurance Needs in St. Thomas

Property Variety

St. Thomas's range of properties, from downtown heritage buildings to suburban homes in Southwick, calls for tailored home insurance solutions.

Historical Significance

Given its railway history and preservation of historical sites, insurance in St. Thomas often requires considerations for the preservation and potential restoration of older structures.

Community Dynamics

As St. Thomas continues to evolve, with new developments and demographic changes, the city's changing landscape introduces new insurance requirements, especially as it grows and modernizes.

In summary, St. Thomas's combination of historical legacy, urban development, and small-town atmosphere necessitates a comprehensive understanding of home insurance needs. These solutions should be customized to the specific characteristics and locations of each property in St. Thomas, Ontario, reflecting its unique identity as the "Railway City" in Southwestern Ontario.

St Thomas, Ontario Home Insurance FAQ

  • What is the average house insurance cost in St. Thomas, Ontario?

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

  • Is Home Insurance Mandatory in St. Thomas, Ontario?

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

  • What does Ontario house insurance cover?

    Standard home insurance policies in St. Thomas 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 St. Thomas is uninhabitable due to a covered loss.

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

    Note: Homeowners insurance policies vary, and certain risks specific to St. Thomas, 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 St. Thomas region.

  • What Do I Do If I Decide to Rent Out My Home in St. Thomas?

    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 St. Thomas?

    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 Ontario Home Insurance or Property Insurance You May Be Searching for In Ontario

Rental Property Insurance

St. Thomas Rental Property Insurance

For landlords in St. Thomas, Ontario, offering rentals to families or individuals, Humberview Insurance provides tailored insurance solutions. We specialize in policies specifically designed for the needs of landlords in St. Thomas, covering a broad spectrum of rental situations. Our expertise in rental property insurance enables us to cater to various types of rental arrangements. These policies can be personalized for both personal and commercial properties, ensuring comprehensive coverage. Protect your family-occupied residences, apartment buildings, or rooming houses in St. Thomas effectively. Reach out to us for a personalized St. Thomas rental property insurance quote to secure your real estate investment.

Estate Home Insurance

Estate Home Insurance in St. Thomas

In the delicate situation where a home in St. Thomas becomes part of an estate following a homeowner's passing, obtaining the right estate home insurance is crucial. It's important regardless of whether the property is family-occupied, rented out, or remains vacant. At Humberview Insurance, our experienced brokers assist estate executors in St. Thomas through the insurance acquisition process, ensuring that the coverage is perfectly suited to the property's specific circumstances. This service is essential in safeguarding the homeowner's legacy and their significant asset during a sensitive period.

Vacant home

Vacant Home Insurance in St. Thomas

Vacant home insurance is essential for properties in St. Thomas that are unoccupied, such as those awaiting sale, undergoing renovations, or between tenancies. Humberview Insurance is knowledgeable about the unique challenges and risks of insuring vacant homes in St. Thomas. These policies often include more restrictive coverages, with potential exclusions like water damage. Our team is prepared to discuss your specific requirements and offer a tailored insurance quote to fully protect your vacant property in St. Thomas.

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