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Home Insurance in Scarborough, Ontario

Start your 3-minute Scarborough home insurance quote today and receive personalized advice from our licensed insurance brokers.
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Protect Your Scarborough Home with the Right Insurance Coverage

Scarborough can be a great choice for families who like outdoor activities. The city has a reputation for being greener than any other part of Toronto with many parks and ravines. If you’ve put down roots in Scarborough, you need the right home insurance.

Our insurance experts at Western Financial Group will make sure that you’re confident with your home insurance and that it’s at the right value for you.

What you need to know about buying home insurance:

  • When you bundle your home and car insurance, you can get a discount.
  • Water detection alarms, intrusion and fire alarms can get you discounts. Ask for details.
  • Ask for discounts. Are you claims free or mortgage free? Are you a mature homeowner? See if you qualify for these discounts.

Looking for Home Insurance in Scarborough?

Scarborough has a number of residential neighborhoods for you and your family. Birch Cliff, Malvern, Bendale, L’Amoreaux, Scarborough Village, Agincourt, Oakridge, West Hill, and Guildwood Village are neighbourhoods from which you can choose.

Your children will be able to get instruction in English or French, or in French immersion programs. For post-secondary education, the University of Toronto has a Scarborough campus and there’s also Centennial College.

You can take your family to the Toronto Zoo, the largest zoo in Canada. You can also visit the Scarborough Bluffs, huge cliffs overlooking Lake Ontario, lined with parks, beaches, and hiking trails.

For shopping, there’s the Scarborough Town Centre, which has more than 200 stores and services, 30 dining options and a multi-screen cinema.

Did you know that Scarborough, now a district of Toronto, was settled by Europeans in the 1790s?

We know how important your home is to you. Contact us to see how you can save on your home insurance in Scarborough.

Life insurance ensures that your family will be provided for in the event something happens to you.

Setting the Standard in Insurance Broker Service

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What do I need to know about home insurance in Scarborough, Ontario?

Home insurance is not mandatory in Ontario, but if you have a mortgage your lender will likely require you to have an insurance policy.

Home insurance helps you protect against:

  • Theft
  • Fire
  • Third- party “slip and fall” accidents
  • Vandalism

Without home insurance, you’ll be responsible for paying out of pocket for damages to your home and detached structures like your shed or garage.

Home insurance also covers your personal belongings and helps protect you should someone get injured at your Scarborough home.

You’ll be protected and have peace of mind with home insurance in Scarborough.

5 Reasons why you need tenant insurance in Ottawa

Western Financial Group will find you home insurance that’s right for you at the right value for your home in Scarborough.

Want to save more? Talk to us about bundling your home and car insurance together. Contact us to see how you can save.

Best Home Insurance Across Ontario

Whether you're looking for home insurance in Toronto, Ottawa, Mississauga, Scarborough, Windsor, London, Hamilton, Kitchener, Markham, Vaughan, or another Ontario community, Western Financial Group makes it easy to compare home insurance quotes from multiple insurance providers. Explore city-specific home insurance information, compare coverage options, and find the right policy to protect your home, condo, or rental property anywhere in Ontario.

 
 

Toronto Home Insurance | Ottawa Home Insurance | Scarborough Home Insurance | Windsor Home Insurance | London Home Insurance | Thunder Bay Home Insurance | Gatineau Home Insurance | Sudbury Home Insurance | Timmins Home Insurance | Kingston Home Insurance | Markham Home Insurance | Sault Ste. Marie Home Insurance | Cornwall Home Insurance | Guelph Home Insurance | Vaughan Home Insurance | Cambridge Home Insurance | Burlington Home Insurance | Whitby Home Insurance | Waterloo Home Insurance | Barrie Home Insurance | Woodstock Home Insurance | Brantford Home Insurance | Belleville Home Insurance | Welland Home Insurance | Peterborough Home Insurance | Kenora Home Insurance | North Bay Home Insurance | Kawartha Lakes Home Insurance | Lindsay Home Insurance | Sarnia Home Insurance | Port Carling Home Insurance | Kitchener Home Insurance | Hamilton Home Insurance | Newmarket Home Insurance | Orangeville Home Insurance | Milton Home Insurance | Midland Home Insurance | Orillia Home Insurance | Bracebridge Home Insurance | Huntsville Home Insurance | Mississauga Home Insurance

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Western Financial Group is a proud member of the Insurance Brokers Association of Ontario. 

Western Financial Group also serves these other Ontario locations: 

FAQ

Frequently Asked Questions

What is the Average Home Insurance Cost in Scarborough? +

Homeowners are often curious about the average home insurance cost Scarborough residents pay. While premiums typically range between $900 and $1,500 annually, there is no one-size-fits-all number. Your specific rate depends on the age of your home, its replacement value, your personal claims history, and your exact postal code.

Why should I compare home insurance quotes in Scarborough? +

Every insurer evaluates risk differently, which means premiums and coverage can vary even for similar homes. At Western Financial Group, our licensed insurance brokers compare quotes from multiple trusted Canadian insurance providers to help you find coverage that fits your home, lifestyle, and budget.

What types of home insurance are available in Scarborough? +

Scarborough residents may need different types of insurance depending on their living situation. Common options include:

  • Homeowner insurance: For people who own and live in their home.

  • Condo insurance: For condo unit owners who need protection for personal belongings, unit improvements, liability, and deductible assessments.

  • Tenant insurance: For renters who want coverage for belongings, liability, and additional living expenses.

  • Landlord insurance: For property owners renting out a house, condo, basement apartment, or investment property.

  • Seasonal or secondary property insurance: For homes not occupied year-round.

The right option depends on ownership, occupancy, property type, and how the home is used.

How are home insurance quotes Scarborough residents receive calculated? +

Home insurance quotes Scarborough homeowners receive are based on several risk and property factors. Insurers may look at:

  • Property type and size

  • Age of the home

  • Construction materials

  • Roof age and condition

  • Electrical, plumbing, and heating systems

  • Claims history

  • Coverage limits

  • Deductible amount

  • Security features

  • Proximity to fire hydrants or fire stations

  • Whether the home has a basement

  • Optional endorsements

  • Occupancy and use of the property

Two similar homes may receive different quotes because insurers weigh risks differently. That is why comparing options can be useful.

Can I get cheap home insurance in Scarborough without reducing important coverage? +

Yes. You can often find cheap home insurance in Scarborough without sacrificing the protection your home needs. The key is choosing the right coverage at a competitive price—not simply the lowest premium.

At Western Financial Group, our licensed insurance brokers compare quotes from multiple trusted Canadian insurance providers to help you find affordable home insurance that fits your home, lifestyle, and budget.

You may be able to lower your premium by:

  • Comparing home insurance quotes from multiple insurers
  • Bundling your home and auto insurance
  • Choosing a higher deductible that fits your budget
  • Installing monitored security systems or water leak detection devices
  • Updating older plumbing, electrical, or heating systems
  • Maintaining a claims-free history
  • Reviewing your policy annually to ensure it matches your current needs
  • Removing optional coverages you no longer require
  • Asking about available discounts, including mortgage-free, mature homeowner, and loyalty discounts

At Western Financial Group, we help you compare coverage options and available discounts so you can find cheap home insurance in Scarborough without compromising on the protection that matters most.

What information do I need to get home insurance quotes Scarborough providers can price accurately? +

To receive accurate home insurance quotes Scarborough insurers or brokers can assess properly, you may need to provide details such as:

  • Property address

  • Type of home

  • Year built

  • Square footage

  • Number of storeys

  • Roof type and age

  • Heating system type and age

  • Electrical system details

  • Plumbing type and updates

  • Basement details

  • Renovation history

  • Security or fire protection features

  • Mortgage lender information, if applicable

  • Current insurance details

  • Claims history

  • Desired deductible and coverage options

The more accurate your information, the more reliable your quote will be.

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