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Home & Property Insurance Discounts

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Ontario Home Insurance Discounts

As an insurance brokerage in Ontario, McDougall Insurance is committed to representing your best interest when coming to an insurance solution for you. At McDougall Insurance, one of the ways we unlock value for our clients is through our extensive and in-depth knowledge of all the discounts the countless insurers across Canada offer. These insurance discounts are offered as a reward for risk mitigating behavior taken by you that saves both you and the insurer money. At McDougall Insurance we will work diligently to find you all the possible property insurance discounts, getting you the insurance coverage you need for the price you expect.

What Exactly is a Home Insurance Discount?

When you mention “discount,” the first thing that typically comes to mind is the opportunity to save some cash. A home insurance discount offers homeowners a chance to reduce their annual home insurance premium, resulting in potential savings. Canadian insurance providers often provide various opportunities for homeowners to lower their insurance rates by meeting specific criteria. Reach out to your home insurance brokers in Ontario to explore if you qualify for any homeowner discounts.


What Are the Most Common Home Insurance Discounts?

For homeowners in Ontario, there are numerous potential insurance discounts up for grabs. Some of the most prevalent homeowner discounts include being mortgage-free, bundling your home and auto insurance, owning a brand-new home, having an unfinished basement, installing a water alarm, being a non-smoker, and many more. Below, you’ll find details about all available home insurance discounts.

Home & Property Insurance Discounts List

  • Claims Free Discount– If you have no previous claims you may be eligible for a discount from your insurer.
  • Multi-policy Discount – By combining your home and auto in Ontario with the same company you are eligible for a discount.
  • Deductible Discount– Choosing a higher deductible could reduce your premiums. Increasing your deductible means you’ll pay more upfront in the event of a claim and so this decision should not be made lightly.
  • Maturity Discount – Based on your age you may be eligible for a discount off your property insurance.
  • Mortgage Free Discount – If you have no mortgage outstanding on your home some companies will give you a discount.
  • Loyalty Discount– If you’ve been with the same company for several years most will offer you a discount.
  • Non Smoking Discount – Non-smokers pose less of a fire risk and so insurers generally reward this with a discount.
  • Brick Construction Discount– Houses constructed of brick are stable and less susceptible to accident and therefore can get you a discount from your insurer.
  • Alarm Discount – Adding an alarm will help reduce the risk of burglary and some companies offer a discount for this.
  • Septic or Sump-pump Discount – Adding a sump pump or septic tank to your home can significantly reduce the risk of water damaging your home and so makes you eligible for a discount.

You should be rewarded for your safe behavior. Let us at McDougall Insurance find you all the home & property insurance discounts that apply to you so your wallet can stay a little bit heavier this year. Contact us and start saving today!

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What Our Customers Are Saying

Ashton Smith

Fast quotes in less than an hour and amazing pricing!

Victoria Mitchell

I have to say the best insurance company I’ve ever dealt with, Preston Perry goes above and beyond to make sure you get the best service & rates! I was recently in a car accident and because of Preston and the amazing policy he was able to get me for insurance it’s giving me the best outcome from the accident with the benefits! I highly recommend this company! They will make sure you never leave without a smile and amazing rates and service!!

Mark Timpany

McDougall is amazing they are the best insurance brokers I’ve ever dealt with I’ve been with them for my last few vehicles and I’ve always gotten an amazing rate and never had to do any work other than just call and give them the VIN I can’t see myself doing it any other way. Especially for young drivers who are having a hard time getting cheap rate I drive a charger and I’m only 22 and I got a completely reasonable rate unlike most insurance companies have been with in the past definitely come check this place out if you’re looking for car insurance!

Adam Shane

I’ve had a great experience with McDougall Insurance in Winchester, Ontario. Will B. has been very helpful – fast and friendly service!

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