Boss Ladies Canada

There was no evidence that any month or season brought lower home insurance rates, so the best time to compare depended on personal circumstances.
You did not need to wait for renewal; shopping earlier could keep control on your timeline, though cancellation terms and refunds depended on policy structure.
A move, renovation, business use, new vehicle, or newly licensed driver could all signal it was time to review coverage and compare insurers.
Switching could work against you mid-term, after a claim, during severe weather disruptions, or at the last minute before policy expiry for many households.
Because insurers' claims trends shifted yearly, shopping around could uncover savings, but compare equivalent protection first since the cheapest policy might not be best.

Home Insurance Timing Follows Life Changes

Ontario drivers paid $2.653K avg. yearly, while Petawawa, Pembroke, and Beachburg tied at $1.824K, putting annual premiums ~$830 below the provincial norm.
Nine of Ontario's 10 cheapest markets sit in Eastern Ontario, where avg. annual premiums cluster between $1.824K and $1.869K in smaller communities.
Lower traffic density, fewer collisions and claims, reduced fraud and theft, more rural driving, and historically lower local loss claims helped keep premiums down.
Location strongly shaped premiums; busier Ontario metros like the GTA reached $3K+ yearly, yet drivers in any market still had options to cut costs.
Shopping quotes at renewal, bundling policies, raising deductibles carefully, driving safely, reviewing coverage, and asking about discounts were among the clearest savings strategies.