Compare cheap  hail and wind damage quotes for free.

Some parts of Canada are more prone to hail, windstorms and tornadoes. For example, if you live in Southern Ontario, Southern Quebec, Atlantic Canada or the Prairies, it makes sense that you prepare for the possibility of such a storm hitting your community. 

Home insurance covers hail and wind damage in almost all situations. For example, if hail hits, your home insurance will likely protect you. When it comes to home insurance for hail in Canada, an analysis by the Institute for Catastrophic Loss Reduction reflects that Alberta is the province most susceptible to hailstorms. There, hailstorms damage houses as often as they damage vehicles.

Similarly, if a massive windstorm sweeps through your community and leaves a trail of destruction in its wake – think toppled tree branches, roofs peeled off like a tin can — that’s the kind of damage that would also be covered by most comprehensive home insurance.

Regardless of where you live, don’t be lulled into a state of complacency. We recommend that you read the fine print of your policy so you don’t encounter any surprises when it comes time to make a claim. Take the time to confirm how extensive your home insurance coverage for hail and wind damage is.

Since the cost of insuring against a range of perils is folded into most comprehensive homeowners policies, it may be tricky to determine precisely how much hail and wind insurance costs. Many providers consider coverage for these perils to be part of the overall package.

Many factors go into determining its cost. For example:

• The size of the home matters
• Where it’s located — in this case, if you live in an area that is prone to windstorms, the home insurance provider will take note of that
• The contents of the home
• Its state of repair, such as the age of the roof, will also be factors that the insurer takes into consideration

For homeowners based in an area where windstorms are common, it’s possible that an insurance provider will exclude coverage from your home insurance for incidents like wind damage to your roof or fence.

Some home insurance providers may have a separate wind or hail deductible, which is as it sounds: a deductible that applies directly to wind or hail damage. It may be higher and appear as a percentage of the value of your property.

That will depend on what coverage you need and what kind of premiums you are looking to pay. We will connect you with several providers so that you can assess the options.

Most homeowners insurance is likely to cover roof damage from wind but it does make sense to clarify coverage details with your provider.

This is especially easy to do when you’re shopping for a new policy. Use our free, online tool to get quotes from dozens of the best insurance providers in the country. Next, you’ll be able to connect with a broker who can review the policy details and answer any questions you have about hail and wind protection, or any other detail of your coverage.

Shopping around for the best rate is the single most effective way to reduce your insurance costs.

You may also be able to find savings by bundling your home insurance with your car insurance.

Other things you can do to protect your property as much as possible from wind or hail damage and reduce a home insurance claim, have to do with prevention.

They include:

• Removing weak branches or trees from your property
• Putting your vehicle in a garage if there is a storm warning
• Installing equipment that protects your electronics against a surge if lightning hits nearby power lines
• Installing protectors on your windows to reduce the chances of them shattering from hail or other flying debris

The cost of your home insurance for hail damage or homeowners insurance for wind damage will also depend on the deductible that you agree to. Deductibles are one of the main ways that you can reduce your monthly premiums on home insurance for a windstorm, but it means that you will have to pay more if the gusts turn wicked and leave a trail of destruction behind them.

Finally, it’s ideal if you can keep your home in a good state of repair. Even though home insurance covers roof wind damage, who wants to go through the pain of having to replace a damaged roof. If there is something else you could have done to prevent that, you’ll be kicking yourself for that missed opportunity later.

The main factors that will contribute to home insurance premiums are the location of your home and its condition.

In some provinces, a good credit score can lead to a reduction in your premiums. Though, the reverse is not true: your premium cannot be increased due to a bad credit score.

Use our online quote tool to get quotes from dozens of the best insurance providers in Canada. In addition to helping you secure a rate, a broker is immediately available over the phone to answer any questions.

Our quoter is fast, easy to use and is free.