There are some specific risks to be aware of when it comes to house insurance in Barrie:
Ice or hail storms. This sort of event can damage exterior features of your home, and in extreme cases cause roof damage and subsequent flooding. These weather events happen relatively frequently in Barrie; so, while it is likely to be covered, it will likely affect your premiums.
Wind damage. A quiet street with a nice tree canopy can be a wonderful place to live. However, severe windstorms can cause branches to break and land on properties in your neighbourhood, which can also impact your premiums.
Heavy snowfall. Residential roofs are only designed to carry so much weight. In the event of a severe blizzard, roofs can experience moisture damage, or even collapse under the weight of heavy snow. Southern Ontario (and Barrie, specifically) tends to get a lot of snowfall in winter, so this also could impact your home insurance premiums in Barrie.