High-risk home insurance in Ottawa applies to individuals with specific characteristics that may present greater challenges in finding adequate coverage. Factors that may label you as high-risk include being previously cancelled by an insurer due to non-payment or other reasons, having a high number of claims, residing in rural areas, living in an older or heritage home without electrical or plumbing upgrades, owning an empty home, or having multiple mortgages. Although being designated as high-risk doesn't prevent you from obtaining home insurance, it may result in reduced coverage, higher premiums, or limited payment options. Our team can assist you in securing suitable coverage tailored to your needs and family requirements. Request an Ottawa home insurance quote online to find the ideal protection for your home.