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House insurance in Calgary.
While property insurance isn’t mandatory in Canada, it’s wise to protect your home in the event of loss or damage — particularly if you can’t cover the cost of replacing it.
The dramatic landscape that makes Calgary a beautiful place to live can also pose potential risks.
Freezing temperatures in the winter, flooding in the spring and, increasingly, forest fires in the summer are some of the perils homeowners may navigate each year.
Connect with one of our licenced brokers to customize insurance for your Calgary home so that you’re protected, but only paying for the coverage you need and nothing more.
How does it work?
Types of insurance for homeowners in Calgary.
There are three types of insurance that Calgary homeowners must choose from: comprehensive, basic or no-frills.
So that your home is protected against some of the extreme conditions of Calgary’s climate, consider additional coverages for the following perils:
Basement flooding – When water comes up from under the home, entering through the foundation and any openings within it.
Fire – Wildfires are becoming more common in Alberta.
Frozen pipes – Frozen pipes are a genuine risk during an Alberta winter when temperatures can dip below 50C.
Overland flooding – Water that overflows from a creek, river or lake near and damages your property.
Sewage backup – When you have a sewage back-up at your house, due to overland flooding.
One of our licenced brokers will work with you to customize an insurance policy so you’re only paying for coverages you need, nothing more.
Why work with us?
We survey home insurance rates in Calgary from companies across Canada to be able to offer you the best coverage at the lowest rate.
Our brokers have expert knowledge of the industry and its products.
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Frequently Asked Questions about property insurance in Calgary.
Calgary residents can take a home insurance policy from any company that serves the city.
Some of those companies include:
If coverage through one of these companies doesn’t work for your home and circumstance, there are other options as well.
Work with one of our licenced brokers to customize a policy that’s best for you and your property.
The quotes for house insurance in Calgary that you receive from our free, online tool will gauge what rate you’re eligible for.
Next, speak with one of our licenced brokers to find out ways to reduce your rate further: 1-855-754-0350.
Their tips reflect how you can mitigate risks to your home. For example:
Bundle your insurance so all your policies are held with a single company.
Limit your claims. If you have multiple claims, insurance companies believe you’re more likely to make one again.
Maintain a good credit score.
Outfit your home with a sump pump, a smoke detector, CO2 monitor and sprinkler system.
Pay your premiums and do so in full and on time.
By connecting with a broker, you’ll be able to customize a policy for home insurance in Calgary that’s best for you.
Home insurance policies don’t typically cover against the impact of neglect. To avoid such damage, keep your home and property well-maintained.
If you live in a flood-prone area, such as near a waterway, closely review your policy with a licenced broker to make sure your home is adequately covered.
Be aware that insurance companies often offer different coverages for different types of flooding. For example, they may consider overland flooding as distinct from basement flooding; a freshwater flood as distinct from a saltwater flood.
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