Compare the best Calgary home insurance quotes & save today

Calgary home insurance will run the average homeowner about $85 per month. If you live in a condo, you'll be looking at about $35 per month, but insurance rates are rising more than ever, so be sure to compare condo insurance quotes and if you find a good provider with a low rate, hold on to that policy. 

Finally, a rented space will be about $15 per month, be it a basement or a condo, rates are relatively inexpensive with tenant insurance. 

AMA, TD, or RBC may be the biggest insurance companies in Calgary, but it doesn't mean they're the best. Square One insurance is a mid-tier provider with great rates and cool coverage features, and Intact (Belair Direct) is one of the biggest insurance companies in the world.  What's important to know is which home insurance provider will give you the best rate based on your unique profile. Rather than calling all the companies to answer the same questions over and again, you can compare home insurance quotes with us. Furthermore, we'll connect you with a preferred insurance broker in Calgary to help answer any questions and finalize your policy. We give you back your time with this process and save you money. It's a win-win. 

Finding the perfect home insurance broker is like doing multiple interviews with potential candidates. It takes time to find the right now. While you can ask family and friends for referrals, you can also compare quotes with us, we'll connect you with one of our licensed brokers who will be happy to help walk you through the finer details of your policy. We've personally vetted each of these insurance brokers, so you know you're in good hands. 

We help you compare landlord insurance quotes, which is not unlike home insurance, the bonus is that it also covers any loss of income from your rental. 

A home insurance peril is an unknown or accidental event. For instance, if your home is struck and damaged by lightning, creating a hole in your roof, there is no way you could have prevented it. But a home insurance policy is not a maintenance plan so if your roof has slowly degraded over time and now needs replacing, it is not a peril since its eventual replacement is expected.

Begin by making a complete list of damaged or stolen items. Call your insurance provider as soon as you can and ask about what you’re entitled to, especially if you can’t currently live in your home as you may be entitled to hotel and food expenses. A claims adjuster will be in contact with you to fill out a proof of loss form. Ask about using your own contractor or if you’re required to use one they supply to repair the property.

A deductible is the portion of the claim you’re responsible for paying before the insurance company will pay the rest. The higher your deductible, the cheaper your insurance premiums. 

Unlike Calgary auto insurance, where age and gender can play a role in determining your rate, home insurance only cares about the home itself. You can get married, share the home with your new spouse, and even add children if you want to and it won’t affect the rate you pay.

In all of the different coverages, there are some things that are excluded from policies. They are mostly due to wear and tear that gets worse due to negligence. For instance, mould is seen as a lack of maintenance from a homeowner. If a home insurance claim could have been avoided with regular maintenance, you can expect it to not be covered.

Other common exclusions include infestations from termites or rats, home businesses, dangerous dogs, and sewer backups.

Water is a tricky peril and for some instances, it is included in your coverage, while for other scenarios it is not. Be sure to check with your insurer about what is and isn’t covered. You may need to add flood coverage to your policy to customize your policy to meet your needs.

Depending on when you cancel, there should be no charges to switch at the end of your contract. If you’re switching mid-term, you may incur some cancellation and administrative fees. If you’ve paid your premium annually, you may be entitled to a refund.

Yes, is the simple answer. While Airbnb does provide host protection, it may not be enough. You should contact your insurance provider before any changes to your policy and that includes renting it out. If they’re not ok with you renting your property, you can move your policy to another provider who will. Read more about Airbnb and home insurance.