Compare and purchase the best
home insurance rates
in Alberta.
Compare and purchase the best
home insurance
rates in Alberta.
Our Reviews
Alberta home insurance rates vs. other provinces
Province |
Average Rates |
---|---|
Alberta |
$2,304 |
Ontario |
$1,797 |
Nova Scotia |
$2,788 |
New Brunswick |
$2,402 |
Newfoundland & Labrador |
$2,513 |
Prince Edward Island |
$1,145 |
Manitoba |
$1,335 |
British Columbia |
$2,389 |
Yukon |
$1,830 |
Nunavut |
$3,516 |
Saskatchewan |
$1,873 |
Northwest Territories |
$3,367 |
See how our customers save big on home insurance
Customer |
City |
Type |
Average Rate |
Lowest Rate |
Savings |
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Home Insurance in Alberta - What You Need to Know
You will need the following information to ensure that you get an accurate home insurance quote in Alberta:
- Square footage of your home
- Year your home was built
- Details on any upgrades or modifications
- Your exact address
- Your personal home insurance claims history
Ever wonder how home insurance rates are determined in Alberta? If yes, here are three things to know:
- Home insurance history is tied to you, not the home you’re living in or looking to live in. Insurers are interested in your past 10 years of home insurance claims history, if applicable. If you’re interested in moving into a home that had a home insurance claim on it two years ago, that doesn’t matter. They care about the claims history of the homeowner, not the home itself.
- The value of your home matters. In the unfortunate event that your home suffers major damage or is destroyed, the insurance carrier will set a limit on your home’s replacement cost.
- Home insurers track data on the amount of home insurance claims in your area, which can mean city and/or province. If you live in an area that is susceptible to overland flood damage, your insurance company will be aware of this. This is why, all things equal, a home will cost more to insure in one area as opposed to another.
Not all online insurance carriers offer the same discounts as their competitors. Using Surex’s home insurance marketplace, we’re able to get you more discounts, which helps us get you the best home insurance Alberta providers have to offer.
Ask your insurance broker how you can use the following discounts that we have to receive the most affordable home insurance rates:
- Bundle discount
- Good credit discount
- Mortgage-free discount
- Alarm/home security discount
- Loyalty discount
- Renewal discount
- Claims-free discount
- Age discount
- Sewer back-up discount
- New business discount
- Flex discount
- Smoke-free home discount
- Occupational discount
- Household discount
- Multi-lines discount
- Gated community discount
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Home insurance has many factors when calculating the rates. Plus, every home insurance company underwriters risk differently, so that is why getting to compare quotes is important. Here are a few things to keep in mind:
Increase your deductible
This is the amount you pay towards an insurance claim, so by offering to pay a higher percentage of a future claim, your insurance company will decrease the cost of your premium. But, keep in mind you will be paying more out-of-pocket when, and if, you ever file a claim.
Bundle your insurance
Bundling always helps you save, whether it's your phone, tv, or internet! So, if you have a car, or any other insurable item, think about going with the same insurance company, who will most likely reward you with a discount!
Shop around
Always compare home insurance quotes to see what all your options are on similar policies. No two policies are the same, so comparing will let you choose what's right for you.
Get a personalized quote in minutes! We’ll help you compare multiple offers from Canada’s top insurers. Your dedicated advisor is here to help every step of the way.
Surex makes it easy to compare, purchase, and save up to 25% on your insurance needs. We shop the market for you, finding the best rate for the coverage you need.
We’ll match you with a dedicated insurance advisor who can walk you through your options, answer your questions, and help you find the right coverage at the best price.