Cheap Calgary Home Insurance Quotes
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Jump straight to:
- Home insurance in Calgary
- Recent home insurance quotes in Calgary
- How to get your Calgary home insurance quotes on RATESDOTCA
- How much does average home insurance cost in Calgary?
- Which companies offer home insurance quotes in Calgary?
- What types of risks do homeowners face in Calgary?
- Factors that determine your Calgary home insurance rates
- How to get cheap home insurance in Calgary
- Calgary home insurance rates by postal code
- Finding the cheapest home insurance in Calgary
- Frequently asked questions about Calgary home insurance
Home insurance in Calgary
Buying or owning a home in Calgary comes with a big responsibility. And while protection of your property and its contents is not mandatory, many or most mortgage lenders will not help you finance your purchase unless you have home insurance.
Home is likely to be your largest investment, so protecting it is a good idea. Doing so will grant you a peace of mind and some financial benefits.
In the event of a covered peril, you’ll be compensated. Also, an additional benefit that some overlook is that most home insurance policies in Calgary include liability protection. This means that if someone is injured on your property, you will also be protected financially.
Then there are the evidence-supported issues around climate change. Homes in Canada are increasingly impacted by damage from climate change. The Insurance Bureau of Canada reports that in 2021, insured damage for severe weather events reached more than $2 billion, ranking it as the sixth highest in insured losses since 1983.
Here are some of the important details you need to consider when choosing coverage that’s right for you and your home.
Type of home insurance in Calgary
- Property and building. This coverage protects both the structure(s) on your property, as well as the property itself, from a variety of perils. Protected incidents include fire, theft and water damage, among others. Since some policies may require additional coverage for secondary structures, like a garage or guest house, you should consult your insurer, if anything is unclear.
- Contents and personal property. Contents and personal property coverage protects your possessions, such as furniture, clothing and sports equipment, against theft and vandalism. Some items, like fine art and expensive jewelry, may not be protected under a standard policy. However, excluded items can be protected with additional coverage.
- Additional living expenses. If you’re temporarily displaced by an insurable event, this protection covers your temporary housing costs. For example, if damage to your home forces you to spend a week at a hotel, this will cover your expenses for the room and food – up to a certain amount.
Liability coverage
- Personal liability. This coverage provides protection against liability in the event someone is accidentally injured on your property.
- Voluntary medical payments. If you unintentionally injure someone, or someone accidentally injures themselves on your property, this coverage will pay the medical expenses for up to one year from the date of the accident.
- Voluntary property damage. This coverage is for unintentional direct loss or damage you cause to someone’s property. It also covers unintentional loss or damage to someone else’s property by a minor (12 years or under) in your care.
Add-ons to home insurance coverage in Calgary
These are some of the most common home insurance add-ons, also known as riders, that you can add to your home insurance policy:
- Overland water. Although not every carrier offers this add-on, if your insurer does, it covers property damage from overflowing water from nearby rivers, streams, lakes and thawing snow.
- Sewer back-up. Protects your home when a main sewer backs up and causes damage.
- Earthquake. Covers losses or damage caused by an earthquake. This add-on is especially useful if your home is in an area vulnerable to earthquakes.
- Mass evacuation. If an event, like a flood or wildfire, triggers a government-issued evacuation order, this add-on would pay for some of the expenses you incur while being away from your home.
- Identity theft. Covers the cost of replacing important documents, such as your passport.
- Lock replacement. If you need to replace the locks on your house, this add-on provides coverage.
Recent home insurance quotes in Calgary

Recent home Insurance Quote from Calgary, AB
Townhouse 1,287 sq ft
May 01, 2025
Cheapest Quote
$ 124 / month
$ 1,483 / yearAverage Quote
$ 217 / month
$ 2,603 / yearSavings
$ 93 / month
$ 1,116 / year
43 %
Recent home Insurance Quote from Calgary, AB
Detached 2,736 sq ft
May 01, 2025
Cheapest Quote
$ 266 / month
$ 3,195 / yearAverage Quote
$ 459 / month
$ 5,503 / yearSavings
$ 192 / month
$ 2,304 / year
42 %
Recent home Insurance Quote from Calgary, AB
Detached 2,607 sq ft
May 01, 2025
Cheapest Quote
$ 262 / month
$ 3,141 / yearAverage Quote
$ 458 / month
$ 5,493 / yearSavings
$ 196 / month
$ 2,352 / year
43 %
Home insurance quotes are compared from Apollo Insurance, CAA, Economical Insurance, Pembridge, Square One Insurance, and SGI
How to get your Calgary home insurance quotes on RATESDOTCA
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What people say about our quotes
Based on 6,426 reviews
Quick response and great quotes
Quick response and great quotes, the only problem is: I got two different quotes in two days, which is cheaper in the second one.
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Great information when speaking with…
Great information when speaking with John. Very knowledgeable and easy to talk with. Unfortunately I was last minute and resigned w the actual lender, not the business I used for the purchase and last renewal.
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Easy and fast
Easy and fast
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The quote the representative was able…
The quote the representative was able to obtain.
Jonathan McConnell
The agent I spoke to was very helpful…
The agent I spoke to was very helpful in recommending a few brokers in my area who was willing to work with my situation
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Laurie is a true agent but John is not
Laurie is a true agent but John is not, the person with extension 136 is not a good listener to client. Extension 133 Laurie is good on her duties!
Thu Tram
How RATESDOTCA finds the best insurance in Calgary
RATESDOTCA offers a wide selection of quotes by working with Calgary’s top home insurance providers. We quickly collect your information to generate the best offers from each of our partners, so you can compare the entire market in just a few minutes.
Our service is fast, easy and free. And best of all, it can help you save big time on your next home insurance policy.
How much does average home insurance cost in Calgary?
Calgary is the most expensive city in Alberta for home insurance. Yearly premiums are $2,484. That compares with the provincial average of $2,339 per year.
According to data from the RATESDOTCA Insuramap, home insurance in Calgary is more expensive than the provincial average, but not by much.
The figures shown above include homeowner’s insurance for houses – detached, semi-detached, townhouses and row houses – only. Condo insurance, which is typically less expensive than house insurance, has been excluded.
Annual | Monthly | |
---|---|---|
Calgary's average home insurance premium | $2,484 | $207 |
Alberta's average home insurance premium | $2,339 | $195 |

Save on Calgary insurance
Your home is a big investment and you should protect it with the right coverage. No matter what type of house you live in, RATESDOTCA can help find Calgary home insurance to fit your budget.
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Which companies offer home insurance quotes in Calgary?
Company name | Company type | Phone number | Address |
---|---|---|---|
Alpine Insurance & Financial Inc | Insurance broker | 403-270-8822 | 123-8820 Blackfoot Trail SE, Calgary, AB T2J 3J1 |
Beneficial Insurance Solutions | Insurance broker | 403-250-3121 | 6210-333 96 Ave NE, Calgary, AB T3K 0S3 |
Quotes comparison | 1-855-821-7312 | 225 King St W, Suite 1000, Toronto, ON, M5V 3M2 | |
Quotes comparison | 1-855-487-6911 | 401-1910 Yonge St, Toronto, ON M4S 3B2 | |
Minrva Group Insurance Brokers | Insurance agency | 403-910-0717 | 293-111 5 Ave SW, Calgary, AB T2P 3Y6 |
Quotes comparison | 1-844-726-0907 | 225 King St W, Suite 1000, Toronto, ON, M5V 3M2 | |
Rogers Insurance | Insurance agency | 403-296-2400 | 800-1331 Macleod Trail SE, Calgary, AB T2G 0K3 |
Insurance agency | 1-866-456-6620 | 22-300 Lincoln St, Welland, ON L3B 4N4 | |
Sharp Insurance - Calgary | Insurance agency | 403-590-2008 | 300-1331 Macleod Trail SE, Calgary, AB T2G 0K3 |
Westland Insurance | Insurance agency | 403-508-1111 | 300-1111 Olympic Way SE, Calgary, AB T2G 0E6 |
What types of risks do homeowners face in Calgary?
Home insurance throughout Canada is relatively similar, but many cities have some unique factors that contribute to the cost of a policy.
In Calgary, these factors include:
- Freezing temperatures. Cold winters, with temperatures reaching -30°C, may result in pipes bursting or freezing.
- Snow and water damage. Heavy snowfall in Calgary can test the constitution of homes and external structures, like fences and garages, during the winter. Then when the snow melts in springtime, the resulting thaw can be equally threatening, especially to homes with basements.
- Sewage pipe back-up. Your home's drain pipes, or main sewer line can become clogged, which can cause water damage to your home.
- Window condensation. One of the main problems that can arise from fluctuating temperatures is condensation on windows because of humidity. If left unchecked, excess moisture can cause wood rot and plaster damage both around your windows and throughout your home. However, you can easily remedy the issue before it happens with proper ventilation, proper insulation and better in-home heating.
- Attic rain. Without proper roof ventilation, your attic may accumulate warm, moist air from places like the kitchen or the bathroom. The air ends up freezing when it’s cold and melting when it’s warm. The resulting water then trickles down into the rest of your home, causing stains, structural damage, leakage around electrical fixtures and black mold.
Typical home insurance in Calgary will cover your personal belongings (appliances, furniture and some electronics), and protect you from personal liability if you’re sued by someone injured on your property.
Certain perils are also covered by standard insurance policies, including:
- Fire
- Lightning
- Water damage
- Wind
- Aircraft or vehicle impact
- Explosion
- Smoke (caused by cooking devices or heaters, but not fireplaces)
- Theft and vandalism (such as broken windows)
- Falling objects (except if caused by an earthquake, landslide or snowslide)
There are certain perils that standard Calgary home insurance policies won’t cover. In these cases, add-on protection may be available for an extra charge. Whether getting additional coverage is worthwhile depends on how relevant any of the uncovered perils are for your home. Examples of non-standard coverage include:
- Renting all or part of your property to long- or short-term guests.
- Injuries or damage caused either intentionally or by illegal activity.
- Damage caused because basic measures of protection and maintenance have not been taken.
- Liability for clients or customers visiting a home-based business.
- Natural disasters, such as earthquakes and landslides.
- Certain water damage, such as sewer back-up and flooding from overland water.
- Certain weather issues in winter, such as damage to the outside of your home caused by freezing and water damage (due to frozen or burst pipes).
- Damage from insects and rodents.
Factors that determine your Calgary home insurance rates
Home insurance rates in Calgary are affected by many things, which often depend on individual circumstances of the homeowner.
Here are some of them:
Insurance and claim history
Alberta home insurance rates are heavily influenced by your insurance and claims history. How long have you been consistently insured? Have you always paid your insurance on time? Have you had any issues with insurers? Insurance companies ask all these questions. In addition, the number of claims you’ve made has a significant impact on your home insurance premiums. The fewer claims you’ve had, the cheaper your rates will be.
Your credit rating
Insurance companies in Calgary will always assess the riskiness of their clients. The better your credit score, the less of a risk you are. Conversely, a low score indicates higher risk. Rates for home insurance in Calgary will reflect this.
Your address
Where you live can determine your home insurance rates in Calgary. Neighbourhoods with higher crime rates, frequency of natural disasters or proximity to fire stations can mean higher rates in many cases. Better neighbourhoods or more expensive ones might mean better rates, if crime rates are low, for example.
Your home’s age
Older homes often have design and construction issues due to their age or the types of materials used when building them. Similarly, older roofs can lead to damage that an insurance company would consider risky. Newer homes are likelier to have more efficient materials and systems that require less maintenance, thus reducing insurance rates.
How to get cheap home insurance in Calgary
Because Calgary home insurance is a bit pricier than what’s typical in Alberta, it’s important to look for savings in a variety of places.
Though much of what determines the cost of a policy is beyond your control, there are some things you can do as a homeowner in Calgary to get the best possible rate. Here’s what they are:
- Compare Calgary home insurance quotes. Use quote comparison sites like RATESDOTCA to shop for the best home insurance quotes in just a few seconds.
- Bundle multiple home insurance policies. Get your home insurance from the same insurance provider that covers your vehicle. Bundling multiple policies usually earns you a discount in the neighbourhood of 15%.
- Go with a higher deductible. The higher the deductible, the lower the premium. But be forewarned – when it comes time to make a claim, a higher deductible means you’ll pay more out of pocket.
- Leverage discounts. See if you’re a member of a group that earns a discount from a specific provider. Lots of Calgary house insurance companies have arrangements with unions and college or university alumni.
- Reduce the likelihood of robbery. Some insurance providers in Calgary give discounts for certain types of security installations, like alarm systems.
- Look for claims forgiveness. The more claims you’ve made in the past, the higher your premium will be. But some insurance companies are willing to forgive one past claim, which can earn you substantial savings.
- Pay for premiums annually. Manually processing insurance payments each month is pricier for insurance companies than doing so once a year. That’s why one-time annual payments are usually discounted.
- Do a credit check. Allow your insurance company to do a credit check. If you have a good credit score, you may receive a discount on your home insurance.
Calgary home insurance rates by postal code
CALGARY AVERAGE RATE IN 2022 | $2,484 |
---|---|
T2X | $1,999 |
T3N | $2,006 |
T2L | $2,488 |
T2N | $2,490 |
T1Y | $2,495 |
T2A | $2,495 |
T2B | $2,495 |
T2C | $2,495 |
T2E | $2,495 |
T2G | $2,495 |
T2H | $2,495 |
T2J | $2,495 |
T2K | $2,495 |
T2M | $2,495 |
T2P | $2,495 |
T2R | $2,495 |
T2S | $2,495 |
T2T | $2,495 |
T2V | $2,495 |
T2W | $2,495 |
T2Y | $2,495 |
T2Z | $2,495 |
T3B | $2,495 |
T3C | $2,495 |
T3E | $2,495 |
T3G | $2,495 |
T3H | $2,495 |
T3J | $2,495 |
T3K | $2,495 |
T3L | $2,495 |
T3M | $2,495 |
T3P | $2,495 |
T3R | $2,495 |
T3S | $2,495 |
T3Z | $2,495 |
T3A | $3,085 |
Average insurance premium numbers are according to data from RATESDOTCA Insuramap (gathered in 2022).
Finding the cheapest home insurance in Calgary
We’ve grouped the rates the same way insurance companies group their customers – by the first segment of the postal code (also known as the Forward Sortation Area, or FSA), which in Alberta designates a specific district.
- Parts of Calgary that have the most expensive home insurance. The most expensive neighbourhoods for home insurance in Calgary have postal codes that start with T3A and average annual rates of $3,085. This area is close to the city core, and therefore, has greater riskiness due to its proximity to city traffic, congestion and high-crime areas. Some of the homes may also be older, causing insurance rates to remain high.
- Parts of Calgary that have the cheapest home insurance. The lowest home insurance in Calgary is in the area with postal codes that start with T2X. Here, the average annual rates are $1,999. This is a more rural suburb that has fewer people living in it and fewer risks than other parts of the city.
Frequently asked questions about Calgary home insurance.
How much does home insurance cost in Calgary?
The average lowest home insurance quote RATESDOTCA provides from Calgary residents is $1,470 per year. This is slightly higher than the provincial average of $1,425.
These averages, however, are not representative of what a single home in Calgary or Alberta may cost to insure. The cost of a house insurance policy is determined primarily by the home itself, as well as the homeowner. For example, the insurable value of the home and the claims history of the homeowner matter far more when it comes to determining cost than the mere fact that the home is located within the city limits of Calgary.
To make sure you’re getting the best price on a Calgary home insurance policy, get quotes and shop around. Each company uses a proprietary formula to calculate risk, so that which was cheapest for your friend may not be cheapest for you.
Why does Calgary home insurance cost more than the provincial average?
The average home insurance in Calgary is 2.9% higher than the rest of the province.
One reason for the higher insurance average could be that Calgary is the largest city in Alberta. The median cost of houses in Calgary sits just above Edmonton, the second largest city in the province. While the market value of homes doesn’t directly impact home insurance premiums, the replacement value does.
Which company offers the cheapest Calgary home insurance?
There’s no one company that offers the best home insurance rate; each rate is dependent on your needs and the particulars of your property, and different insurers weigh factors differently. This means that five Calgary residents could get a home insurance quote from every insurance provider in the city and each person’s best quote could come from a different company.
The best way to find the cheapest home insurance is to comparison shop with Calgary home insurance providers.
What risks do homeowners face in Calgary?
Home insurance is largely the same for homeowners across Canada, but many cities have some unique factors that contribute to increasing the cost of a policy. In Calgary, these factors include:
Freezing temperatures: Cold winters, with temperatures reaching -30C, means the potential for burst and frozen pipes.
Snow and water damage: Heavy snowfall in Calgary can test the constitution of homes and external structures, like fences and garages, during the winter. Then when the snow melts in springtime, the resulting thaw can be equally threatening to homes, especially those with a basement.
Sewage pipe backup: Your homes drain pipes or main sewer line can become clogged, which can cause water damage to your home.
What is covered by most Calgary home insurance policies?
Typical home insurance in Calgary will cover your personal belongings (appliances, furniture and some electronics), and protect you from personal liability if you’re sued by someone injured on your property.
Certain perils are also covered by standard insurance policies, including:
- Fire
- Lightning
- Water damage
- Wind
- Aircraft or vehicle impact
- Explosion
- Smoke (caused by cooking devices or heaters, but not fireplaces)
- Theft and vandalism (such as broken windows)
- Falling objects (except if caused by earthquake, land slide or snow slide)
What is not covered by most Calgary home insurance policies?
There are certain perils that standard Calgary home insurance policies won’t cover. In these cases, add-on protection may be available for additional charge. Whether getting additional coverage is worthwhile depends on how relevant any of the uncovered perils are for your home in particular. Examples of non-standard coverage include:
- Renting all or part of your property to long- or short-term guests.
- Injuries or damage caused either intentionally or by illegal activity.
- Damage caused because basic measures of protection and maintenance have not been taken.
- Liability for clients or customers visiting a home-based business.
- Natural disasters, such as earthquakes and landslides.
- Certain water damage, such as sewer backup and flooding from overland water.
- Certain weather issues in winter, such as damage to the outside of your home caused by freezing and water damage caused by frozen or burst pipes.
- Damage from insects and rodents.
How do I save on Calgary home insurance?
Because Calgary home insurance is a bit pricier than what’s typical in Alberta, it’s important to take savings wherever you can find them. Though much of what determines the cost of a policy is beyond your control, there are some things you can do as a homeowner to get the best possible rate. This includes:
- Getting your home insurance from the same insurance provider that covers your vehicle. Bundling multiple policies usually earns you a discount in the neighbourhood of 15%.
- Go with a higher deductible. The higher the deductible, the lower the premium. But be forewarned – when it comes time to make a claim, a higher deductible means you’ll pay more out of pocket.
- See if you’re a member of a group that earns a discount from a specific provider. Lots of Calgary house insurance companies have arrangements with unions and college or university alumni.
- Reduce the likelihood of robbery. Some insurance providers in Calgary give discounts for certain types of security installations, like alarm systems.
- Look for claims forgiveness if you have a past claim. Generally speaking, the more claims you’ve made in the past, the higher your premium will be. But some insurance companies overlook one past claim, which can earn you substantial savings.
*Shoppers in Alberta who obtained a quote on RATESDOTCA from January to December 2023 saved an average amount of $600. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by RATESDOTCA. Excludes tenant and condo insurance.
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