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Written By Joel Kranc

Contributing writer


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 St. Albert, AB
Detached 1,133 sq ft
July 19, 2024
Cheapest Quote
$ 79 / month
$945 / year
Average Quote
$ 161 / month
$1,929 / year
$ 82 / month
$984 / year
51.00 %
Recent Home Insurance Quote from Edmonton, AB
Detached 767 sq ft
July 19, 2024
Cheapest Quote
$ 103 / month
$1,235 / year
Average Quote
$ 147 / month
$1,767 / year
$ 44 / month
$528 / year
30.00 %
Recent Home Insurance Quote from Calgary, AB
Detached 1,033 sq ft
July 19, 2024
Cheapest Quote
$ 132 / month
$1,589 / year
Average Quote
$ 191 / month
$2,296 / year
$ 59 / month
$708 / year
31.00 %
Home insurance quotes are compared from Apollo Insurance, CAA, Economical Insurance, Pembridge, Square One Insurance, and SGI

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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 does Calgary home insurance compare to the rest of Alberta?
Annual Monthly
Calgary's average home insurance premium $2,484 $207
Alberta's average home insurance premium $2,339 $195

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.

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.

Let us do the work for you!

Which companies offer home insurance quotes in Calgary?

Company name Company type Phone number Address

Alpine Insurance & Financial Inc

Insurance broker


123-8820 Blackfoot Trail SE, Calgary, AB T2J 3J1

Beneficial Insurance Solutions

Insurance broker


6210-333 96 Ave NE, Calgary, AB T3K 0S3

Insurance Hotline

Quotes comparison


225 King St W, Suite 1000, Toronto, ON, M5V 3M2


Quotes comparison


401-1910 Yonge St, Toronto, ON M4S 3B2

Minrva Group Insurance Brokers

Insurance agency


293-111 5 Ave SW, Calgary, AB T2P 3Y6


Quotes comparison


225 King St W, Suite 1000, Toronto, ON, M5V 3M2

Rogers Insurance

Insurance agency


800-1331 Macleod Trail SE, Calgary, AB T2G 0K3

Scoop Insurance

Insurance agency


22-300 Lincoln St, Welland, ON L3B 4N4

Sharp Insurance - Calgary

Insurance agency


300-1331 Macleod Trail SE, Calgary, AB T2G 0K3

Westland Insurance

Insurance agency


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


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

Got more questions about Calgary home insurance? We got you covered.

Why is home insurance in Calgary so expensive?

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.

Do high Calgary real estate prices affect the cost of home insurance?

You cannot rely on just one thing like real estate prices when considering the cost of home insurance in Calgary. Other issues like replacement costs, home’s age, proximity to a fire station, neighbourhood and security systems, for example, will also affect the cost of home insurance in your area.

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 do comparisons using sites like RATESDOTCA.

How do I save on Calgary home insurance?

There are some things you can do as a homeowner to get the best possible rate:

  • Bundle multiple policies. This usually earns you a discount in the neighbourhood of 15%.
  • Go with a higher deductible. The higher the deductible, the lower the premium.
  • 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 by installing a security system.
  • Look for claims forgiveness if you have a past claim. The more claims you’ve made in the past, the higher your premium will be.

*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.

Joel Kranc ,

Joel Kranc is a freelance writer and content provider who has worked with RATESDOTCA since 2019. He holds an MA in political science from the University of Toronto and a film certificate from New York University.

He has been published in and worked for such companies as CNN, Rogers Media, Institutional Investor Magazine, The Globe and Mail, Infrastructure Investor, BenefitsPRO Magazine, Global Finance Magazine, With Intelligence, the CPP Investment Board, Hospitals of Ontario Pension Plan, and many more financial services and industry publications.

He is the author of "Retirement Planning in 8 Easy Steps," which, when released in 2015, was No. 11 on the Publisher's Weekly US Bestseller List for Business and Finance, beating out Mark Cuban's "How to Win at the Sport of Business."

  • Master's of Political Science, University of Toronto
Featured in
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