Home Insurance in Edmonton, Alberta

You’ve finally found the perfect home in Edmonton. The next step is protecting that home with the right home insurance. But where are you supposed to start when you’re buying home insurance in Edmonton? It can be a little overwhelming, especially if it’s your first time purchasing home insurance.

Going with an insurance broker can make the process a lot easier. We know the ins and outs of insurance. We will get to know you and find coverage that makes sense for you. Our brokers live in the communities we work in. This means we know the specific coverages you might need as a homeowner in Edmonton. Best of all, brokers know where all the best deals are hiding.

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Get the right home insurance coverage in Edmonton

Owning a home comes with risks. The risks vary depending on where you live. In Edmonton, here are a few of the specific risks you might face:

Cold weather leading to burst pipes

If you live in Edmonton, you know it gets cold! Not just chilly. Cold. Even if you’re one of those people who loves winter, it’s important to know cold weather can impact your home. When the temperature drops, the water in your pipes could freeze. This can lead to burst pipes. This is one of the most common causes of property damage in the winter.

Sewage pipe backup

A backed up sewage pipe could cause significant damage to your home and its contents. There are few causes of sewage pipe backup, such as a clog, old pipes or an overflow of the municipal system.


Fires have become a lot less common due to mandatory smoke detectors. However, a simple mistake like leaving an element on can be the start of a fire. And even a small fire can result in significant damage.

What is covered?

What is covered by your home insurance depends on the type of policy you purchase. Here are a few coverages you might want to consider:

Home or dwelling protection

This is a basic coverage that protects the property itself. It typically extends to structures attached to your home, like a garage.


Home insurance doesn’t just cover the home itself. Most policies include some coverage for the things inside your house as well. Things like electronics, furniture and even clothing could be covered.

Personal liability

If someone slips and falls on your property, you could be liable for their injuries. You might think that no one you would invite over to your home would ever sue you. However, an Amazon delivery person or your friend’s date might have no issue suing you. Personal liability insurance will cover your legal costs and any medical costs of the injured party.

What isn’t covered?

Depending on what policy you purchase, your home insurance won’t cover everything. Here are a few things you might not have coverage for.

Uninsurable perils

An uninsurable peril is something insurance companies typically don’t provide coverage for. It’s usually something that has a high chance of occurring. For example, if your home is in an area that has flooded many times in the past, it’s unlikely you’ll be able to get flood coverage.

Wear and tear

The typical damage that occurs as your home gets older is not covered by insurance.

Sewer back up

This is not a coverage included in a basic home insurance policy. It’s an additional coverage you can add onto your policy.

What can you do to save on home insurance in Edmonton?

If you have a mortgage, home insurance is typically a requirement from your lender. So you probably won’t be able to get out of buying home insurance. But there are things you can do to keep the price as low as possible. Here are a few tips:

Bundle and save!

Combining your car insurance and home insurance could result in 15 per cent savings on each policy.

Install a security system

A professional security system could result in savings. Check with your broker before you buy – not all security companies are recognized by insurance carriers.

Upgrade your home

Different home renovations can result in savings on your insurance bill. Updating things like plumbing, electrical wiring and your roof could result in paying less for insurance. Be sure to update your broker if you make any of these changes.

Get a competitive home insurance quote in Edmonton today!

We know, we just threw a lot at you. There’s a lot to think about when it comes to home insurance. Especially if you’re going through the process of buying a home at the same time. That’s why we’re here. We’re always standing by to help you navigate the process. We will make sure you walk away with home insurance coverage that makes sense for your specific situation. You’ll have peace of mind knowing your most valuable asset is protected.


How much does home insurance cost in Edmonton?

The cost of home insurance in Edmonton varies a great deal. It all depends on where your home is, the size and value of it. It only takes five minutes to get a reliable quote from a BrokerLink insurance broker.

What risks does home insurance cover in Edmonton?

The risks that are covered depends on the policy you purchase. Depending on your policy, you might be covered for things like fire, theft and certain weather damage.

What are typical home insurance premiums in Edmonton/Alberta?

Premiums vary depending on many factors. A good insurance broker knows all the right questions to ask to make sure you get the coverage you want at a great rate.

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