Home insurance Manitoba

Personal property insurance, also known as contents coverage, protects the personal belongings within your home from damage and/or losses, including your clothing, appliances, electronics, furniture, and more, from specific risks. Most of the time, the covered perils listed in this policy will be the same as the dwelling portion of your plan.

Personal liability insurance protects homeowners from liability concerns that may arise on their property. For example, if anyone is injured on your property or you accidentally cause property damage to another person's property, such as a guest, you could be legally liable for the ensuing costs. This is where personal liability comes in handy. This insurance will pay for medical expenses, repairs, replacement costs, and attorney's fees in the event a liability claim is filed against you.

Additional living expenses will pay for housing, food, transportation, and various other associated costs if your home suffers damage as a result of a covered loss that has made your home uninhabitable. For example, if an electric fire occurs in your home and there is smoke damage to the majority of your interior, this policy will ensure your accommodations and additional expenses are covered until you can move back in.

Overland flood insurance is essential for homeowners living in flood-prone areas across Manitoba, like along the Red River or near one of the many local lakes scattered throughout. Should your home flood and suffer water damage as a result of heavy rainfall, rising water levels, or spring thawing, flood home insurance will cover the cost of repairs or replacements to your home and personal belongings. Note that standard Manitoba home insurance does not cover external water damage, only some forms of water damage that originate from within your home.

Whether you live in an old neighbourhood in Winnipeg, or a Portage La Prairie, or have a home with a basement suite and outdated plumbing, you may want to consider sewer backup coverage. Municipal sewage pipes can become clogged with excess water following heavy rainfall. With nowhere to go, water can be forced back into your interior through your drains and toilets. Sewage backup coverage covers the expense of replacing or repairing your items and parts of your home if it is damaged by sewage.

According to Statistics Canada, rural police reported 28,554 property crimes in 2023. If you live in an area like Winnipeg where personal property theft rates are higher than in other parts of the province, adding identity theft insurance to your standard home insurance plan is recommended. If your home is broken into and your confidential information is stolen, such as your birth certificate, banking details, passport, social insurance number (SIN), and various other documents, identity theft insurance will cover the cost of replacing these items as well as the retrieval of the information that was stolen.