House Insurance – Manitoba
Your home is more than just a place to live – it’s where memories are made, milestones are celebrated, and comfort is found. In Manitoba, having the right house insurance is essential for safeguarding your investment and your peace of mind.
Whether you’re a first-time homeowner or looking to upgrade your current coverage, our local insurance experts can help you find a policy tailored to meet your needs. From weather events like floods and hailstorms to covering accidental damage and liability, we’ll ensure you’re prepared for the unexpected with coverage for house insurance in Manitoba.
House insurance in Manitoba, explained
Manitoba house insurance policies protect the structure of your home, your belongings inside it, and your personal liability. Policies are made up of different types of coverage, each responsible for protecting a different element of your home. While some come standard, others are optional that you can add-on for extra protection. These optional coverages will have limits – which can sometimes be increased or decreased depending on the level of additional coverage you need. Common risks covered by house insurance in Manitoba include fire, water damage, wind, theft, and vandalism.
We’ll help you assess your needs and find the best policy for your lifestyle and budget.
Dwelling coverage helps cover the cost of rebuilding or repairing the structure of your house in the event of an insured loss.
This protects your personal belongings that are inside your house. They’ll be repaired or replaced if they’re damaged or lost due to an insured loss. Most house insurance policies will protect them whether they’ve been damaged at home or anywhere in the world.
This provides protection for additional structures on your property like a shed, detached garage, or gazebo.
Provides protection if someone is injured on your property by covering legal costs if you’re held legally responsible.
If your house becomes unliveable due to an insured loss, additional expenses to temporarily live elsewhere will be covered while your home is being repaired. This typically includes food, hotel or rental charges, and other costs you wouldn’t normally be responsible for while living in your own home.
Helps cover loss or damage caused by water that enters your house above ground level as a result of torrential rainfall, the sudden rising of a fresh body of water, or the sudden melting of snow or ice.
Covers damage caused by the escape of wastewater or sewage that enters into your house through a sump-pump, floor drain or sewer system
Helps pay for the repair or replacement of service lines to your house. This coverage can include underground water and sewer piping, electrical service lines, and more.
Add this endorsement to avoid having your first house insurance claim impact your premium.
Get help through the recovery process if you or someone in your household is a victim of identity theft.
This covers common equipment in your house like heating and air conditioning systems if they fail to operate because of mechanical or electrical failure.
If your house requires repairs, this coverage protects you for any improvements required as a result of updated by-laws.
You can add certain belongings to your policy for extra coverage – such as jewellery, fine art, expensive sports equipment, etc. There are generally specific limits on house insurance policies to ensure your valuables are adequately protected.
Many homeowners are opting to add personal cyber protection to their house insurance policy. With more elements of day-to-day life being online, it’s more important than ever to protect your personal information and digital identity.
How much is house insurance in Manitoba?
How much is house insurance in Manitoba?
The average house insurance cost in Manitoba depends on where you live, your home, and more. The best way to find out how much you’ll pay is to get a quote to compare house insurance rates in Manitoba.
What factors determine the cost of house insurance in Manitoba?
How much you pay for house insurance in Manitoba depends on the coverage you choose, the type of house insurance you need and other factors including:
Depending on how old your house is, it could be more at risk of a claim compared to others.
House insurance companies in Manitoba will use your address for insight into whether your area is prone to flooding, at risk of crime, and other common types of claims made. Its distance to services is also taken into account – your homes proximity to emergency services like a fire station or fire hydrant will affect your claims risk, and premium.
Some materials are harder to work with, which could pose an increased risk, or increase the cost of repairs/replacement. The materials used during the construction of your house will impact the price of your insurance.
Your house insurance premium can be reduced when you’re eligible for discounts. Most house insurance companies in Manitoba offer discounted rates for things like consenting to a credit check, having a good claims history, and more.
How to save on house insurance in Manitoba
One way to save on house insurance is to review and optimize the coverages that are included on your policy. You can adjust your coverage limits, add or remove optional endorsements, and adjust your deductible to save on your home insurance premium
Plus, many insurance companies in Manitoba offer a menu of discounts you may be eligible for, bringing down the cost of your insurance.
Discounts on house insurance in Manitoba
Mature customer
Customers can save more on house insurance once they have reached a certain age
Claims-free
Get rewarded for remaining claims free.
Monitored alarm system
Protect your house with a professionally installed alarm system to deter break-ins and theft.
Loyalty
Enjoy a loyalty discount when you stay with your Manitoba house insurance company for multiple consecutive years.
Mortgage-free
No mortgage on your home? Get an extra discount on your house insurance coverage.
Water leak detection device
Get ahead of water damage with a leak detection device.
Get coverage that goes further with Westland Insurance
Why choose Westland for your Manitoba house insurance needs?
Expert advisors go above and beyond
Our advisors go the extra mile every step of the way and do the legwork to provide personalized house insurance in Manitoba to suit your lifestyle.
Our large network of insurers means more choice
We have a large network of insurers that we can tap into – guaranteeing great rates and options to help you get affordable house insurance in Manitoba – so you know you’re not missing out.
We work hard to make things simple
Whether it comes to finding the right house insurance coverage or navigating a claim, we keep things simple and use language that everyone can understand.
Example of a house insurance claim
One evening, Sarah was relaxing in her living room with a candle burning on the coffee table. Her dog accidentally knocked over the candle, igniting nearby items. The fire spread quickly, damaging the living room’s walls, floors, and ceiling. Many of her personal belongings, including furniture and electronics, were also destroyed.
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Damage to the house
The fire caused significant damage to the living room, including burned walls, smoke damage to the ceiling, and ruined flooring. The fire department used water to extinguish the flames, resulting in additional water damage. The policy paid for repairs to the walls, floors, and ceiling in her living room.
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Personal property
Many personal items in the living room, such as furniture, electronics, and other belongings, were completely destroyed. Fortunately, her policy covered expenses to replace her items.
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Temporary housing
Sarah was able to secure a nearby hotel room for six weeks while her home was being repaired. Her Additional Living Expenses coverage paid for her hotel accommodations.
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Food and other costs
Since she couldn’t cook in the hotel room, the Additional Living Expenses coverage helped cover the extra costs of eating out that are above her normal living expenses. It also covered other expenses, such as boarding fees for her pets.
Thanks to her home insurance, Sarah was able to recover from the fire without financial stress, and her home was fully restored.
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Manitoba house insurance FAQs
Coverage for house insurance in Manitoba typically covers damage to your home, the belongings in your home, liability coverage, and additional living expenses if your home becomes unlivable due to an insured loss.
Residential insurance policies in Manitoba do not cover damage caused by floods. You may add optional coverages to your policy to get the protection you need.
Rates and premiums for home insurance in Manitoba can vary significantly depending on factors like location, discounts, claims history, and more. The best way to figure out how much your home insurance policy will cost is to start a quote
While home insurance isn’t mandatory in Manitoba, it’s strongly recommended. Most lenders require that you have a valid home insurance policy before granting a mortgage. More than that, it offers peace of mind that you won’t be responsible for repairs or damages out-of-pocket.
Most home insurance policies do not cover short-term rentals like Airbnb or VRBO – but it depends on the specifics of your insurance policy. Speak to an advisor to review the limits of your home insurance.
Switching home insurance providers may result in a fee if you choose to cancel before your renewal date.
Fire coverage for house insurance in Manitoba isn’t mandatory, but it is part of most home insurance policies – which many lenders will require in order to secure a loan.
Clients can reach out to their broker or directly to their insurance company provider to start a claim.
Types of house insurance in Manitoba
Condo insurance
Suited for condo owners, condo insurance protects your unit, what’s in it, and renovations and upgrades you might make inside it. Made to complement your condo corporation’s insurance, it’s the protection you need to safeguard your investment.
Tenant insurance
While your landlord’s policy will protect the structure of your house, you’ll still want tenant insurance – also referred to as renters or contents insurance – to keep your personal belongings safe.
Insurance for rental properties
Get the right protection for your rental property to safeguard your investment. Be covered for rental income loss, commercial use, and personal property, such as appliances.
Cabin & Cottage insurance
Protect your home away from home with a policy for your cottage or cabin. With specialized coverage, we’ll help you find the right policy for even the most remote locations.
Mobile home insurance
Similar to property insurance in Manitoba, mobile home insurance policies offer coverages that ensure you can get back to normal as quickly as possible.
Buy house insurance in Manitoba with confidence
Whether you’re buying your first house or shopping around ahead of your renewal, we’re ready to help you find affordable house insurance in Manitoba. Connect with us today to get started.
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