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Winnipeg Home Insurance Policy

Quote Your Winnipeg Home Insurance Online in Minutes

Winnipeg Home Insurance

If you’re looking for Winnipeg house insurance, you’ve come to the right place. Whether you just renewed your home insurance, or your buying your first house in Winnipeg, knowing what kind of house insurance you need can be difficult.

Your Winnipeg home and its contents are probably your most valuable possessions. Can you afford to replace them? Not many of us could. House insurance is one of the most significant purchases you will ever make to cover the posessions you care about.

We have access to a number of Winnipeg home insurance companies who have a variety of house insurance products that are competitive within Winnipeg Manitoba.

Our team of brokers will assist you in evaluating your Winnipeg home insurance quote and help tailor your policy so that you have the protection you need. Our Brokers provide exceptional customer service throughout the insurance process. We want you to understand what your Winnipeg house insurance covers and help you enjoy the insurance buying process. Just like clothing, one size fits all doesn’t always work for everyone.

Winnipeg home insurance policies come with coverages that can be customized to meet your unique needs. Winnipeg house insurance typically covers your dwelling, personal property, fences and landscaping, detached structures and personal liability.  

Unfortunately, Winnipeg home insurance claims happen. We will be by your side throughout the entire claims process and make sure you are looked after when you need us the most. 

Get a Winnipeg House Insurance Quote Online

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What determines the cost of home insurance in Winnipeg?

Your Winnipeg home insurance premium will reflect on the cost to reconstruct your home in the event of a complete loss. There are several different factors that play into the price of your Winnipeg house insurance policy. Generally, the factors behind the cost are:

  • Your Personal Property Limit
  • The Neighborhood You Live In
  • Your Past Insurance History
  • The Broker Providing The Quotes
  • The Construction Of The Dwelling
  • The Age Of The Dwelling

Winnipeg House Insurance Coverages

A Winnipeg home insurance policy is made up of coverages for your home that will help pay to replace your belongings if they are stolen or damaged by specific perils and repair or reconstruct your home in the event of a loss or damage.

The definition of “Peril” is the exposure to the risk of being injured, lost or destroyed.  When it comes to Winnipeg house insurance coverage, common all perils cover would include:

  • Fire & Smoke
  • Lightning strikes
  • Windstorms and hail
  • Explosion
  • Electrical Current
  • Damage from aircraft, car or vehicle
  • Theft
  • Falling objects

Personal Liability Protection

A conventional Winnipeg home insurance policy will include $1 million personal liability protection coverage. We always recommend a minimum of $2 million or more, and usually, the cost to increase that coverage is minimal.

Personal Liability coverage protects you against lawsuits for property damage or bodily injury that you cause to other people.  It can also come in handy for damages caused by your pets. Personal Liability protection pays for costs of defending you in court, up to the limit listed on your policy.


Additional Available Coverage

There are additional coverages available for your Winnipeg house insurance policy such as overland water, sewer back up, service line coverager, water damage, additional floaters (for items such as jewellery, collectables, and other high-value items), and increased liability limits. Ask us about what additional insurance coverages would ensure you and your family are protected.

Personal Property

Start looking around your bath, kitchen, storage rooms, bedrooms, garage or rec room.  Your list will likely increase pretty quickly! In the event of damage or loss, a home inventory checklist or video can be invaluable. Your Winnipeg house insurance company will ask you to present the claims specialist with a complete inventory of the property that was destroyed or damaged.

After you have completed your home inventory checklist or video be sure to keep it in a digital format that can be obtained outside your house. If you send it over to your Insurance Broker at Guild/HMS Insurance we will keep it on file for future reference. To download your home inventory checklist Click here. Or view this video on how to Create a Home Inventory Checklist

How Much Does Winnipeg Home Insurance Cost?


Your Winnipeg home insurance premium will reflect on the cost to reconstruct your home in the event of a complete loss. This includes the cost to replace contents, additional living expenses, outbuilding coverage and of course the cost to rebuild your home. Be sure to inform your insurance broker if you have a smoke detector system, newly built home, burglar alarm/fire or if you are mortgage-free.

Some Winnipeg house insurance companies offer different discounts that can be applied to your insurance premium. There are several different factors that play into the price of your Winnipeg home insurance policy. Generally, the factors behind the cost are:

How To Start a Guild/HMS Winnipeg House Insurance Policy

Enter in your coverage details

Choose the coverage and the price you want to pay

Submit your quote request and let one of our brokers take care of the rest

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Our team of insurance professionals are always here to help find the right insurance for you. Send us an email, check out “The Blog”, or give us a call to chat with one of our professionals.