Calculate your B.C. home insurance quote

Compare and find the lowest home insurance rates, save an average of 32%.*

Get quotes from 50+ Canadian providers in 3 minutes.

Compare rates from Canada's leading home insurance providers

15,053 Canadians

have compared rates and saved money over the last 24 hours

What our users say:

July 12
Excellent service
The lowest rates agent called me right after I finished the initial question and...
D-Glenn Surgenor
July 11
Professional all the way!
They were able to find the right coverage at the right price in a short time. P...
July 10
JADAN M from Scoop is great!
Otnell Lewis
July 10
I was contacted by a broker who offered…
I was contacted by a broker who offered me home and automobile insurance at a mu...
James Mercer
July 7
Best price
It’s fast and easy to get home insurance
Alem Ahbte
July 7
The name says it all
The name says it all, lowest rates available and very professional service. 5 st...
Adam Koester
July 5
The service I received today 7/4/24 was…
The service I received today 7/4/24 was amazing and swift.
July 3
Quick results
Quick results, connected with a company in no time at all. Ended up doing busine...
Paul in Calgary
July 2
Prompt reply
Fare and competitive rate
Obaid Khan
June 29
Saved me $300 a year
Eric Buls
June 29
Amazing service
Amazing service, very quick response and helpful staff
Abdo Antoun
June 28
There was an instant offer and then…
There was an instant offer and then quick follow up.
June 28
The people I was dealing with were…
The people I was dealing with were knowledgeable and very helpful
June 27
Guve us the best what we looking for
Genelyn Tacaisan
June 27
When I booked a time to call me
When I booked a time to call me, they were right on time - no waiting with eleva...
June 26
Easy process
Easy process, very helpful
Shauni Needham
June 25
Great customer service, friendly staff.
June 24
He answered all my questions
He answered all my questions
Marcia Atkins
June 24
Mark was very helpful
Mark was very helpful
Liloutie Jairam

How comparing home insurance quotes works. Hint: it’s free!


Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.


When you find the best quote, secure your Manitoba home insurance rate by talking to a licensed broker or agent.

How to use our Manitoba home insurance calculator

If you're looking to buy a home in Manitoba, and need home insurance, or need to upgrade your existing home insurance for any reason, has an easy, and free, solution for your home insurance needs. Our Manitoba Home Insurance Calculator can get you the cheapest home insurance rate quotes from more than 50 of Canada’s top insurance companies in just a few minutes.

Answer our questionnaire as detailed as you can. The more information you input the better your response will be. But if you can’t answer everything, our partners can help with that later on in the process.’s home insurance calculator is free with no obligation. To start the process right now, enter your postal code above and click the 'Get Started' button.

Step 1

Input if you are the homeowner

Your postal code

Step 2

Your home address

Step 3

Input information about yourself such as:

Step 4

Selecting discounts you would like to include

You can apply for discounts on your Manitoba home insurance policy, such as:

Then you will enter your email address to receive a copy of your quotes.

Now leave everything to us. In just a few minutes you’ll get the cheapest home insurance quotes from the top 50 providers in the country. We’ll email you the results and the choice is yours.

Factors that determine your home insurance premiums in Canada

Home insurance premiums are based on a multitude of factors that can either raise or lower your rates. Consider the following when assessing your Manitoba home insurance premiums and if the following applies to you:

  1. Location – The neighbourhood you live in can have an influence on the Manitoba home insurance rate you will pay. If, for example, you live in a high crime area, you will face a higher insurance premium to pay for the higher risk factor. High crime areas have more incidents of theft or vandalism, resulting in more claims.
  2. Fire hydrant/station proximity – Being near a fire station or hydrant can mean the difference between saving or losing your home in a fire. Your Manitoba home insurance provider will take note of that and measure the risks you face by your proximity to such home-saving tools.
  3. The age and condition of your home – Older homes require greater maintenance, which could lead to more claims and issues. The older your home, the more risk you may face of problems, which could lead to higher premiums.
  4. Replacement cost – A more expensive home or newer home may have higher replacements costs. The higher the replacement cost, the more your claims would be and the higher your Manitoba home insurance rates will be.
  5. How many claims you’ve made in the past – Past claims history matters to Manitoba home insurance providers. The more you have the greater the risk you are considered to be.
  6. Credit score – Homeowners with credit scores are considered lower risk. This can help lower your insurance rates in Manitoba. You might receive discounts if you allow your insurance provider to check your credit.
  7. Your home’s heating system – Older heating systems such as oil-based heaters or even wood-burning stoves can cause damage, result in fire or injure occupants of the home. This may result in higher Manitoba home insurance premiums if you have such systems.
  8. Bundling – Having several insurance policies with one provider, also known as bundling, can help save homeowners on insurance premiums. Manitoba home insurance providers will offer discounts to thank you for your loyalty, and as a bit of a cost saving on administrative costs.
Outline of a house. Illustration.

See how our customers save big on home insurance.

Type of homeLocationPrevious claimsLowest rateAverage rateSaved
Quote from July 14, 2024
Type of home
Detached 1,840 sq ft
Powell River, BC
Previous claims
Lowest Rate
Average rate
$660/yr (22.00%)
Quote from July 14, 2024
Type of home
Duplex 1,613 sq ft
Kelowna, BC
Previous claims
Lowest Rate
Average rate
$2,736/yr (75.00%)
Quote from July 14, 2024
Type of home
Detached 1,475 sq ft
Delta, BC
Previous claims
Lowest Rate
Average rate
$360/yr (27.00%)
Home insurance quotes are compared from CAA, Dominion Insurance, Economical Insurance, Gore Mutual, Max Insurance, Pembridge, SGI, Square One Insurance, and Wawanesa Insurance.

Frequently asked questions about calculating your home insurance in BC

How to calculate the cost of home insurance in B.C.

Finding an accurate homeowners insurance calculator for B.C. online can be a challenge because there are so many variables to consider. How much insurance you purchase will play a major role in determining your monthly payments. Your monthly payments, together, will make up the total cost of your policy which consists of your premiums and any additional fees you’ll have to pay.

The cost of rebuilding your home: One of the main reasons homeowners purchase insurance is to repair or replace your home in the event of an accident or weather-related event. This is why the cost of replacing your home will factor in the cost of your home insurance policy. However, with home values going up across Canada (particularly in B.C.), many homeowners choose to add a guaranteed replacement cost endorsement to their policy, which may bump up their insurance premiums. However, having this kind of coverage could pay off if you’ve used expensive materials or have high-end fixtures or appliances.

How much home insurance you purchase: This is the primary factor that will go into determining your home insurance payments. There are a number of different policies to choose from. Which one you go with a bare-bones policy vs. a more comprehensive policy — as well as whether you decide to purchase any additional coverages, will also determine how much you’ll pay.

This will be the main factor in determining your home insurance payments. How much coverage you purchase will depend on whether you want a bare-bones or more comprehensive policy or whether you require any additional coverage for high-value items, extreme weather events, etc.

How much your valuables are worth: Home insurance policies can also cover the contents of the home in case of accidental damage. How much your possessions will cost to replace can also play a role in calculating your insurance premiums. It’s important to remember that there are limitations on how much coverage is available for valuables such as jewelry or art. If the limit given by your provider is lower than what your valuables are worth, it might be worth it to purchase additional coverage.

In addition to the factors that go into calculating your home insurance premiums, the items below may also come into play.

Additional fees: If you don’t pay your premiums on time, you may have to pay additional fees. Be sure not to find yourself in a situation where your method of payment expires before you provide your insurance company with a new method. In this case, you’ll be charged a late fee.

Mortgage lender: The rate you’ll pay will also be based on which lender you decide to go with. In addition, some lenders will require you to buy additional coverage, which means that you’ll have to pay higher premiums. These differences are why it’s important to compare the home insurance market before deciding on a policy. One way to do this is to use a price comparison website like

Remember to factor in the monthly interest when estimating your home insurance costs. With our B.C. home insurance premium calculator, you’ll know how much multiple insurance companies will charge you for coverage, down to the exact dollar amount? Once you’re through with our calculator, home insurance premiums in B.C. cost, down to the dollar.

Does home insurance in B.C. differ greatly from other provinces?

Home insurance coverage in B.C. won’t be significantly different from home insurance coverage in Alberta or Ontario. While car insurance is regulated provincially, which means that coverage requirements may differ from one province to the next, home insurance is not regulated provincially. This means that any major differences in your coverage will come from endorsements or “add-ons” to the policy that protects you from specific risks. One thing to be mindful of is the price of endorsements for earthquake coverage, which are more expensive in provinces with a higher risk of earthquakes, like Quebec and B.C.

In addition, areas with higher home values may also be susceptible to higher home insurance premiums because of the factors we described above, even though home insurance is based on the amount it would cost to rebuild your home and not its market value. Residents of pricier B.C. districts like the Greater Vancouver Area may want to keep this in mind.

What kinds of home insurance are there?

There is more than one policy BC homeowners can choose from. The type of policy you may need will affect your premium. That’s why our calculator lets you select what type of policy you want when entering your information into the form.

The more you know about the policy you want, the more accurate an estimate you will receive for your BC home insurance. The typical policies offered for homeowners include:


Sometimes called an all-perils policy, it gives you the most bang for your buck and coverage. It covers the structure of your home and its contents against all perils except those that are specifically excluded. If your policy names flooding and sewer backup as exclusions, then you don’t have coverage for these risks. But if a fire isn’t named as an exclusion, this coverage is included in your policy. Choosing this type of policy may mean higher monthly home insurance costs. Our calculator will give you a more exact estimate.

Basic coverage/named perils

This type of coverage, also called named perils or a standard policy offers less coverage than a comprehensive policy. It only provides coverage for the perils specifically named in the policy and nothing else.

Broad coverage

A broad policy is somewhere in between a comprehensive and a basic coverage policy. Like a comprehensive policy, it covers your home’s structure except the ones that are specifically excluded. And like a basic coverage/named perils policy, it covers your contents for only perils that are specifically named.

No frills coverage

If your home has structural damage and doesn’t meet your BC home insurance provider's standards, you may opt for a no-frills policy. This policy may cover fire damage until the home is repaired and qualifies for one of the other types of insurance described above.

Where can I get home insurance?

BC home insurance can be purchased from a few sources. You can talk to an agent, who works directly with a specific insurance provider; a broker, who can offer quotes from multiple sources; or directly from the insurance provider themselves.

One of the fastest and cheapest ways to find home insurance is online at You can use our home insurance calculator to see the types of rates you will pay for your home and then choose the policy that suits you. To begin just click the “Get Started” button above and away you go.

How can I reduce my home insurance premiums?

There are multiple ways to reduce your BC home insurance. Consider the following:

Install preventative measures against water damage, fire damage and theft: Security systems or other measures that prevent damage can help reduce risk to your home and help reduce your BC home insurance premiums.

Use weather-resistant materials to build your roof: Upgrading your roof with class four asphalt shingles or slate tiles can help it withstand intense weather, resulting in lower premiums.

Bundle your home and auto insurance policies: Bundling your home, life and auto insurance under one provider, for example, is a great way to save on insurance rates. Your provider will appreciate your loyalty and pass on some of that appreciation by way of savings.

Increase your deductible: Increasing your deductible means you are willing to pay more upfront for damages or theft, prior to your insurance kicking in. The more you are willing to pay, the less of a risk you are the cheaper your BC home insurance rates can be.

Don’t switch insurance companies before the end of your policy term: Some providers will enforce fees for early cancellation. The closer you are to the end of your term, the lower your fees may be.

Ask about discounts: Many BC home insurance providers offer discounts to members of associations or unions, for example. Talk to your agent or provider to see which discounts you qualify for.

Don’t become a high-risk customer: The more claims in your history, the greater a risk you become to your provider and the higher your BC home insurance rates will be. Try to keep claims to a minimum if possible.

What if I own a condo or rent? Can I still calculate my property insurance payments online?

Good news. Our home insurance calculator can also help with condo or renter’s insurance. As you are filling out the property insurance form, choose Condo Insurance or Renter Insurance from the drop-down menu on the first page. We’ll do the rest.

Our quoting tool will take into account whether you’re looking to ensure a house, a condo or a rental property and will calculate your rate accordingly.

If you’re looking for more information about either of these products, feel free to visit either our dedicated Condo Insurance or Renters Insurance pages.

B.C. home insurance calculator definitions

What are premiums?

An insurance premium, also known as a rate, is the amount you pay for an insurance policy. This can be paid on a monthly or annual basis. When you fill out a form to compare B.C. house insurance rates with our calculator tool, this is what you’ll be shown.

Premium payments can be made on a number of different schedules, depending on your lender. Common payment frequencies can include annually, biweekly or even monthly. Our B.C. home insurance calculator will show you your monthly payments as well as your annual costs. Regardless, a broker or agent will be in touch with you shortly after you complete the form to secure your rate. They’d be happy to answer any questions you have about payment frequency.

What are actual cash values?

An actual cash values policy means the claims payment is based on the current value of the product in a similar condition that needs to be replaced. For instance, if a 10-year-old dryer is damaged, the payment is based on the current value and not the cost of buying a new dryer. Premiums for this type of policy are lower than a replacement cost value policy.

What is the replacement cost value?

A replacement cost value policy means that the claims payment is based on the value of replacing the product with a brand new one that’s a similar make or model. Premiums for this type of policy are higher than an actual cash values policy.

What are endorsements?

Endorsements are additional types of coverage (such as sewer backup endorsement) that can be added to your insurance policy.

What is a deductible?

This is the amount you have to pay towards damages before the insurer will pay. If, for example, there’s $5,000 in damage to your home and you have a $500 deductible, you will pay the first $500 in damage and the insurance company will pay the rest. A higher deductible will lead to lower premiums.

What is depreciation?

Depreciation is a decline in the value of an item over time.

What are perils?

Perils are unexpected or accidental events.

Joel Kranc

Joel Kranc

About the Author

Joel Kranc is an award-winning writer, author and journalist. Most of his experience lies within the institutional investment and financial services space. He also covers a variety of business topics for publications in North America and the UK.

Read More

Home insurance news

Read More Like This

*Shoppers in Canada who obtained a home insurance quote on from January to December 2023 saved an average of 32% The average savings percentage represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by Excludes condo and tenant insurance.