Calculate your Manitoba home insurance quote

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What our users say:

July 17
Great Customer service
I was very happy and please with the outcome of the call, all my questions were ...
July 17
Great service. Great insurance rates
Aqeel Ahmad
July 17
Quick and easy
Quick and easy. Very helpful broker
Peter Deeprose
July 17
Very knowledgeable and helpful sales…
Very knowledgeable and helpful sales staff.
Lisa Rucha
July 17
Mark was very informative and not…
Mark was very informative and not pushy. He was very helpful and I appreciate it...
Brenda Hanzuk
July 16
Super helpful
Super helpful, quick and easy!
Mandy J
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...
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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

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 17, 2024
Type of home
Detached 2,029 sq ft
Previous claims
Lowest Rate
Average rate
$828/yr (31.00%)
Quote from July 16, 2024
Type of home
Detached 1,408 sq ft
Previous claims
Lowest Rate
Average rate
$504/yr (26.00%)
Quote from July 16, 2024
Type of home
Detached 1,113 sq ft
La Broquerie
Previous claims
Lowest Rate
Average rate
$336/yr (21.00%)
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 Manitoba

Looking for more info about your home insurance quotes? Check out our Home Insurance Buying Guide or the Help Centre.

How to calculate the cost of home insurance in Manitoba

As we mentioned above, there’s a lot that goes into determining your home insurance premiums. So if you’re looking for a home insurance premium calculator for Manitoba, you might want to consider our quoting tool instead. That’s because it’s not possible for a calculator to determine your monthly home insurance cost in Manitoba without some key details.

Your monthly home insurance payments will be based largely on how much coverage you purchase. But there are other things that play into your payment.

How much coverage you get: When insurance companies are determining what your home insurance premiums will be, the primary factor they consider is how much insurance you’re actually buying. Of course, the price will depend on the type of policy (of which there are a few). You might be after a comprehensive policy, or perhaps a basic policy. This will impact how much you pay.

The cost of rebuilding your home: This is a major factor that insurance companies have to take into account when determining your premiums. Why? If your home gets damaged or completely destroyed due to some sort of peril, your insurance company may need to pay to build you a brand new one.

What your home’s contents are worth: What you keep inside the house is just as important as the materials used to build the exterior. Home insurance policies will give you a certain amount of coverage for your home’s contents. If what you own exceeds that limit, then it is probably in your best interest to opt for additional coverage.

Here are some other factors that may also come into play.

Mortgage lender: Just like how food prices vary based on what grocery store you shop at, your home insurance premiums will vary based on what lender you get your mortgage from. There are some lenders that require you to buy extra coverage, which would then increase your premiums.

Interest and other fees: Something else that could affect your premiums are making late payments or missing payments altogether. In order to avoid making that costly mistake, keep a close watch on your credit card’s expiry date (if that’s where your premiums are charged to each month) when signing up with a new insurance provider. If you get charged too many late fees, you risk having your policy cancelled on you altogether, which will make it harder (and more expensive) to get insurance again with a new provider. You should also consider monthly interest when calculating your home insurance costs.

Does home insurance in Manitoba differ greatly from other provinces?

Not a whole lot. The only difference you might find from province to province could have to do with “endorsements” or “add-ons.” The availability and cost of these add-ons can vary from province to province just based on the chance of those risks happening. For example, an earthquake endorsement might not be as expensive in a province that isn’t prone to earthquakes, compared to one that is.

What kinds of home insurance are there?

There is more than one policy Manitoba 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 Manitoba 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?

Manitoba 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 Manitoba 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 Manitoba 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 Manitoba 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 Manitoba 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?

Your’re in luck. 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.

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.

Calculator definitions

What are premiums?

Premiums are the monthly or annual payments you make in order to maintain your insurance policy. If you’re wanting to find out how much home insurance will cost annually in Manitoba, our calculator tool will show you. In fact, it will show you both the annual and monthly premiums that the insurance companies are willing to offer based on the information you provide.

You’ll be able to pay your home insurance premiums annually in a lump sum, monthly, or according to another payment schedule you work out with your insurance provider. Sometimes, if your home insurance is under a certain annual amount, you may not have the option to pay monthly and you may have to pay in a lump sum. Our Manitoba home insurance quoter will show you both the annual amount and the monthly amount, but it won’t dictate how you’re going to pay. A broker or agent will get in touch with you shortly after you complete the form to secure that rate and at that time, you can discuss payment frequency.

What are actual cash values?

This refers to a type of policy wherein your insurance company gives you the current value for an item that needs replacing as opposed to what it costs to buy a brand new one. As such, premiums for this type of policy tend to be lower than a replacement cost value policy.

What is the replacement cost value?

This refers to a type of policy wherein your insurance company replaces the damaged item with a brand new one that is similar in make or model. As such, premiums for this type of policy tend to be higher than in an actual cash values policy.

What are endorsements?

Endorsements are a fancy word for “add-ons.” They simply refer to extra/additional coverage that you can buy for specific things not covered in your base policy, such as jewelry, sewer backup, earthquake, or overland flooding.

What is a deductible?

A deductible is the amount of money you’ll be responsible for in the event that you make a claim and you’re found partially or fully at fault. If, for instance, your claim was $5,000 and your deductible was $2,000, then your insurance company only needs to pay you $3,000. The higher the deductible, the lower your premiums, typically. So consider increasing your deductible if you can afford it and are looking to save money on your home insurance.

What is depreciation?

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

What are perils?

Perils are events that happen unexpectedly or by accident.

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.

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*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.