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Meet Wawanesa home insurance.

Wawanesa, or The Wawanesa Mutual Insurance Co., was founded in Wawanesa, Man. in 1896 and is now headquartered in Winnipeg.

Wawanesa is considered one of the top 10 property and casualty insurance companies in Canada, but initially, founders Alonzo Fowler Kempton and Charles Kerr launched it as a mutual insurance company for farmers. 

According to Wawanesa’s company history, Kempton realized that the Western settlers faced numerous natural disasters including drought, fires and hail as well as the high cost of transportation, equipment damage and fire damage.

Kempton, who was already an insurance salesman, wagered that farmers wouldn’t have as much difficulty paying their premiums if they weren’t required to cash in until after the harvest.

About 20 local farmers invested $20 each to help finance Kempton and Kerr’s idea, and in September 1896, Wawanesa came to be.

Wawanesa serves Canada, California, and Oregon. It also has a history of maintaining ties to the farming community and has been known to forgive a debt or two.

According to Wawanesa, a Quebec man sent the company eight post-dated cheques for $368, which was tied to a fraudulent auto accident claim. A company representative found the man, who was the unfortunate victim of two industrial accidents and living with his wife and seven children in what was described as a shack. The representative relayed the man’s circumstances to the company, which in turn forgave the debt.

Looking for home insurance? Compare Wawanesa with other leading Canadian insurance companies on LowestRates.ca.

How consumers review Wawanesa home insurance.

ProvinceUser satisfaction rating
Atlantic/Ontario

 

 

 

 

 

Quebec region—
Western region

 

 

 

 

 

 

How to get the cheapest home insurance quote

Getting insurance for your home is easier than you think. To get the lowest rate possible, the Financial Consumer Agency of Canada recommends following these steps when shopping for home insurance.

Compare home insurance quotes from various providers.

Ask your broker or agent about bundling your home and car insurance policies.

Ask your broker or agent about which discounts you qualify for.

You might be able to further reduce your by increasing your deductible (the amount you pay toward a claim before your insurance kicks in) and by offering to pay your insurance bill annually instead of monthly.

Increasing your deductible is a great way to save on home insurance in the short term, just make sure you have money reserved for this purpose. Focusing on finding cheap quotes isn’t always a good idea. Having the right amount of coverage — now that should always be the goal.

Factors that determine your home insurance quote

Your home insurance policy will be customized to suit your needs and the property you’re insuring.

Home insurance premiums are determined by dwelling type (is it a single-detached home, a house with a basement tenant suite, or a condo?). Insurance companies also try to predict the kind and size of claim you might make in the future.

Here are some of the criteria insurance companies look at when calculating your premium.

  • The square footage of your home.
  • Contents and quality of construction.
  • The location of your home.
  • Distance to a fire hydrant.
  • Your insurance claims history.
  • The age of your roof.
  • Your home’s plumbing.
  • Your home’s electrical system.

The Wawanesa home insurance advantage.

How can I save money on Wawanesa property insurance?

In order to save money on Wawanesa homeowners insurance, you should start by comparing Wawanesa’s rates against those of its competitors. You can do that using LowestRates.ca, where you can obtain a personalized quote online for Wawanesa home insurance. 

For additional discounts, Wawanesa encourages potential and current clients to contact an insurance agent. That said, the most common discount Wawanesa offers is a bundling option with auto insurance. When you bundle auto and home insurance together, you could get a discount on your Wawanesa home insurance policy or auto policy.

What are some special programs available in Canada with Wawanesa home insurance? 

Wawanesa offers standard home insurance coverage but there are several unique offerings as well:

  • Watercraft coverage - If you have watercraft stored on your property such as a boat, trailer or other types of watercraft, your Wawanesa policy will cover the damage done to them while they’re on your property.
  • Spoiled food - If you suffer a blackout for an extended period of time, your Wawanesa policy may cover the cost of food that goes bad during this period. You will need to maintain your fridge to qualify but this is useful for people who live in areas that could experience blackouts due to hurricanes or wildfires.
  • Dog bites - No one wants to experience a bite or to have their furry best friend bite someone on their property. Home insurance from Wawanesa offers coverage as a result of dog bites including medical bills, lost wages and pain and suffering.
  • Contents protection - Should you lose your home to a wildfire, your policy will help cover the cost of replacing furnishings. Once you get a house insurance quote from Wawanesa using LowestRates.ca, you can speak to a broker to find out the limits of this coverage.
  • Riots and vandalism - If your home is damaged as a result of a riot, at Wawanesa you may be covered for the replacement. This includes broken windows, broken locks and destroyed landscaping.

If you want coverage for water damage, Wawanesa home insurance offers an endorsement called Water Defence Coverage that you can purchase, which will protect you from things like overland flooding. 

Is there an app?

Technically, yes — but it’s only available to consumers in the United States.

How to submit a claim with Wawanesa home insurance

Great customer service is integral to Wawanesa home insurance’s mandate. In the event of an emergency, Wawanesa home insurance  can be reached at 1-844-WAWANESA (929-2637).

Hours of availability: 24/7

If you need to contact Wawanesa home insurance for any other reason, information, check out their website to find out the right number to call based on the province you live in. The head office information is below:

Wawanesa home insurance phone number for executive office in Winnipeg: 1-204-985-3923

Hours of availability: Monday to Friday, 8:15 to 4:00 PM (Central time)

What else does Wawanesa Insurance do?

If you’re a renter, Wawanesa offers tenant insurance. And if you happen to live in a condo building, Wawanesa offers condo insurance, too.

Unfortunately for landlords, Wawanesa doesn’t offer landlord insurance, but it does offer short-term rental insurance if you plan to rent out your space using Airbnb, for instance.

In addition to house insurance, Wawanesa also provides a variety of other services. These include:

  • Auto insurance
  • Farm coverage
  • Commercial business coverage
  • Life insurance
Lisa Coxon

Lisa Coxon

About the Author

Lisa is an Editor and Writer for LowestRates.ca. Her work has appeared in Reader’s Digest, Toronto Life, Canadian Living and TVO. As a child, she diligently hoarded the $50 bills that fell out of her Christmas cards. Adult Lisa is working hard to resurrect those stockpiling tendencies.

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