Meet Wawanesa, one of Canada’s top home insurance providers.

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Meet Wawanesa home insurance.

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

Today 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 up to 15 quotes at once with LowestRates.ca.

How consumers review Wawanesa home insurance.

ProvinceUser satisfaction rating
Atlantic/Ontario

 

 

 

 

 

Quebec region
Western region

 

 

 

 

 

The Wawanesa home insurance advantage.

Discounts

Wawanesa encourages potential and current clients to contact an insurance agent for discounts, but the most common discount is a bundling option with auto insurance.

Special programs

Wawanesa offers standard home insurance coverage as other insurance companies 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 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.
  • Riots and vandalism - If your home is damaged as a result of a riot, you may be covered for the replacement. This includes broken windows, broken locks and destroyed landscaping.

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

Like other insurance companies, Wawanesa wants its customers to be able to contact them if they need to file a claim.

Phone:
1-844-WAWANESA (929-2637)
Hours of availability:
24/7

What else does Wawanesa Insurance do?

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

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

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