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The first rule of saving money is to shop around for the best price. Make sure you’re not overpaying for home insurance by comparing insurance providers before you settle on one. LowestRates.ca makes comparing multiple home insurance companies a snap. We don’t sell insurance — we’re completely independent — but we can show you which insurer is offering the lowest price. Just enter your postal code and in 3 minutes we’ll show you rates from Canada’s big banks and independent lenders. Best of all? It’s free.
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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.Â
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.
| Province | User satisfaction rating |
|---|---|
| Atlantic/Ontario | Â Â Â Â Â |
| Quebec region | — |
| Western region | Â Â Â Â Â |
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.
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.Â
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.
Wawanesa offers standard home insurance coverage but there are several unique offerings as well:
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.Â
Technically, yes — but it’s only available to consumers in the United States.
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:Â 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)
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:
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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