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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
June 22
Got all the answers I needed
Answer all my questions and the the knowledge of the agent regarding my question...
Abbas Negravi
June 20
Quick responses with a great attitude.
June 20
Good rates using
June 19
Good conversation finding best rates .
Good conversation finding best rates .
Wanda Smith
June 18
- overall good info
- pleasant knowledgeable person giving info - had to wait a bit for some 'consul...
Carman Holbrook
June 18
I wanted a cheaper rate being I'm a…
I wanted a cheaper rate being I'm a senior and a widow
Diane Bardeau
June 14
Pleasant, calm up to the point conversation, simple question. Thank you
Zdzislaw Waga
June 14
Your response is quick ang i got my…
Your response is quick ang i got my quote on time
Horace Delosreyes
June 12
Quick response and was able to connect…
Quick response and was able to connect me with a broker rather quickly...well do...
June 11
Spoke with Gord Allen he answered all…
Spoke with Gord Allen he answered all my questions.
Patty Bryans
June 10
Fast process.I got a call just in…
Fast process.I got a call just in minutes
Zoltan gal
June 10
The service was quick and convenient.
The service was quick and convenient.
June 8

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

How we find you the best home insurance in Winnipeg.

Planning on buying a home in Winnipeg? Then you should plan to buy home insurance, too. It may not be mandatory the way auto insurance is for drivers, but in order to qualify for a mortgage, your lender will likely require you to have home insurance. But don’t just think of home insurance as an obligation to your bank or broker. Your home is probably your most valuable asset. Plus, you’re going to live in your home. You need to protect it.

Mortgage payments will likely eat up a sizeable portion of your monthly income. Add insurance costs on top of that and you might feel like you’re scraping by — even in a relatively affordable city like Winnipeg.

That’s why it’s important to compare home insurance quotes online from Winnipeg's top insurance brokers when you’re in the market for home insurance. There’s a lot of variation in the way that insurance companies assess and underwrite risk. That means the cost of a premium will vary, too. compares the market for you and finds you the cheapest home insurance rates in Winnipeg.

Without a detailed picture of your situation and your needs, it’s tough to get an accurate sense of how much your home insurance premium will be. One of the best ways to get an idea of how much home insurance will cost for you is to fill out a form on a rate comparison site like

We’ll ask you a few questions about yourself and then show you what the leading home insurance providers in Winnipeg are able to offer you. Depending on the company offering the lowest rate, a broker or agent will contact you. Some of the insurance companies we quote will even allow you to secure a rate online without a phone call.

This page will cover the basics of what you need to know before you buy home insurance in Winnipeg, Manitoba.

Outline of a house. Illustration.

See how our customers in Winnipeg save big on home insurance.

Type of homeLocationPrevious claimsLowest rateAverage rateSaved
Quote from June 24, 2024
Type of home
Detached 1,685 sq ft
Previous claims
Lowest Rate
Average rate
$252/yr (20.00%)
Quote from June 22, 2024
Type of home
Detached 1,010 sq ft
Previous claims
Lowest Rate
Average rate
$240/yr (24.00%)
Quote from June 22, 2024
Type of home
Detached 600 sq ft
Previous claims
Lowest Rate
Average rate
$624/yr (33.00%)
Home insurance quotes are compared from CAA, Dominion Insurance, Economical Insurance, Gore Mutual, Max Insurance, Pembridge, SGI, Square One Insurance, and Wawanesa Insurance.

Tips on how to lower the cost of your home insurance policy in Winnipeg

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 in Winnipeg

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.

Your home insurance questions, answered.

How much is home insurance in Winnipeg?

Insurance companies underwrite risk differently, so home insurance premiums in Winnipeg can vary. The amount you pay really depends on the company you sign up with and your individual situation. The best way to get a home insurance estimate for a Winnipeg residence is to apply for a quote through a rate comparison site.

What risks are specific to Winnipeg?

While property insurance in Winnipeg doesn’t differ greatly from property insurance in other cities, there are a number of weather events you might encounter:

  • Flooding.
  • Extreme cold.
  • Strong winds (tornadoes have been known to occur in Winnipeg).

What risks does home insurance cover in Winnipeg?

Generally speaking, home insurance coverage in Winnipeg includes:

  • Damage or loss to your home.
  • Personal property that was stolen from your vehicle.
  • Damage or injury to others who visit your home or property.
  • Accidental damage you cause to somebody else’s property or person.
  • Additional living expenses if you’re temporarily unable to live in your home, like hotels or renting a home.

Your home insurance policy may cover damages incurred by the following events, but you’ll need to confirm with your provider first:

  • Fire including wildfires.
  • Wind-related weather including storms, tornadoes and hurricanes.
  • Ice and hail.
  • Theft.
  • Vandalism.
  • Water damage from inside your home (for example, from a broken pipe).

What risks won’t home insurance cover in Winnipeg?

Home insurance providers may deny claims for some unexpected events. The types of incidents that insurance companies include under this banner are:

  • Flooding.
  • Extreme cold.
  • Earthquakes.
  • Landslides.
  • Sewer back-ups.

Insurance companies may often refuse to cover incidents that are the result of neglect or lack of home maintenance.

For example, if you forget to turn your water off before leaving for winter vacation and your pipes freeze and burst, your insurance company may decline to help with the cost of repairs. Or, if your roof collapses because you didn’t make regular repairs, your insurance company may also deny your claim.

The events in the example above are what insurance companies refer to as expected or predictable events.

Some home insurance companies in Winnipeg will offer endorsements for these types of perils. Endorsements are optional coverages you can add to your policy at an extra cost.

Sewer backup, overland flooding and earthquake coverage can all be purchased as an endorsement.

The addition of any endorsements should be discussed with a home insurance broker or agent in Winnipeg at the outset.

What kind of home insurance do you need in Winnipeg?

There are four basic types of home insurance:

Comprehensive - This type of policy provides the most coverage. It covers your home and its contents against all perils, except for those that are explicitly left out of the policy. Comprehensive insurance is the most expensive type of policy.

Standard - A standard policy offers less coverage than a comprehensive policy. It only covers your house and contents against named perils.

Broad - Provides a level of coverage that’s in between a comprehensive and a standard policy. It covers your home against all risks, minus anything that’s been excluded. Your contents are only covered against any named risks, similar to how standard policies work.

No frills - This type of policy provides minimal coverage and is generally reserved for homes that don’t meet underwriting standards. It’s also the cheapest form of insurance available.

Also, because of the specific risks posed by Winnipeg’s climate, you may want to consider purchasing an endorsement: optional add-on coverage that costs extra. Some home insurance providers, like Royal Sun Alliance and Aviva, offer flood and sewer backup endorsements.

What can you do to save on home insurance in Winnipeg?

It’s difficult to predict exactly what the price of your home insurance in Winnipeg will be. Every home insurance company underwrites risk differently. In addition, the average cost of home insurance in Winnipeg probably wouldn’t be an indicator of what you’ll pay because rates vary based on age of the structure, construction, wiring and other items based in and around your home.

That being said it’s not impossible to find affordable home insurance for Winnipeg residents.

Here are a few strategies you can use to reduce the cost of home insurance in Winnipeg:

Increase your deductible: Your deductible is the amount you agree to pay towards an insurance claim. If you tell your insurance company you’re willing to shoulder a greater percentage of a future claim, they’ll decrease the cost of your premium. On the other hand, you’ll have to pay more out of pocket should you ever file a claim.

Bundle your insurance: Purchase car insurance from the same company that provides your home insurance. You’ll get rewarded with a discount.

Ramp up your home’s security: Subscribe to a Central Station Alarm company. It’s the type of home system that’s monitored 24-7 by a security company. Ask your insurance company if they’re partnered with a specific company for the best discount.

Don’t switch before renewal: Your current insurance company could enforce penalties for breaking your contract before your renewal date.

Renew with your current provider: Some insurance companies will provide discounts for homeowners who stick with them through the years.

Review your policy annually: You may have purchased more insurance than you actually need. Review your policy once a year — and especially after major life changes — to see if this is the case.

Shop around: Compare home insurance quotes in Winnipeg to see what all your options are. Just keep in mind that one insurance company's policy will differ from the next. Make sure you’re comparing similar policies.

Finding cheap home insurance in Winnipeg can be a great way to cut down on expenses, but getting cheap quotes shouldn’t outweigh the importance of securing the coverage you need just in case something bad happens.

What are the best home insurance companies in Winnipeg?

There’s no one insurance company that provides the best home insurance rates to all Winnipeg customers because what works well for you might not work for your neighbour and vice versa.

Another important factor to consider when choosing an insurance company is how your broker or agent interacts with you. Do they take time to answer your questions? Do you feel pressured into a sale? These are the folks that will be one of your first points of contact after an emergency. How they treat you under low-pressure situations is important.

Remember to shop around to compare different home insurance quotes in Winnipeg before you choose an insurance company to work with so you can compare current home insurance rates from Winnipeg providers.

Here’s a list of some of the major companies offering homeowners insurance in Winnipeg:

  • CAA Insurance
  • The Co-operators
  • Wawanesa
  • RBC Insurance
  • Intact Insurance

What if I own a condo or rent? Can I still buy property insurance online? can help you find coverage. To get started, enter your postal code above and select either the condo or renters insurance option. If you’re looking for more information about either of these products, we have more information on finding the best condo insurance or renters insurance.

Zandile Chiwanza

Zandile Chiwanza

About the Author

Zandile is a Personal Finance Writer at Before joining the team Zandile worked as the content editor for Real Estate Management Industry News. As a self-proclaimed budget warrior, Zandile dedicates most of her time to advocating for financial wellness.

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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.