Compare Manitoba home insurance quotes

Dwelling building

Coverage for damages caused by perils such as fire or lightning, depending on your chosen policy. It covers your dwelling (home) and any attached structures, such as a garage or sun deck. It also includes coverage for swimming pools and permanently installed outdoor equipment, like a children's playset.

• Coverage amount: Replacement cost of your home
• Included: Yes

Detached private structure(s)

Coverage for damages caused by perils such as windstorms or hail for any privately detached structures you have on your insured premises; such as a tool shed, detached garage, or pool house.

• Coverage amount: 10% - 20% of replacement cost
• Included: Yes

Personal property

Your personal property or contents are covered including appliances, furniture, clothing, and electronics. Jewellery, artwork, or other specialty items may require extra coverage, so inform your insurer. 

• Coverage amount: 70% - 80% of replacement cost, varies depending on depreciation. 
• Included: Yes

Additional living expenses

Will provide you with the means to cover the costs of living away from your home for a period of time due to an insured loss (i.e. a loss caused by an insured peril such as flood or fire).

• Coverage amount: 20% - 30% of replacement cost
• Included: Yes

 

Personal liability

Provides coverage for lawsuits against you someone that suffers an injury on your property. For example, a visitor who falls down your icy walkway during winter and opts to sue. 

• Coverage amount: $100,000 - $5,000,000
• Included: Yes

Voluntary medical payments

Medical payments to any suffering from an injury on your insured property (e.g. dental surgery, physiotherapy) for up to one year from the date of the accident

• Coverage amount: $1,000 - $10,000
• Included: Yes

Voluntary property damage

If you or a member of your household unintentionally cause damage to another person's property (e.g. baseball through a window), your insurer will reimburse the owner of the damaged property

• Coverage amount: $500 - $6,000
• Included: Yes

You can further customize your Manitoba home insurance policy with these specialty coverages. Speak with your insurance broker about what's best for your situation. Sometimes, certain coverages must be added if you live in a high-risk area. 

• Overland Water - Protection from rivers, streams, or other bodies of water overflowing causing damage to your home or spring thaw from melting snow. 
• Sewer Backup - Protection from clogged drains and city sewers backing up into your house
• Earthquake insurance - If you live in BC, Quebec, or other areas prone to earthquakes this is necessary coverage, otherwise you don't have it. 
• Mass Evacuation - If you're mandated to leave your premises due to grave danger, adding this coverage will help pay for expenses like hotels and food. 
• Identity theft - There are many ways you could be the victim of identity theft from credit cards and passports to bank accounts. The costs associated with getting your life back in order, including time off work, can't be overstated. 
• Freezer food - A power outage can spoil food quickly. If you have a deep freezer, there could be thousands of dollars stored in there that you'd want reimbursing. 
• Credit/Debit Cards, Forgery & Counterfeit - Helps to offset financial loss due to theft and/or other losses attributable to forgery or counterfeit activities
• Lock replacement - Helps with the replacement of locks at your home if your keys were lost or stolen as part of a burglary. You must report to the police before you can make a claim.