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House insurance in Alberta

Get peace of mind with tailored house insurance coverage to protect the place you call home.

Your house is more than a home. Let our home insurance coverage safeguard your home with the right coverage for your needs.
  • Tailored house insurance
    We provide house insurance that is perfectly suited to your home and that fits your lifestyle. We also provide a selection of add-ons, programs and endorsements if you need special coverage.
  • Outstanding claims experience
    Take advantage of the excellent 24/7 support with the largest claims team in Canada, whenever you need it most.
  • Some of the most generous coverage on the market 
    Get peace of mind with a single limit of insurance covering all your property and up to $2,000,000 in personal liability coverage.1
  • Bundle your house and car insurance
    Get the best value for your money with insurance bundles and take advantage of exclusive benefits.

Coverage

Home is where your heart is. Get homeowner's insurance coverage to protect what you value the most. With Intact Insurance, you will benefit from protections that fit your lifestyle. Make yourself at home!

  • Homeowner’s insurance covers damages to personal property such as: 

    • Furniture 
    • Clothing 
    • Appliances such as oven, fridge and stove 
    • Bicycles
    • TVs and other electronics
  • Protects you and your family members if sued and are legally liable for someone unintentional damage to the property of others or caused them bodily injury. Under this protection you’ll be able to cover potential:  

    • Medical bills to treat someone else’s injuries 
    • Legal expenses related to your defence
    • Costs to repair or replace damage to someone else’s property
  • Covers damages to your house itself and its attached structures as well as other permanently installed structures on your property. 

Homeowners insurance in Alberta
 

Get good homeowners insurance coverage of your Alberta home

Regardless of whether it's your first home in Edmonton, your permanent residence in Calgary or Fort McMurray, or your vacation destination away from the cities in Canmore or Banff, your home should be protected. Homeowners insurance helps you bounce back if anything occurs to your house or valuables. Get tailored homeowners insurance coverage by getting a quote online, by phone, or through your local insurance broker. Enjoy a simple process, from filling out the quick online form to finalizing your contract with a broker, so that you can get back quickly to doing what you enjoy the most.

  • Why get homeowners insurance coverage in Alberta
    One of the most significant investments you'll make is in your home. Protect yourself from the financial consequences of mishaps like the cost of a hailstorm damage claim, for example. Home insurance in Alberta can safeguard your investment and allow you to return to creating memories in the location you like.
  • Ways to save on homeowners insurance coverage in Alberta
    Home insurance coverage should be carried out by every homeowner. There are a few ways to save money on your insurance coverage while still getting the coverage you require, to enjoy peace of mind at the best price.

    Here are some suggestions: 
    • Combining your house and vehicle insurance with an insurance bundle to save on your insurance premiums 
    • Purchase a more recent home
    • Have an alarm system that is properly installed and monitored 
    • Pay your premiums on a yearly basis

Programs and add-ons

If you have specific needs or want the most competitive offer, take advantage of our programs and endorsements. To learn more, ask your broker or get a quote.2

my identityTM

Get access to a 24-hour line to get advice from experts and personalized legal support if you need advice about identity theft, landlord-tenant disputes, family law, employment law and cyber security breaches. It also provides coverage for expenses incurred if you are victim of a cyber-attack and cyber extortion.

Enhanced water damage package

Water is the main threat to your home. Enhanced water damage package protects you if water enters your home: sewer back-up, water and sewer lines, overland water and ground water.

Lifestyle advantage

The choice is yours. With no obligation to rebuild, you have the freedom to change your lifestyle. You could rebuild or downsize and keep any leftover money. 

Claims advantage

Benefit from a claims-free rating protection for your first loss and a deductible waiver up to $1,000 on your first eligible loss.

my Extras®

Enjoy additional coverage to protect your passions and valuable assets such as your garden, jewellery, bicycles, watercraft, securities and rental sports equipment. We protect what matters most to you!

Complementary liability umbrella insurance

Personal liability umbrella coverage will protect your assets against certain lawsuits and cover your legal expenses and loss of income while preparing your legal defence.

The perfect match between your home and auto insurance

Bundle and save in Alberta!

Combine your home insurance and auto insurance and take advantage of the exclusive benefits. Save up to 18%3on your home insurance policy and get up to 10%3 off your car insurance premium.

More ways to save

  • Alarm systems
    Have an alarm system in your home? Whether its locally monitored by yourself or by a central for fire and theft, you could save on your insurance premium! 
  • Water safety devices**
    If you have installed water flow devices with automatic shut off valves or if there is a water sensor system with three or more sensors and an automatic shut off valve in in your home, you could get a discount.
  • There’s more ways to save
    Haven’t had a claim in over a year? You’re mortgage free? Haven’t moved house over the last years? With Intact Insurance, it could help you save!

FAQ

Home insurance is slightly higher than the national average. However, the cost of home insurance is based on numerous factors some of which include: 

  • Location  
  • Deductibles 
  • Remodeling 
  • Credit history 
  • Claims history 
  • Age and construction of the home 
  • Replacement costs 

Get a quote now to get your homeowners insurance premium at the most competitive price or reach out to your insurance broker if you have any questions about the cost of your house insurance premium.

Yes. Our home insurance policy covers the costs of hailstorms and wind damage outside your home, meaning you’re being reimbursed for the cost whenever they are broken.

Home insurance isn’t mandatory in Alberta; however, most banks and mortgage loaners will expect you to have a home insurance policy as part of the financing agreement and having a policy with our insurance company is a great way to protect your personal property.

Our homeowners insurance policy covers destruction and damage caused by fire, including wildfires. In the event of a fire, Intact Insurance will cover the cost of rebuilding and repairing your personal property.

No. Your mortgage doesn't affect the price of your property insurance. There are numerous factors such as your home's location and its value that determine the overall cost of your home insurance policy. For more details, talk to your broker or get a home insurance quote online today to swiftly see how much your home insurance policy will be.

It depends on your home insurance policy and other factors: the reasons why the fence was broken and if it is covered by an insured peril in your policy. If it is covered, outside structures can be claimed on your house insurance policy. You can submit a claim online using our online services, or by calling 1-866-464-2424. If you are unsure about your insurance coverage, call your broker.

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Talk to a broker in Alberta

With all the home insurance coverage available and your specific needs, it can be difficult to pick the right protection. That’s why we have over 2,000 broker relationships across Canada. Brokers are highly skilled in assessing your home insurance needs and offer the right coverage for your situation and budget. Chat with a broker today to talk about your needs and get a home insurance quote.

Get a homeowner’s insurance quote in Alberta

Your house is your home. Let us find the best coverage for your needs by contacting a broker, by calling us or by getting a house insurance quote online. Getting a house insurance quote is the first step to protecting your most important asset.