Home Insurance in Edmonton and Alberta
We find you the best home insurance rate in Alberta. We compare top companies. You save money and get great cover.
Your home is your most important asset. One storm or fire can cost you a lot. Home insurance pays those big bills for you.
Reliant Insurance Brokers has helped Alberta homeowners for 25 years. We are an independent broker. We work for you — not for any insurer. We compare plans from many top Alberta companies. We explain your options in plain words. You pick the best plan for your home.
A free quote takes less than 3 minutes.
780-463-2115
What Is Home Insurance in Alberta?
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Home insurance is a simple deal. You pay a monthly or yearly fee. Your insurer pays to fix or replace your home if it is damaged or stolen.
Alberta law does not force you to have home insurance. But most lenders will not give you a mortgage without it. And if you own your home outright, no cover means you pay all repair bills yourself.
Alberta weather is tough on homes. Here is why that matters:
Hail hits Edmonton hard each year. It damages roofs and walls. Basement floods are growing. Heavy rain backs up into more homes each year. Wildfires burn near rural areas of Alberta. Frozen pipes burst and flood homes every winter.
Good home insurance covers all of these risks. We help you find the right plan at the right pric
What Is Home Insurance in Alberta?
“what is home insurance Alberta” | “do I need home insurance in Alberta”
Home insurance is a simple deal. You pay a monthly or yearly fee. Your insurer pays to fix or replace your home if it is damaged or stolen.
Alberta law does not force you to have home insurance. But most lenders will not give you a mortgage without it. And if you own your home outright, no cover means you pay all repair bills yourself.
Alberta weather is tough on homes. Here is why that matters:
Hail hits Edmonton hard each year. It damages roofs and walls. Basement floods are growing. Heavy rain backs up into more homes each year. Wildfires burn near rural areas of Alberta. Frozen pipes burst and flood homes every winter.
Good home insurance covers all of these risks. We help you find the right plan at the right price.
What Does Home Insurance Cover in Alberta?
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Most Alberta home insurance policies cover four things.
How Much Does Home Insurance Cost in Alberta in 2026?
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Most Alberta homeowners pay between $2,500 and $2,700 per year in 2026. That is about $208 to $225 per month. Edmonton homeowners pay a bit less — around $1,850 per year on average. Alberta home insurance costs went up 13.5% in late 2025. More storms and higher build costs are the main reasons.
Here is what affects your rate the most:
Where you live. Hail zones and flood zones cost more to insure.
Your home’s age. Old wiring and old pipes cost more. New systems cost less.
Rebuild cost. Your premium is based on what it costs to fully rebuild your home today.
Cover level. More cover costs more. Higher limits mean higher rates.
Your excess. Your excess is what you pay first on a claim. A higher excess means a lower yearly rate.
Your claims record. A clean record gets you a lower rate. Many past claims raise your rate.
Discounts. Bundling home and auto cover saves most people 10 to 20 percent.
The fastest way to know your real price is to get a free quote. We compare rates from many Alberta insurers to find the lowest price for your home.
We Cover Every Type of Home in Alberta
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No matter what type of home you own or rent, we have the right policy for you.
House Insurance Edmonton and Alberta
We cover houses, duplexes, and semi-detached homes. We serve all of Edmonton, Sherwood Park, Fort Saskatchewan, Devon, and nearby Alberta towns. This covers your full home, your things, and your liability.
Condo Insurance Edmonton
Your condo corp insures the main building. But it does not cover your unit or your things. Condo insurance fills that gap. It also covers your share of a condo deductible if a claim starts in your unit. Every condo owner in Edmonton needs their own policy.
Tenant and Renter’s Insurance Edmonton
Renter’s insurance covers your things if they are stolen or damaged. It also gives you cover if a fire or flood starts in your unit. Many Edmonton renters pay less than $25 per month for this. Many landlords now ask for it before you move in.
Rental Property Insurance Alberta
If you rent your home to tenants, a normal home policy is not enough. Landlord insurance covers the building, lost rent, and your liability. We find the right policy whether you own one unit or many.
Seasonal Home Insurance Alberta
Cabins and cottages often stay vacant for long periods and face higher weather-related risks than primary homes. Vacation home insurance helps protect your property year-round against unexpected damage, theft, and seasonal risks.
Mobile Home Insurance Alberta
Mobile homes need different insurance coverage than traditionally built homes. Mobile home insurance helps protect against fire, weather damage, theft, and liability risks. We work with insurance carriers that specialize in mobile home coverage across rural Alberta communities.
EVERYTHING YOU MUST KNOW
Property Address
Home Type
Year Built & Upgrades
Share when your home was built and any upgrades. Newer systems or renovations may help lower your insurance costs.
Current Insurance Info
Home Insurance Add-Ons Alberta Homeowners Should Know About
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A standard policy does not cover every risk. These are the key add-ons to think about in Alberta.
This covers water that flows into your home at ground level. Heavy rain and rising rivers cause this type of flood. Standard Alberta home policies do not include it. But it is one of the most common big claims in the province. Add this if you live near water or in a low area.
Sewer backup means city drains overflow and push waste into your basement. This is not the same as a flood. Edmonton and Sherwood Park homeowners with older homes or finished basements should add this.
Major quakes are rare in Alberta. But small tremors do happen — mostly in oil and gas areas. Earthquake cover is an affordable add-on worth thinking about..
Standard contents cover has limits on jewelry, art, and watches. If you own costly items, you can list them on your policy. Then you get their full value back if they are lost or stolen.
Service line coverage protects buried pipes and utility lines that run from the street to your home. Repairing damaged water, sewer, gas, or electrical lines can cost thousands of dollars. Standard home insurance policies usually do not include this coverage.
How to Lower Your Home Insurance Cost in Alberta
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Here are eight steps that cut what you pay each year.
- Bundle home and auto insurance. Most Alberta insurers give 10 to 20 percent off both when you combine them.
- Raise your excess. Going from $500 to $1,000 or $2,000 lowers your yearly cost by a real amount.
- Add a home alarm. Alarms show insurers your home is safer. Most companies give you a discount for this.
- Add water leak sensors. Sensors near taps and in your basement can lower your rate.
- Keep a clean claims record. Do not file small claims you can pay yourself. Insurers reward low-risk clients with better rates.
- Update old systems. New wiring, pipes, or a furnace can lower your rate and make your home safer.
- Review your policy each year. Your needs change. A yearly check finds deals you may be missing.
- Use an independent broker. We compare many insurers at once. You may be paying too much right now.
Why Use a Home Insurance Broker in Edmonton?
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When you buy from one insurer, you only see their rates. You have no way to know if you are getting a fair deal.
A broker like Reliant Insurance works differently. We look at many insurers at once. We compare rates and cover for all of them. We do not earn more for picking one over another. We just find the best deal for you.
Here is what you get with Reliant Insurance Brokers:
We explain your policy in plain words. No jargon. We find gaps in your cover you might miss. We help you when you need to make a claim. We check your policy each year. And we are local — you can walk in and talk to a real person in Edmonton or Sherwood Park.
We are a member of the Insurance Brokers Association of Alberta (IBAA). We have served Alberta homeowners for 25 years. We work with Intact Insurance, Aviva, and Peace Hills Insurance.
Home Insurance Alberta — Questions and Answers
1. Is home insurance required in Alberta?
No. Alberta law does not require home insurance. But most mortgage lenders will not approve your loan without it. And if you own your home with no mortgage, going without cover is a big financial risk.
2. What does home insurance cover in Alberta?
A standard policy covers three things. One — your home’s walls, roof, and structure. Two — your personal things like furniture and clothes. Three — your liability if someone gets hurt at your home. Most policies also pay for a hotel if your home needs major repairs. Floods, sewer backup, and quakes are not in most standard plans. You can add those on.
3. How much is home insurance in Alberta in 2026?
Most Alberta homeowners pay $2,500 to $2,700 per year in 2026. That is $208 to $225 per month. Edmonton homeowners pay around $1,850 per year on average. Rates rose 13.5% in late 2025 due to more storms and higher build costs.
4. What is the difference between replacement cost and actual cash value?
Replacement cost pays to fix your home at today’s prices with no cuts for age. Actual cash value pays what your home or things were worth at the time of the loss — less a cut for wear. Replacement cost gives you much better cover. We suggest it for most Alberta homeowners.
5. How do I lower my home insurance cost in Alberta?
Bundle home and auto cover to save 10 to 20 percent. Raise your excess. Add alarms and water sensors. Keep a clean claims record. Update old pipes and wiring. And use a broker who compares many insurers for you.
6. Can I bundle home and auto insurance in Alberta?
Yes. Most Alberta insurers give 10 to 20 percent off both plans when you bundle them. We compare bundled rates from many insurers to find you the best deal.
7. How do I make a home insurance claim in Alberta?
First — keep everyone safe. Second — take photos of all damage before you clean up. Third — call your broker or claims line right away.
Fourth — make only small temp fixes to stop more damage. Do not do full repairs until an adjuster sees your home. Fifth — keep all receipts for emergency costs. We walk you through each step at Reliant Insurance Brokers.
8. What do I need to get a home insurance quote in Alberta?
You need your home address, home type, year built, any upgrades, and your current policy details if you have them. That is all. We guide you
through it in less than 3 minutes.
9. How fast can I get home insurance in Alberta?
With Reliant Insurance Brokers, you can get cover on the same call or visit. Most clients are covered in 3 to 10 minutes. Your policy papers come
the same day. Call 780-463-2115 to start right now.
10. What is not covered by home insurance in Alberta?
Standard policies in Alberta do not cover overland floods, sewer backup, or quakes — unless you add them. They also do not cover normal wear and
tear, pest damage, or damage caused by the owner on purpose.
How to Get a Free Home Insurance Quote From Reliant Insurance
Getting a quote is free. It is easy. Here is how it works.
Step 1 — Tell Us About Your Home Share your address, home type, year built, and any upgrades. It takes under 3 minutes.
Step 2 — We Do the Shopping We check rates from many top Alberta insurers. We find the best cover at the best price for your home.
Step 3 — We Explain Your Options We show you what each plan covers. We explain your excess and limits in plain words. No jargon. No hidden terms.
Step 4 — You Choose. We Handle the Rest. Pick the plan you want. We do all the paperwork. Your cover starts the same day.
📞 Edmonton: 780-463-2115 📞 Sherwood Park: 780-410-1013 📧 info@reliantinsurance.ca 🌐 Free online quote form on this page
Why Alberta Homeowners Choose Reliant Insurance Brokers
Reliant Insurance Brokers has helped Alberta families since 1999. We are a family-owned, local brokerage. We have offices in Edmonton, Sherwood Park, Fort Saskatchewan, and Devon.
We are not tied to one insurer. We compare rates from many top Alberta companies — including Intact Insurance, Aviva, and Peace Hills Insurance. We find the best fit for your home and your budget.
We are licensed members of the Insurance Brokers Association of Alberta (IBAA). Our brokers follow all rules set by the Alberta Insurance Council (AIC).
When you call Reliant Insurance, you get a real person. Someone who knows your file. Someone who picks up the phone. Someone who helps you when you need to make a claim. That is what a local broker does.
We serve Edmonton, Sherwood Park, Fort Saskatchewan, Devon, and all of Alberta.
How to Get Home Insurance Quotes
Getting Home insurance quotes is easy: