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Home Insurance Calgary

Multiple Home Insurance Quotes + A Real Person To Help You Along The Way

We can help you save up to 25% on the best home insurance in Calgary

Calgary is a prime example of why Canada is referred to as a melting pot. Currently, about one-quarter of Calgary’s population is foreign-born, which adds to its already diverse and unique culture. The median age of residents in Calgary is 36, making it one of the “youngest” cities in Canada. These are just a few of the reasons why Calgary is a fantastic place to start a career or family.

Whether you’re planning on moving to Calgary or simply want to buy a new home, you’ll likely need to purchase home insurance. Although there’s no law stating that you need home insurance in Calgary, your mortgage lenders will probably require you to obtain it.

If you’re having a hard time finding the best home insurance in Calgary, the Surex team is here to lend a helping hand. At Surex, we take pride in our ability to provide the cheapest, most affordable home insurance quotes in Calgary. Our insurance advisors work side-by-side with the top Canadian home insurance companies in order to make it easier for policy holder to get insurance online.

Comparing rates from Canada’s leading Home insurance providers
Wawanesa Insurance
Pembridge Insurance
Intact Insurance
Jevco Insurance
Types of Coverage That Surex Provides Homeowners in Calgary
Home Insurance

This provides coverage for loss and damage to your property and/or any asset.

Liability Coverage

This would provide protection against a lawsuit resulting from damaged property or personal injuries


A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.

Sewer Backup, Overland/Ground Water

These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.

Claims Forgiveness

This allows for the protection of your “claims free discount” in the event of your first claim.

Scheduled Items

Referring to 'special limits' on items like jewellery or art if the value is greater than the special limit you should list the item separately.

Comprehensive Insurance Coverage

When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.

Broad Coverage

When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)

Home Insurance in Calgary - What You Need to Know

A basic home insurance policy in Calgary will protect the homeowner against a range of perils, threats, and damages to their home. Here’s a list of things you’ll be covered against:

  • Weather-related damages (i.e. hail, wind, tornadoes, lightening, earthquakes, severe rain)
  • Vandalism and break-and-enters
  • Smoke and fire damage
  • Protection against explosions
  • Civil unrest, rioting, and violent protests
  • Freezing pipes
  • Collision damage (from aircrafts or vehicles)
  • Impact from falling objects
  • Coverage for detached structures on your property (i.e. garage, shed, guest house)
  • If someone is injured or dies on your property, you could be held financially liable. Basic home insurance policies in Calgary will typically cover you (i.e. the policyholder) against costs associated with these kinds of liabilities.
  • If you accidentally cause damage to somebody else’s property — whether outside your city, province, or country — you will be protected against the associated costs.
  • Coverage for the cost of temporary living arrangements, while your property is being repaired or replaced (i.e. short-term hotel stay, apartment rental)

​​Homes are not only the single largest financial investment of our lives, they’re also where we raise our children, store our valuable possessions, form lifelong memories, make friends with our neighbours, and connect with our community. Therefore, it should come as little surprise that many Calgary-based homeowners choose to protect their houses with home insurance. Despite not being a legal requirement, many homeowners still opt to protect their investments with a quality home insurance policy in Calgary.

What’s the best way to find home insurance? Simply visit and compare rates from up to ten of Canada’s leading home insurance companies at one time to find the affordable home insurance rates available. In only a few minutes, you can find affordable coverage that will protect you against weather-related damages, vandalism, fires, costly repairs, and more. Even if you have high-value jewelry, antiques, or expensive entertainment systems, Surex can cover you for those, too. In order to get a quote online, you’ll need to provide some basic home information, including the year your home was built, the type of home you have, any renovations or upgrades that have been made, and the square footage of your residence. Getting home insurance in Calgary can be complicated. Surex makes it easy with a simple online process and a dedicated insurance broker to help you along the way.


Home insurance in Calgary can be expensive, but luckily there are many ways for homeowners to lower their premiums. Here are a few ways to cut down on costs while staying protected:

  • Shop around: One of the most effective strategies to finding an affordable home insurance policy is to visit a rate comparison site like Different home insurance providers provide varying rates and offer different discounts, so it’s important to compare insurance companies and online insurance quotes before settling on a policy.
  • Bundle your policies: Another effective way to lower your home insurance premium is by bundling your existing insurance policies (e.g. auto and home) with the same provider. Bundling your policies can result in savings of up to 10% on home insurance and 15% on auto insurance.
  • Raise your deductible: Like with many insurance policies, increasing the amount you need to pay before collecting on a claim (ie. your deductible) can lower your home insurance premiums. Just be prepared to pay a bigger share in the event of a claim.
  • Choose a new home: By buying a newly-built home, townhouse, or condo in Calgary (i.e. less than ten years old), you may qualify for a home insurance discount. This is because newer dwellings tend to have fewer issues than older homes, thus you’ll be seen as a lower risk to your insurance provider.
Top Parks in Calgary
  1. Bowness Park
  2. Edworthy Park
  3. Prince's Island Park
Best Shopping Sites in Calgary
  1. CF Chinook Centre
  2. CORE Shopping Centre
  3. CF Market Mall
Top Sights and Landmarks in Calgary
  1. Studio Bell, home of the National Music Centre
  2. Fort Calgary
  3. Calgary Tower

Very pleased with the service i will definitely recommended !! not only saved time , saved money aswell witch allowed me to insured and kept both of my vehicles 10 out 10.

Fermin R — Calgary, AB

Very pleased with the service i will definitely recommended !! not only saved time , saved money aswell witch allowed me to insured and kept both of my vehicles 10 out 10.

Fermin R — Calgary, AB

Ben is an excellent guy and stellar representative. Very knowledgeable and respectful. He helped me with full professionalism and was very patient with me.

Bradley H — Calgary, AB

I was having a hard time finding insurance, Ben and Surex was able to make it happen! Thanks again Ben!

Calum B. — Calgary, AB

Denae is very helpful and made the process super easy.

Mic M. — Calgary, AB
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Do you have questions about home insurance in Calgary?

Homeowners insurance in Calgary is not legally mandatory, but it is usually required by mortgage lenders. Considering your home is your biggest asset, it only makes sense that most homeowners end up securing home insurance. However, there are rare cases where an insurance company refuses to sell a home insurance policy. This usually occurs if the insurance company deems the neighbourhood too high-risk, the weather threats too severe, the build of the house too unreliable, or the neighbourhood crime rate too high. This is another reason why shopping around on is so important: if you are denied by one provider, you can keep looking until you find a company that will cover your home in Calgary.

When selecting home insurance, you need to find the right coverage. Home insurance comes in three main forms: (1) Comprehensive (covers all risks to your property and your belongs, expect for those which are excluded from your policy), (2) Basic or Named Perils (covers only those perils which are explicitly included in the policy), and (3) Broad (covers your home in a ‘Comprehensive’ sense, but your belongings in a ‘Basic’ sense). Be sure you speak with a Dedicated Insurance Assistant about what the best insurance coverage is for you. Additionally, you need to know whether you want to insure your belongings at ‘cash value’ (items are replaced at their approximate current value, factoring in depreciation and wear and tear) or ‘actual cost’ (items are replaced at their original value, not factoring in depreciation). As you can imagine, it is more costly to insure belongings at ‘actual cost value’ than at ‘cash value’, as the payouts would be higher.

A home insurance deductible is the amount that the homeowner (i.e. the policyholder) is responsible for paying out-of-pocket in the event of a claim. The right deductible amount depends on the policyholder’s personal situation, but insurance companies usually offer home insurance deductibles in amounts of $500, $1,000, and $1,500. Of these options, $1,000 tends to be the most common amount selected by homeowners. While opting for a higher deductible can lower your home insurance premium, be sure you’re in a position to afford it if you ever need to file a claim.

If you’re unsure of who your home insurance provider is, the best first step is to call your Dedicated Insurance Assistant and ask for details. If you don’t remember whether or not you purchased home insurance in Calgary, look at your banking information and see if you’ve been paying installments, or look through your email inbox for any relevant communications. Unfortunately, there is no centralized public database that tracks home insurance policies, so it’s up to you as the policyholder to keep track of your home insurance documents and policy information.

Every homeowner has a unique property and different coverage needs, and therefore will pay different amounts for home insurance premiums. Homeowners in Alberta can expect to pay somewhere in the range of $800 to $1,200 per year to protect their home and its contents. When shopping around on a rate comparison site like, use that range as a ballpark, but don’t settle for the first rate you find (even if it’s low). Spend some time speaking with the best insurance broker to find the right policy for your property needs.

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