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Compare and purchase the best
home insurance rates in Charlottetown.
Compare and purchase
the best home insurance
rates in Charlottetown.
Get free & accurate quotes from Canada’s top home insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.
Get free & accurate quotes from Canada’s top home insurance providers. In just a few minutes, our quoter can unlock discounts that can have you saving hundreds of dollars a year on average.
Comparing rates from Canada's leading Insurance Providers
CAA Insurance Company
Intact Insurance
Gore Mutual Logo
Jevco Insurance
Wawanesa Insurance
Pembridge Insurance
Type of Coverage We Provide
Home Insurance
This provides coverage for loss and damage to your property and/or any assets.
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 Charlottetown

Bundle Your Home & Auto To Save up to 25%!

Charlottetown, the capital of PEI, is located on the south shore of the province and has a population of almost 40,000 people. The city is referred to as the birthplace of Canada as a result of having hosted the inaugural meeting of the Confederation, the Charlottetown Conference, and is commemorated through several buildings, a ferry boat and the Confederation Bridge. If you love the outdoors, there's the Confederation Trail, a 400 kilometre network of walking and cycling trails covering the entire province! A bonus to living on a small island? Every major point of interest on the Island is less than a half-day drive! Charlottetown has been named one of the top cities to live in Canada. It is a great place to raise a family, with lots of outdoor spaces, higher education institutions, a growing population, a thriving economy, and a low cost of living. 

Home insurance is not legally required in Canada, especially for those who have paid off their home. But, it is mandatory for those who need to get a mortgage. Since buying a home is one of the biggest investments people make, it's important to consider getting homeowners insurance to protect the place they live, raise a family and keep their belongings. These are all things that a homeowners insurance policy can cover and we can help with that. Reach out to a Surex insurance broker to receive online insurance quotes from the top Canadian home insurance companies that service Charlottetown. 

Because all insurance companies offer different rates and different coverage types, it’s difficult to say what the ‘top’ insurance company is. Your individualized property needs will dictate the right provider for you. Some of the most popular home insurance companies in Charlottetown include Economical, Wananesa, Travelers, Royal Sun Alliance (RSA), Intact and Aviva.

The most affordable home insurance provider depends on how your situation fits into the formula companies create to evaluate policyholders. When you get insurance online with Surex, you're able to get the cheapest price on home insurance and quotes from the top Canadian home insurance companies.

For homeowners who hold a mortgage, having affordable home insurance is a necessity. This is because banks and mortgage lenders want to know borrowers (i.e. homeowners) have a backup plan in case one of three unfortunate events happens: (1) something happens to the homeowner’s home (either repairable damages or a total loss), (2) someone is inadvertently injured while on the homeowner’s property, or (3) the homeowner accidentally causes damage to another person’s property. A basic home insurance policy will cover a homeowner in any of those three scenarios, and will — by extension — ensure the homeowner will remain financially fit to continue servicing their mortgage.

On the other hand, if you own your residence outright (i.e. you’ve paid off your mortgage), you are not required by any level of government in Canada to hold a home insurance policy. However, when you compare the cost of an annual insurance policy — usually somewhere in the $800 to $1,200 range — to the value of your home and its contents, it becomes clear that protecting your assets is a wise move. Surex strongly recommends home insurance for all homeowners — just be sure to compare insurance companies with the best insurance broker if you want to find an affordable home insurance policy!

Things to do in Charlottetown
Best Parks in Charlottetown
  1. Victoria Park
  2. Confederation Landing Park
  3. Tea Hill Provincial Park
Top Attractions in Charlottetown
  1. Confederation Centre of the Arts
  2. St. Dunstan's Basilica
  3. Beaconsfield Historic House
Best Restaurants in Charlottetown
  1. Olde Dublin Pub
  2. Papa Joe's Restaurant
  3. Sims Corner Steakhouse & Oyster Bar

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