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Whether you live in bustling downtown Calgary or in the quieter suburb of Brentwood, your home deserves the best protection. Our Calgary home insurance policies are designed to match your unique needs and budget.
Get competitive Calgary home insurance quotes online and customize your coverage easily – no jargon, just protection.
What does home insurance in Calgary cover?
Calgary home insurance goes beyond fire or wind damage. It also covers theft, liability, and a whole lot more. Here are some of the main coverages you can find under a standard homeowners policy – and some additional home insurance coverages you might need. Don’t forget, policies can differ between home insurance companies. Always review your policy to understand what you are and aren’t covered for.
Standard home insurance coverages
Protect yourself and the people in your home in case you’re sued. With personal liability coverage in Calgary, you’re covered if someone gets hurt while visiting you, or for damage you may unintentionally cause.
If something happens to your Calgary home, we’ll help pay to repair or rebuild it. Plus, because your home isn’t just four walls, we also cover things like your detached garage and shed.
Often called contents insurance, this coverage protects property you own that you could pack in a bag or put in a moving truck. Your Calgary home insurance policy covers personal property like your clothing, electronics and furniture while they’re on your property or temporarily removed (like when you’re travelling to work or out of the country).
If something happens and you can’t live in your home, the best home insurance policies in Calgary have you covered while your house is being repaired. Choose to stay in a hotel or with friends and family – we’ll help cover any extra living expenses in the event of a covered loss. Renting out part of your home at the time of loss? You’ll also be covered for your net rental income loss until your tenants can move back in.
Additional home insurance coverages
This optional coverage can help in some smelly situations. If water backs up or escapes into your Calgary rental home through a sewer, sump, septic tank or floor drain, this will cover you for the damage caused. Coverage offered depends on eligibility.
This optional coverage protects you for damage to your Calgary home from fresh water entering at ground level through windows and doors. This can include excessive rain, spring run-off and melting snow. Coverage offered depends on eligibility.
Hail coverage is optional in Alberta, but in Calgary, hailstorms can cause severe damage – and costs can quickly add up. Having hail coverage for your house in Calgary means your home and belongings will be repaired or replaced if a hailstorm happens.
Heads up! If the roof of your house or detached structures are six years and over, you'll only be covered for the depreciated value.
This covers you and anyone else on your Calgary home insurance policy in case your identity is stolen. We’ll reimburse you for legal fees as well as certain additional associated costs, up to a limit. These could include lost wages if you take time off work to resolve the issue, and payment for services that help you restore your identity.
Questions about home insurance? We’ve got your back
Insuring your home should be simple. We’ve made getting a home insurance quote quick and easy, and we’re here to help from start to finish. Read through our current blogs and frequently asked questions (FAQs) to learn more about home insurance.
Questions about home insurance? We’ve got your back
Insuring your home should be simple. We’ve made getting a home insurance quote quick and easy, and we’re here to help from start to finish. Read through our current blogs and frequently asked questions (FAQs) to learn more about home insurance.
- At Home
When should I review my home insurance policy?
An article that outlines some key moments when you should take another look at your home insurance policy.
- At Home
Water Damage: What Does Homeowners Insurance Cover?
Flooding, sewer backup, and water damage can be costly. Learn about water damage insurance and what types of water damage home insurance covers here.
- At Home
How are my personal belongings covered?
We’ve recruited our very own expert and licensed Insurance Advisor, Tawsif, to unpack everything you need to know about how your belongings are protected under your home policy. We figured it’s easiest to hear him explain it …
Well, it depends. If there are no more than two renters, you’re allowed to rent part of your house out under your Homeowners Policy. You’re also covered if you have one additional unit within your home that’s rented to one family only.
If you’re renting out a property separate from your home our Landlord Policy will make sure you’re covered if there’s any damage to items that belong to you and the property. Things like major appliances, fixtures or tools (a lawn mower or snow shovel are a couple of examples). If you live in your home, but you have more tenants than our Homeowners Policy allows for, you can purchase our Landlord Policy in addition, to cover you and your home adequately.
Yes, you can cover your vacation property with a separate home insurance policy. Your vacation home must be located in Canada.
If you’re not at your second home during the winter, there are a few things you’ll need to do to protect your home. Drain the plumbing system and close the water inlet to keep the pipes from freezing and bursting. If your vacation home has central heating, set the thermostat low enough to conserve energy but high enough to keep pipes from bursting. Burst pipes due to freezing isn’t covered under your vacation home coverage if you’ve been away from the property for more than 14 days and haven’t had anyone checking on it.
No. Sonnet doesn’t cover short-term rentals through any home sharing service, including Airbnb and Vrbo. This applies to all our property policies ¬(homeowners, condo, and landlord). Under the terms of our renters insurance, tenants also aren’t allowed to offer short-term rentals of their apartment or house – or a room in their unit – through one of these networks.
If you’re offering short-term rentals via one of these services and something happens where you need to file a claim, your claim could be denied.
Want to know more about how Sonnet covers long-term rentals? Check out our FAQ about renting out your home, condo, or rental property. Or, contact us! We’re here to help.
Depending on where you live, additional coverages are available to add on for certain events that aren’t covered by a standard home policy. These coverages are hail, sewer back up, overland water and earthquake. All of these coverages can be added when making your quote.
Already purchased? You can add on these coverages at any time through your account.
During home insurance calculation, insurance companies look at a complex set of factors. These will determine the likelihood of you making a claim – and how much a claim could cost. The higher the likelihood is, the higher your premium will be.
Factors that can affect your home insurance premium include:
- Where your home is located
Based on your postal code, an insurer can find out how many claims are made in that area – and why they happen. For example, if your area has frequent windstorms, there could be more frequent claims for damage. This could cause your home premium to be higher than that of a house in an area that doesn’t have windstorms very often. - Home age and condition
The older the building, the higher the likelihood of a claim. That’s because things like old wiring (fuses, for example) are a bigger risk for fire. And, old plumbing increases your risk of claims due to sudden leaks or burst pipes. - Heating equipment
If your home is heated with oil (like it is in many rural areas), your premium could be higher. Oil tank leaks increase risk of damage and environmental hazards. Wood stoves are also a common source of house fires, so they could raise your payments, too. - Proximity to fire support
If your home is close to a fire station and fire hydrants – like in an urban area – your premium could be lower than a home in a rural location, where travel distance is longer. - Number of past claims
The longer you’ve been claims free, the lower your premium will be. If you’ve had a claim in the last year, you can expect your premium to go up at renewal. - Your age and other information about you
As you get older, your premium will tend to decrease. The fact is, many insurance providers consider homeowners with more experience as less risky to insure. Some insurers could also look at your credit score. - How you use your home
Do you rent out rooms or a basement unit in your house? Factors like this may also impact your premium since they can increase damage and liability risks.
Whether it’s a house or a condo, buying a new property is a big investment. But, it’s more than a piece of property, it’s your home. That’s why it’s important for every home and condo owner to buy property insurance in Canada. Without property insurance, you’d be responsible for covering the cost if something were to happen to your home or your stuff, you’d have to pay out of pocket for covering the cost.
Plus, if you have a mortgage on your house or condo, your lender will also likely require you to have home insurance coverage.
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