A house can be one of the biggest investments you’ll make in your life. However, it too can be exposed to hazards and damages beyond your control, which is why house insurance is a necessity.
In fact, due to the worsening disasters brought on by climate change, home insurance claims in Canada spiked by 42% over the past few years (Cision).
If your house still isn’t insured, we strongly suggest you immediately get in contact with these trustworthy insurance providers in Calgary!
Table of Contents
How much is house insurance in Calgary?
The average cost of house insurance in Calgary is $600. However, please take note that the price greatly varies depending on factors such as the house’s age, location, past claim history, and the owner’s credit score.
How We Chose
1. Desjardins General Insurance Group
Address: 1933 18 Ave NE #201, Calgary, AB T2E 7T8, Canada
Website: https://www.desjardins.com/
Facebook: https://www.facebook.com/Desjardinsgroup/
Phone number: +1 403-590-3427
Business hours: 9:00 AM – 5:00 PM (MON-FRI)
Desjardins General Insurance Group is a financial service cooperative founded by Alphonse Desjardins in 1944. They provide a wide range of insurance products for house, auto, business, life, health, and retirement.
Their house insurance places an emphasis on providing protection against loss or damage to property due to theft, water damage, and fire damage. Furthermore, they provide optional coverages for damages caused by sewer blockage, flooding, and snow buildup.
The provider also offers deals like their Multi-Line discount, which lets you save up to 35% if you buy your house and car insurance from them.
You can learn more by getting in contact with one of their 20 local agents in Calgary.
Pros
- Has 20 local insurance agents in Calgary
- Offers Multi-Line discounts for customers who’ll avail of both their auto and house insurance
- Offers a wide range of optional coverages for damages like snow buildup and flooding
- Competitive prices
Cons
- Sometimes forgets to respond to calls and emails
- Doesn’t accept online applications. All enquiries must be directed first to a local insurance agent
Customer Reviews
Offered me a great rate for insurance policy
“Had great experience with this company. Matraca offered me a great rate for insurance policy. The questionnaire was easy to understand and very straightforward. Highly recommend!”
-Natallia, Google Reviews
Grateful to have found such a reliable and trustworthy insurance provider
“I highly recommend Jeff Cooke – Desjardins Insurance for your home insurance needs. Their exceptional customer service, comprehensive coverage options, efficient claims handling, and affordability make them a top-notch choice. I am truly grateful to have found such a reliable and trustworthy insurance provider.”
-Inna Avdonina, Google Reviews
2. Wawanesa Mutual Insurance
Website: https://www.wawanesa.com/
Facebook: https://www.facebook.com/WawanesaInsurance/
Phone number: 1-800-625-7891
Business hours: 8:00 AM – 4:30 PM (MON-FRI)
Wawanesa Mutual Insurance is one of Canada’s oldest insurance providers and was founded by Alonzo Fowler Kempton in 1896. They provide a range of insurance products for house, auto, farm, life, and business.
When it comes to house insurance, their comprehensive coverage will protect your property from most forms of damage while also offering optional coverage for prized possessions like fine arts.
They also offer climate adaptability coverage, encouraging clients to switch to Energy Star-rated products and use eco-friendly building materials.
Furthermore, their house insurance has built-in inflation protection, meaning the policy can be adjusted based on the rising costs of construction materials and labour.
Pros
- Their house insurance coverage has built-in inflation protection
- They offer climate adaptability coverage, which ensures they’ll help clients afford eco-friendly building materials
- Offers a wide variety of coverage options, including protection for prized possessions like paintings
Cons
- Few reports of rude behaviour from staff
- Few cases of slow follow-up on claims
Customer Reviews
They have very good prices and services
“They have very good prices and services, I love that they always have a nice attention to the public that always leaves you wanting to visit the company. They are very good at what they do”
-Maverick12, Clearsurance Reviews
Lowest cost homeowners I could find
“Nice people. Willing to re-price policy when requested. Lowest cost homeowners I could find. I’ve never made a claim though.”
-CJo, Clearsurance Reviews
3. Aviva Canada
Did you know that not having home insurance could put you and your loved ones at risk? Learn how home insurance can help protect you, your belongings, and the people you love from unexpected incidents. #HomeInsurance101
— Aviva Canada (@AvivaCanada) October 27, 2023
Address: 112 4 Ave SW Suite 2100, Calgary, AB T2P 0H3, Canada
Website: https://www.aviva.ca/
Facebook: https://www.facebook.com/Aviva
Phone number: +1 403-750-0600
Business hours: Available 24/7
Aviva Canada is a subsidiary company started by Aviva UK in 1999. With more than 3 million clients in Canada, they provide home, auto, boat, renter, and condominium insurance to all major Canadian cities, including Calgary.
Their house insurance coverage protects their clients’ properties and personal belongings. They also offer a huge list of additional coverage options, like water damage insurance.
One of their unique offerings you can get with house insurance is cyber insurance, which will cover any losses or damages caused by cyberattacks on your home’s security and smart home systems. It also provides reimbursement for the counselling costs of victims of cyberbullying.
You can get a quick insurance quote and learn more about their policies by visiting Aviva Direct, which provides assistance 24/7.
Pros
- Highly customisable house insurance policies that have a wide list of additional coverage options
- Offers cyber insurance that will cover any damages to your property caused by cyberattacks on your property’s security or smart home systems
- Has the Aviva Direct that lets you access your policies and seek assistance 24/7
Cons
- Sometimes forgets to respond to calls and emails
- Customers sometimes had to wait hours to speak to a live representative
Customer Reviews
Aviva was so cooperative and their staff were so amazing
“My home recently suffered some damages due to the storm that we had back in July 28th. I initiated a claim with Aviva and their staff were so amazing that they tried their best to restore everything back the way it was in the shortest time possible. This was unfortunately the second claim that I had with them since my home also suffered some damages more than a year ago when the big Tornado hit Ottawa back in May 2022. In both claims Aviva was so cooperative and their staff were so amazing it made me feel the company deserves every dollar that I pay them for the insurance they provide me. I really recommend this insurance company to everyone who wants his/her home insured.”
-Koreich Abdulrahman, Google Reviews
They are always there to provide options and finding the best price
“I’ve been with Aviva for over 10 years now. It’s easy for me to complain on the cost of insurance but I’m here to share that customer service from the Aviva team has been amazing on my end. Whether it’s a small claims call or questions about my insurance package, they are always there to provide options and finding the best price.”
-Marc, Google Reviews
4. Co-operators General Insurance
Address: 411 1 St SE, Calgary, AB T2G 5E7, Canada
Website: https://www.cooperators.ca/
Facebook: https://www.facebook.com/CooperatorsFinancialServices
Phone number: +1 877-331-7900
Business hours: 9:00 AM – 5:00 PM (MON-FRI)
Co-operators General Insurance is one of Canada’s biggest insurance providers and was started by a group of farmers in Saskatchewan in 1945. They provide a wide range of insurance coverage for both houses and vehicles.
Their house insurance can cover the most common types of issues your home may face. In particular, they offer comprehensive flood insurance coverage that will protect your property and belongings against sudden and accidental water damage, regardless of whether it was caused by natural or manmade circumstances.
Moreover, the provider has a shrinking deductible policy for those starting at $1,000 or higher, which will reduce a client’s home deductible by $100 for each claim-free year that passes.
They also provide free legal support, which lets clients speak to a lawyer on almost any topic, including Canadian property laws.
Pros
- Has a comprehensive flood insurance coverage that will protect your property from both manmade and natural flooding disasters
- Has a shrinking deductible policy that will reduce a client’s home deductible by $100 for each claim-free year that passes
- Offers free legal support that lets you speak to a lawyer on various topic including property laws
Cons
- Few reports of rude behaviour from staff
- Customers sometimes had to wait hours to speak to a live representative
Customer Reviews
Always going out of their way to help me for many years
“I have recently been become a pest in communicating frequently with Co-operators about my auto insurance and house insurance regarding abrupt change in my Financial situation ! this office is located at signature Hill and I found them to have the most humane and sympathetic realistic perspective. Always going out of their way to help me for many years especially notable the last several months”
-Judy Bone, Google Reviews
I truly feel like I can rely on them
“They definitely provide the best customer service I have ever received from An insurance company. Kristen, Molly and Robin are Super friendly and knowledgable. This brokerage truly goes the extra mile to make sure that your needs are met and that you are happy. I truly feel like I can rely on them. I changed to This brokerage 5 yrs ago and have since moved all of my insurance policies for my residential, auto and commercial buildings Over to them. I highly recommend them.”
-Kamal Ikram, Google Reviews
5. RSA Canada Group
We're thrilled to be ranked in the top-10 of this year's @Insurance_Post 'Top 100 UK insurers' list! 🌟
— RSA Insurance Group (@rsagroup) October 19, 2023
This result is a testament to the incredible work being carried out by our colleagues across the business. Thank you to everyone at RSA for this fantastic achievement! 👏 pic.twitter.com/3S6RAPqVDn
Address: 326 11 Ave SW, Calgary, AB T2R 0C5, Canada
Website: https://www.rsagroup.ca/
Facebook: https://www.facebook.com/RSACanada/
Phone number: +1 403-233-6000
Business hours: Available 24/7
RSA Canada Group is a Canadian insurance provider that was formed in 1996 by the merger of Royal Insurance and Sun Alliance. They offer a wide range of products for house, auto, business, travel, and marine.
Their house insurance product provides comprehensive coverage against most kinds of damages, like fire and water damage.
They offer discounts to homeowners who own multiple properties and those who have installed alarm systems in their homes.
They even have a claim forgiveness option, which waives your first property claim and prevents your rates from going up as a result.
Furthermore, they also have a hassle-free claims guarantee that ensures they will investigate and assist clients with their claims ASAP. Clients who haven’t received a proper response to their claims within six business hours will be paid $500.
Pros
- Provides discounts to homeowners who own multiple properties or have installed alarm systems on their homes
- Has a claim forgiveness option
- Has a hassle-free claims guarantee, which will pay you $500 if they fail to entertain your claim within six business hours
Cons
- Above-average prices
- Sometimes forgets to respond to calls and emails
Customer Reviews
Absolutely outstanding service during our claim process
“Kaya Hemphill with RSA provided our family with absolutely outstanding service during our claim process. She was incredibly helpful, made everything as straight forward as possible, was supportive and always pleasant. She was clear with communications and always checked back to make certain events were moving forward.”
-Deborah Newby, Google Reviews
Very easy to work with compared to most large insurance companies
“Awesome insurance company! Adjusters are great to work with and take care of their clients. Very easy to work with compared to most large insurance companies.”
-Dylon, Google Reviews
