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Modern Tenants Insurance in Calgary.

Find your perfect apartment in Calgary? Find your perfect insurance with InsureCert.
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Renting in Calgary.

Three years ago, Calgary’s housing market was scorching – and buyers paid the (high) price. But when the price of oil tanked, the market cooled. On the bright side, that means you can score a house or condo at a deal. But anyone moving to Calgary should know that the city’s economy hinges on the oil and gas industry. Be aware, too, that Calgary is a hugely sprawling city. That means there’s a neighbourhood for everyone, from suburb-dwellers to inner-city animals.

Typical housing type:

Condos and townhouses.

Side note:

Calgary’s often overlooked on the east side of the country, with eyes turning to Vancouver instead. But Calgary has a lot going on in terms of industry – and it’s a beautiful place to live, in terms of the scenery and the people. If it’s not somewhere you’ve considered, it’s worth heading into town and taking a look around. You might just fall in love with what you see!

Average Rent

Avg. rent by housing size:

Bach/studio: $894

1-bedroom: $1,093

2-bedroom: $1,294

3-bedroom: $1,712

Avg. rent compared to other Canadian cities

Calgary is on par with the Canadian average

How we find you the best renter's insurance in Calgary.

Home, condo, or renters insurance is a type of insurance that covers loss and damages to your home and any assets in it. Home insurance also provides liability coverage against accidents that occur in or on your property. While home insurance coverage isn’t mandatory in Canada, you’ll be hard pressed to find a lender who will give you a mortgage without it. That’s why finding the right home insurance in Calgary is so important.

With InsureCert.ca, you can compare home insurance quotes from Calgary’s top home insurance brokers and agents in just a few minutes. All you have to do is select your preferred quote, and an Calgary home insurance provider will be in touch to help you secure it. Not ready to fill out a form? No problem. We answer some of the biggest questions you may have below.

Your Calgary renters insurance questions, answered.

What perils are specific to Calgary?

Your renters insurance in Calgary protects you from the same perils as other cities, so tenants who need insurance in Calgary will go through the same process as other places and cities in Canada.

If your landlord requires you to carry insurance, they want you to buy a 3rd Party Liability Policy. This Liability policy pays for your negligence if you cause bodily injury or property damage to someone else.

A Property Policy insures your stuff. You want to declare a Property Limit in CAD$ to insure all your belongings. A Liability Policy does not insure anything you own, borrow or rent, so make sure you are buying two policies when configuring your order. Liability & Property = Total Protection.

What does home insurance cover in Calgary?
Generally speaking, house insurance in Calgary will cover: Repairs to structural damage caused by certain types of perils. A home’s contents, including the personal belongings of the home’s residents, and the belongings of guests. Personal belongings include electronics, clothing, silverware, jewelry, sporting equipment, trees and plants. However, most insurance policies do put a limit on these types of benefits. Liability, which protects the policyholder and family members from lawsuits as a result of bodily injuries. The insurance policy will pay court costs up to the limit of the policy. What many people don’t know about home insurance is that a typical policy will also cover liability or negligence anywhere in North America, subject to exclusions for business and professional activities. Generally speaking, your home insurance coverage in Calgary will include the following risks:
  • Fire.
  • Lightning.
  • Smoke damage (excluding fireplaces).Theft.
  • Wind and hail.
  • Electrical current.
  • Explosion.
  • Vandalism.
  • Water damage.
  • Broken windows.Wind and hail.
  • Falling objects (unless propelled by a landslide, avalanche, or earthquake)
What risks won’t home insurance cover in Calgary?
Most home insurance providers in Calgary won’t cover two kinds of risks: uninsurable perils and optional coverage:

Uninsurable perils are predictable events that aren’t covered by insurance. That’s because the odds are high for a payout. An example of perils that may not be covered is flooding. Optional risks are those that aren’t covered but you can buy insurance for them. These would include sewage backup or earthquakes. Other things home insurance won’t cover include natural wear and tear, government actions, and the failure to make repairs. In Calgary, most home insurance policies won’t automatically cover things like sewage backup, earthquakes or flooding without additional insurance, which are called endorsements.
What kind of home insurance do you need in Calgary?

Standard homeowners insurance in Calgary comes in four different forms: comprehensive, basic, broad, basic and no frills.

Comprehensive - This type of insurance covers the building and contents from all insurable perils.

Basic or Named Perils - This policy insures your home and property for perils specifically named in your policy.

Broad - A broad policy insures your home for all risks as a result of direct damage or physical loss, but the contents are only covered against perils that you name in the policy. It’s considered a middle-ground between a comprehensive and basic policy.

No Frills - As the name suggests, it’s basic coverage for properties that don’t meet normal insurance standards.

While Calgary is less exposed to the kind of environmental perils than other cities, there are some endorsements homeowners and renters should consider including sewage backup, flooding and increased liability for your valuable items.

Purchasing extra coverage will likely increase home insurance premiums for Calgary residents, but it’s important to ensure that your assets are adequately protected. If they’re not, the costs of repairs and damages might outweigh the cost of additional coverage.

What can you do to save on home insurance in Calgary?

Living in a major city can be expensive, but finding cheap home insurance in Calgary can help you cut costs. If you’re looking to lower the cost of your premium on your Calgary home, you can:

  • Bundle insurance policies like home and auto.
  • Look into alumni or professional memberships for discounts.
  • Offer to pay a higher deductible.
  • Upgrade your home: replace knob and tube wiring, update valuable parts of your home like the kitchen or basement and replace lead pipes with copper or plastic.
  • Invest in a good security system.

Try to avoid living in areas that are known to be prone to floods, fires, or earthquakes. Finding affordable home insurance in Calgary doesn’t have to be a struggle. Whatever your method of getting the best rate, comparison shop before you buy so you can compare current home insurance rates from Calgary providers.

Most places will ask you a series of questions about your home before giving an estimate. You’ll be asked your address, postal code, the size and age of your home, the type of roof, whether you have a deck or a basement, and the type of electrical wiring throughout your home. All this will ensure you get the correct rate and the appropriate amount of coverage.

What are the best home insurance companies in Calgary?

There is no single answer to this question. There’s no one insurance provider that provides the best home insurance rates to all Calgary customers because everyone’s home insurance needs are different. The right company is the one that offers you the best rate for the type of coverage you need.

Not all insurance companies will be right for you. Here are several things to keep in mind when you’re choosing an insurer in Calgary:

  • Do they belong to a reputable association such as the Insurance Brokers Association of Canada?
  • Are they licensed?
  • Is the company in good standing? You can check review sites.
  • Can they provide references from current and previous clients?
  • How long have they been in business?

Ease of contact with your agent and company after you’ve purchased your home or renters insurance policy. Finding an Calgary home insurance quote online can be the fastest way to get in touch with the right provider that suits your needs.

What if I own a condo or rent? Can I still buy property insurance online?
You’re in luck! we offer policies to renters and condo owners. If you’re on the market for either of these policies, you can actually fill out the property insurance form above and select the Condo Insurance or Renters Insurance option on the first page. If you’re looking for more information about either of these products, feel free to visit our homeowners product page via the menu at the top of this page.
Average Rental Cost in Calgary $1,279
Number of units needed to meet demand 45,205
Number of total rental units in the province 406,210
Average monthly tenant insurance cost in Calgary$26

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Payment Options

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Monthly Withdrawals

Paying your insurance each month may be a more affordable option for you. We’ll divide your premium equally (plus an administration fee) over your 12-month term and automatically withdraw payment from your bank account every month.

  • Premium Financing
Full Payment

Pay your entire insurance premium upfront so you don’t have to think about it until renewal. For new policies, full payment is due before the policy effective date. For policy renewals, full payment is due one business day before the renewal date.

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  • Cheque

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