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Modern Tenants Insurance in Manitoba.

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

Almost 70% of foreigners looking to relocate to Canada choose provinces like Quebec, Ontario and British Columbia, drawn by attractive salaries and job opportunities. But what most immigrants don’t realise is that these cities are some of the most expensive cities to live in and because most people choose to immigrate to Canada in search of new job opportunities, the likelihood of finding jobs in your field may be very competitive and therefore may affect your ability to get permanent residence, especially if the program you are immigrating through requires a job offer.

One province that is among the best places to live in, and is often overlooked, is Manitoba. Not only does it have 10 of the top 20 In-demand jobs in 2020 list, but some of these occupations have higher salaries than the national average as well as provinces such as Ontario and British Columbia.

Manitoba also has a lower cost of living than most provinces and territories in Canada. Cost of living for a single person in Vancouver, British Columbia, for example, which may have 2 of the most liveable cities in the world but are also the most expensive cities to live in, in Canada. The average cost of living, according to Expatistan.com, for a single person in Vancouver is estimated at $3,497 per month and Toronto $3,472 compared to Winnipeg, which averages at $2,184 per month.

Besides greater employment opportunities and a lower cost of living, Manitoba also offers a lively cultural scene as well as beautiful national parks to explore. Two other great benefits that all Canadian citizens have access to, is free public healthcare and education, making it a great place for young professionals and families to relocate to.

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

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 Manitoba is so important.

With InsureCert.ca, you can compare home insurance quotes from Manitoba’s top home insurance brokers and agents in just a few minutes. All you have to do is select your preferred quote, and an Manitoba 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 Manitoba renters insurance questions, answered.

What perils are specific to Manitoba?

Your renters insurance in Manitoba protects you from the same perils as other cities, so tenants who need insurance in Manitoba 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 Manitoba?
Generally speaking, house insurance in Manitoba 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 Manitoba 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 Manitoba?
Most home insurance providers in Manitoba 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 Manitoba, 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 Manitoba?

Standard homeowners insurance in Manitoba 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 Manitoba 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 Manitoba 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 Manitoba?

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

There is no single answer to this question. There’s no one insurance provider that provides the best home insurance rates to all Manitoba 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 Manitoba:

  • 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 Manitoba 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 Manitoba $891
Number of units needed to meet demand 19,930
Number of total rental units in the province 138,220
Average monthly tenant insurance cost in Manitoba$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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