What to know about buying home insurance in Alberta?

When you bundle your Alberta home insurance and car insurance, you can get a discount and you’ll get one bill, not two, every month. Water detection alarms, intrusion and fire alarms can get you discounts. Ask for details. Ask for discounts. Are you claims free or mortgage free? Are you a mature homeowner? See if you qualify for these discounts and others.

Why is Alberta home insurance important?

It’s the main way to help protect what’s likely your biggest investment. Your financial institution usually requires proof of insurance before they lend you money to buy your home.

What does home insurance cover in Alberta?

Theft, Fire, Third-party “slip and fall’’ accidents, Vandalism, Some weather-related events like ice damage, hail and windstorms, tornadoes, hurricanes, and wildfires.

What does home insurance in Alberta not cover?

Ask us about what optional coverages are available for your home insurance to protect what’s important to you. Overland water damage coverage, sewer backup, and earthquake coverage are typically optional coverages. Do you have art or collectibles that you want to protect? They may not always be covered under your homeowner’s policy for their full value.

How much is home insurance in Alberta?

How much your Alberta home insurance will cost depends on factors such as where your home is located. The age of your home. Does it have security features such as alarms? How much would it cost to rebuild your home? How old is the roof? Are electrical wiring and plumbing up to date? Your claims history. Any improvements or additions?

Home Insurance in the Northwest Territories

Your Trusted Partner for Home Insurance in the Northwest Territories from the experts at Western

Your Northwest Territories home insurance experts are here to get you the coverage you need, whether you're in Yellowknife, Inuvik, Hay River, or anywhere across the NWT. At Western Financial Group, we understand the unique risks and challenges of northern living, and we're committed to helping you protect your home, your belongings, and your peace of mind.

Get a Quote TODAY!

Get a Quote. Your Way.

Get started with an online quote, by phone, text, or email, whichever method works best for you. Switching your insurance can be smooth and straightforward.

Let Us Help You Protect Your Biggest Investment

We act as skilled insurance shoppers on your behalf. We partner with Canada’s leading insurance providers to deliver personalized coverage options for homes in the NWT, tailored to your needs and budget.

What to Know About Buying Home Insurance in NWT with Western

Bundle & save - If you bundle your NWT home insurance with other policies (like auto), you may qualify for discounts and consolidated billing.
Discounts for safety features - Home security systems, fire alarms, water sensors, and other protective devices can help reduce your premiums.
Ask about special discounts - If you are claims-free, mortgage-free, or a mature homeowner, you might qualify for additional savings.
Northern-specific factors - Insurers often consider additional risks in northern climates (e.g. heating systems, remote access, extreme weather).

What Does Home Insurance Cover in NWT?

Typical coverage includes:

Fire
Theft
Vandalism
Third-party liabilities (e.g. slip-and-fall on your property)
Damage from wind, hail, ice, or snow loading
Some other weather-related perils (depending on policy)

Find Home Insurance Near You in the NWT

From Yellowknife to Inuvik, Fort Smith to Hay River, Western’s insurance advisors are here to help you get the right home insurance wherever you are in the Northwest Territories:

Yellowknife Home Insurance | Hay River Home Insurance | Inuvik Home Insurance | Fort Smith Home Insurance | Fort Simpson Home Insurance

What Might Not Be Included (Without Endorsements)

Certain risks are often excluded unless added via optional coverages, such as:

Overland flooding
Sewer backup
Earthquake
Coverage for high-value items (art, collectibles, jewelry) beyond base limits

Be sure to ask about these add-ons to fully protect your personal property and assets.

Why choose Western?

Canada's Insurance Broker

Expertise: Our insurance experts have the experience and knowledge to provide you the best value for your home insurance.
Customization: We work with you to customize your insurance policy needs.
Customer service: We are committed to providing excellent customer service and we are always available to answer any questions you may have about your insurance needs.
Competitive pricing: We offer competitive pricing and we work with you to find the best coverage options from our insurance partners at the best value for you.
Convenience: We offer a range of online and in-person services, making it easy for you to get the insurance policy you need and to make changes as needed.