From March 1–May 31, every eligible insurance quote = $10 donated to your local children’s hospital foundation, up to $50,000 across Canada. Learn more at QuoteForHope.ca.
Did you know? You can save up to 10% when you bundle your Manitoba car and home insurance with Western Financial Group.
Western Financial Group gets you the best home insurance in Manitoba because we customize your home insurance. How? Western is a top insurance broker and we partner with Canada’s top insurance companies to get you personalized home insurance quotes. You choose the best Manitoba home insurance quote that fits your needs and saves you money.
Compare Insurance Quotes for Free
We shop across trusted providers to find you the best personal or commercial insurance coverage.
Serving Canadians Since 1905
Over a century of experience delivering trusted insurance solutions.
Fast, Personalized Advice From Experts
Our local insurance experts understand your specific needs.
Convenient Same-Day Service
Get covered fast with hassle-free, same-day insurance solutions.
Giving Back
Through the Western Communities Foundation.
Over $9M donated since 2001 to strengthen communities.
The Western Communities Foundation directs 100% of donations to Canadian communities—ensuring your impact is felt where it matters most.
Dwelling coverage: Covers the cost to repair or rebuild your home if it’s damaged or destroyed by an insured event (e.g., fire, storm, or vandalism).
Personal belongings coverage: Protects your furniture, clothing, electronics, and other personal items if they are damaged, stolen, or destroyed.
Liability coverage: Provides financial protection if someone is injured on your property or if you accidentally cause damage to someone else’s property.
Additional living expenses: Covers the cost of temporary housing, food, and other expenses if your home becomes unlivable due to an insured loss.
Detached structures coverage: Protects structures on your property that are separate from your home, such as a garage, shed, or fence.
These insurance coverages aren’t automatically included in your Manitoba home insurance and need to be added:
Sewer backup coverage: Protects against damage caused by sewer or sump pump backups.
Overland flooding coverage: Covers damage from freshwater flooding, such as river overflow or heavy rain.
Earthquake coverage: Provides protection against earthquake-related damage.
Jewelry or valuables coverage: Ensures high-value items like jewelry, wine, art, or collectibles are covered.
Replacement value determines the amount needed to fully rebuild or repair your home if it is damaged or destroyed, without factoring in depreciation or market value.
Ensures adequate coverage: Accurate replacement value guarantees that your Manitoba home insurance will cover the actual costs of rebuilding your home, including materials and labor, rather than just the home's market or sale value.
Prevents underinsurance: When the replacement value is underestimated, you risk receiving insufficient funds to rebuild, which could lead to significant out-of-pocket expenses after a loss.
Adjusts for rising costs: As building materials and labor costs fluctuate due to inflation or regional factors, your home’s replacement value must be reassessed regularly to reflect current expenses.
Includes home features and renovations: The replacement cost considers specific features, upgrades, and external structures like pools or garages, ensuring comprehensive protection.
Liability coverage in your Manitoba home insurance typically includes:
Remember to let your mortgage lender know that you are switching your home insurance to Western.
You’ll need to provide detailed, accurate, up-to-date information about your home, such as square footage, how your home is heated, and if there are any recent renovations.
Again, remember to ask for discounts that may apply to your Manitoba home insurance to help you save. Discounts can include home security technology, fire alarm security, bundling, and mature owner status.
You can switch insurance companies whenever you want. It’s a good idea, though, to wait until your Manitoba home insurance policy renewal date to avoid paying cancellation penalties if you’re mid-way through your policy.
Speak with a Western insurance expert who can help you determine the best time to switch insurance companies for your Manitoba insurance.
Home insurance with Western Financial Group offers great protection for your property and belongings, giving you peace of mind against unexpected events.
Whether you're purchasing Manitoba home insurance for the first time or updating your policy, Western can help you make the best choice for your needs at the right price for you.
It pays if you unintentionally injure someone or damage their property, including legal defence costs in Manitoba. Adequate limits help protect your assets. It applies at home and often away from home.
Additional living expenses helps with temporary housing, meals, and other extra costs when an insured loss makes your home unfit to live in Manitoba. Limits and time periods apply. Keep receipts to support your claim.
Items like jewellery, bikes, art, or collectibles often have sub-limits in Manitoba. Scheduling them ensures full protection. An appraisal may be required.
This pays the extra cost to rebuild to current codes after an insured loss in Manitoba. Older homes can face higher upgrade costs. Adding this coverage helps prevent out-of-pocket surprises.
It covers sudden mechanical or electrical failure of systems like HVAC or appliances in Manitoba. It fills a gap not covered by standard wear-and-tear exclusions. Deductibles and limits apply.
It isn’t required by law, but most lenders make it a mortgage condition in Manitoba. Home insurance also protects your savings if something goes wrong. It’s a practical safeguard for homeowners.
A typical policy covers your dwelling, detached structures, personal property, personal liability, and additional living expenses in Manitoba. Coverage limits and deductibles determine how much you pay for your home insurance policy. A Western Financial Group expert can tailor these to your needs for your Manitoba home insurance.
Insure to the full cost to rebuild, not the market price, using up-to-date valuations in Manitoba. This helps avoid being underinsured after a major loss. Review rebuilding costs regularly.
Common options include comprehensive (all-risk), broad (all-risk dwelling/named-perils contents), and named-perils policies in Manitoba. Each offers a different level of protection. Choose based on your risk tolerance and budget.
We've created an ultimate guide to home insurance in Winnipeg, Manitoba just for you! Winnipeg is one of the more expensive cities for home insurance in Canada, but we can compare quotes to find the right coverage for your specific home at the best possible price. There are several ways for Winnipeg homeowners to lower their premiums, and we've covered them all in our guide.
Sewer backup is usually an optional endorsement in Manitoba. Insurers may require devices like a backwater valve or sump pump. Higher deductibles can apply.
It covers flooding from rivers, heavy rain, or snowmelt when added to your policy in Manitoba. Standard policies typically exclude this peril.
Hail and wind are typically covered perils in Manitoba home insurance. Some policies use separate or higher deductibles for these events. Check your policy for specifics.
Fire and smoke are usually covered perils, and ALE may apply during mandated evacuations in Manitoba. Limits and time caps vary. Review these before wildfire season.
It helps pay to repair underground lines like water, sewer, or power from your home to the property line in Manitoba. These failures are typically excluded otherwise. It can prevent large, unexpected bills.
Location, construction, roof age, claims history, coverage limits, deductibles, and mitigation devices all affect price in Manitoba. Local weather risks also play a role. Improvements like alarms can help.
Bundle home and auto, increase your deductible, install mitigation devices, and stay claims-free in Manitoba. Annual reviews ensure you only pay for what you need. Ask about loyalty or alarm discounts.
Pick an amount you can afford after a loss in Manitoba. Higher deductibles usually reduce premiums. Some policies have separate water or wind/hail deductibles. Ask a Western Financial Group home insurance expert for advice about choosing your deductibles.
Report the loss promptly, prevent further damage, and document with photos and receipts in Manitoba. Your adjuster will guide repairs and payments. Keep records of all expenses.
You can choose either approach in Manitoba. Approved vendor networks can speed timelines and warranty repairs. Always get estimates and keep receipts.
Extended vacancy can limit coverage unless declared, and short-term rentals often need endorsements in Manitoba. Tell your broker before listing or leaving a home vacant. This helps avoid claim issues.
Western answers your top questions about your Manitoba home insurance.
From Winnipeg to Brandon to Roblin, Souris, and Gilbert Plains, Western’s insurance advisors are here to help you protect your home wherever you are in Manitoba:
Brandon Corral Center Home Insurance | Brandon (Park Ave) Home Insurance | Bridgwater Home Insurance | Gilbert Plains Home Insurance | Kenaston Boulevard Home Insurance | Kildonan Green Home Insurance | McPhillips Street Home Insurance | Reenders Square Home Insurance | Regent Avenue Home Insurance | Regent Avenue Square Home Insurance | Roblin Home Insurance | Sage Creek Home Insurance | Souris Home Insurance | St. James (Brick Plaza) Home Insurance | Waverley Street Home Insurance | Winnipeg (Empress St.) Home Insurance | Winnipeg (Kildare Ave) Home Insurance | Winnipeg (St. Anne’s) Home Insurance
