Get Edmonton home insurance
If you live in Edmonton, you can get a home insurance quote and secure coverage online in minutes.
Are you a homeowner in Edmonton, Alberta?
Whether you're in downtown Edmonton or Aspen Gardens, having the right insurance for your home is crucial.
Our Edmonton home insurance options are customized to meet your needs with clear terms and competitive pricing. We simplify the process of securing home insurance so you can focus on what matters most. Browse the best Edmonton home insurance options online.
How much does home insurance cost in Edmonton?
The cost of insurance for a home in Edmonton is based on factors like the location, value of your belongings, and additional personal information (age, etc.) Other factors can also impact what you pay, such as past claims or inflation (to name a few). At Sonnet, we pride ourselves on offering competitive prices across Alberta. Our policies are priced for you, not just people like you.
What’s covered by home insurance?
Home insurance in Edmonton typically protects against fire, wind, and glass breakage. Standard policies coverage can also include personal property, liability, and coverage for specific needs. Keep in mind, different home insurance companies in Alberta offer different coverages. Be sure to review your policy to fully understand what is and isn’t covered.
Standard home insurance coverages
Protect yourself and the people in your home in case you’re sued. With personal liability coverage, you’re protected if someone gets hurt while visiting you or for any damage you may unintentionally cause elsewhere.
If something happens to your home, we’ll help pay to repair or rebuild it. Plus, because your home isn’t just four walls, we also cover detached dwellings like your garage or shed. Youl’ll need essential coverage like this for your house insurance in Edmonton.
Often called contents insurance, this protects property you own that you could pack in a bag or put in a moving truck. This coverage means that personal property like your clothing, electronics and furniture are covered while they’re on your property or temporarily removed (like when you’re travelling to work or out of the country).
In case something happens, and you can’t live in your Edmonton home, you’re covered while your house is being repaired. Choose to stay in a hotel or with friends and family – we’ll help cover your extra living expenses either way. Renting out part of your home at the time of loss? You’ll also be covered for your net rental income until your tenants can move back in.
Additional home insurance coverages
This home insurance coverage can help in some smelly situations. If water backs up or escapes into your Edmonton home through a sewer, sump, septic tank or floor drain, this will cover you for the damage caused, depending on eligibility.
This coverage can save you from drowning in unexpected water-related issues. You’re covered for damage to your home caused by fresh water coming in at ground level through windows and doors. This can include excessive rain, spring run-off and melting snow. The coverage is optional, based on eligibility.
A hailstorm can cause severe damage – and costs can quickly add up. Having hail coverage on your policy means your home and belongings will be repaired or replaced if a hailstorm happens. Keep in mind that hail coverage isn't automatically included in an Edmonton home insurance policy - you'll have to add it yourself. Also, if the roof of your house or detached structures are over six years old, you'll only be covered for the depreciated value.
This covers you and anyone else on your policy in case your identity is stolen. We’ll reimburse you for legal fees as well as certain additional costs, up to a limit. These could include lost wages, if you have taken time off to resolve the issue, and payment for services that help you restore your identity.
Why insure your home with Sonnet if you live in Edmonton?
Personalized pricing
We combine your unique information with a whole lot of math and analytics to build a price for Edmonton residents like you – savings included. Whether it’s a bundled savings, a group discount or acknowledgement for being claims free, you’re always getting our best possible price.
24/7 claims support
With hundreds of claims professionals and a network of Edmonton-area certified partners – we’re always here when you need us. Plus, our hassle-free claims promise guarantees the quality of your repairs when you use our pre-screened Edmonton vendors.
Savings for Canadian university alumni
If you’re a Canadian university graduate living in Edmonton, you could save even more on your insurance.
Questions about home insurance? We’ve got your back
Insuring your home should be simple. We’ve made getting a home insurance quote quick and easy, and we’re here to help from start to finish. Read through our current blogs and frequently asked questions (FAQs) to learn more about home insurance.
Well, it depends. If there are no more than two renters, you’re allowed to rent part of your house out under your Homeowners Policy. You’re also covered if you have one additional unit within your home that’s rented to one family only.
If you’re renting out a property separate from your home our Landlord Policy will make sure you’re covered if there’s any damage to items that belong to you and the property. Things like major appliances, fixtures or tools (a lawn mower or snow shovel are a couple of examples). If you live in your home, but you have more tenants than our Homeowners Policy allows for, you can purchase our Landlord Policy in addition, to cover you and your home adequately.
Yes, you can cover your vacation property with a separate
If you’re not at your second home during the winter, there are a few things you’ll need to do to protect your home. Drain the plumbing system and close the water inlet to keep the pipes from freezing and bursting. If your vacation home has central heating, set the thermostat low enough to conserve energy but high enough to keep pipes from bursting. Burst pipes due to freezing isn’t covered under your vacation home coverage if you’ve been away from the property for more than 14 days and haven’t had anyone checking on it.
No. Sonnet doesn’t cover short-term rentals through any home sharing service, including Airbnb and Vrbo. This applies to all our property policies ¬(homeowners, condo, and landlord). Under the terms of our renters insurance, tenants also aren’t allowed to offer short-term rentals of their apartment or house – or a room in their unit – through one of these networks.
If you’re offering short-term rentals via one of these services and something happens where you need to file a claim, your claim could be denied.
Want to know more about how Sonnet covers long-term rentals? Check out our
Depending on where you live, additional coverages are available to add on for certain events that aren’t covered by a standard home policy. These coverages are hail, sewer back up, overland water and earthquake. All of these coverages can be added when making your quote.
Already purchased? You can add on these coverages at any time through your account.
During home insurance calculation, insurance companies look at a complex set of factors. These will determine the likelihood of you making a claim – and how much a claim could cost. The higher the likelihood is, the higher your premium will be.
Factors that can affect your home insurance premium include:
- Where your home is located
Based on your postal code, an insurer can find out how many claims are made in that area – and why they happen. For example, if your area has frequent windstorms, there could be more frequent claims for damage. This could cause your home premium to be higher than that of a house in an area that doesn’t have windstorms very often. - Home age and condition
The older the building, the higher the likelihood of a claim. That’s because things like old wiring (fuses, for example) are a bigger risk for fire. And, old plumbing increases your risk of claims due to sudden leaks or burst pipes. - Heating equipment
If your home is heated with oil (like it is in many rural areas), your premium could be higher. Oil tank leaks increase risk of damage and environmental hazards. Wood stoves are also a common source of house fires, so they could raise your payments, too. - Proximity to fire support
If your home is close to a fire station and fire hydrants – like in an urban area – your premium could be lower than a home in a rural location, where travel distance is longer. - Number of past claims
The longer you’ve been claims free, the lower your premium will be. If you’ve had a claim in the last year, you can expect your premium to go up at renewal. - Your age and other information about you
As you get older, your premium will tend to decrease. The fact is, many insurance providers consider homeowners with more experience as less risky to insure. Some insurers could also look at your credit score. - How you use your home
Do you rent out rooms or a basement unit in your house? Factors like this may also impact your premium since they can increase damage and liability risks.
Whether it’s a house or a condo, buying a new property is a big investment. But, it’s more than a piece of property, it’s your home. That’s why it’s important for every home and condo owner to buy property insurance in Canada. Without property insurance, you’d be responsible for covering the cost if something were to happen to your home or your stuff, you’d have to pay out of pocket for covering the cost.
Plus, if you have a mortgage on your house or condo, your lender will also likely require you to have home insurance coverage.