Reliable Home Insurance, Edmonton
Protecting Edmonton Homes with Comprehensive Coverage
Every house in Edmonton has a story and is filled with memories, and protecting those stories starts with the right house insurance from a trusted provider. Although Edmonton is a sunny city, it’s not immune to weather-related risks such as snowfalls, heavy rains, and storms. In addition to these risks, homeowners also face risks like theft, fire, water damage, and unexpected liability claims. Even if your house has upgraded security alerts and safety systems, accidents and unexpected events can still happen, and a single event could cost you thousands of dollars.
That’s why carrying home insurance in Edmonton, Alberta, is essential to protect your home, belongings, and liability. Get a quote and start protecting your home today!
Get a QuoteBundle and Save on House Insurance in Edmonton!
If you’re in Edmonton and you have home or car insurance with Leibel, you have a chance to save up to 25% on your insurance rates. Combine your home and car insurance policies into one bundle to simplify your coverage, reduce paperwork, and get a discount on your insurance. Call now to speak directly with a Leibel Insurance advisor about Edmonton House Insurance, or complete a no-pressure, no-obligation quote request form below.
CALL USWhat Are the Types of Home Insurance in Edmonton?
The main types of home insurance for Edmonton residents are:
- Homeowners’ Insurance: Local homeowners’ insurance is the standard policy designed to protect both your home and belongings inside it. It covers common risks such as theft, fire, water damage, certain types of natural disasters, and liability claims.Looking for the best homeowners’ insurance near you? Contact Leibel Insurance today and explore your coverage options.
- Condo Insurance: If you live in a condo, the standard homeowners’ insurance policy won’t be suitable for you, as you need an insurance product designed specifically for condominium living. Condo insurance in Edmonton protects your unit, belongings, and liability. Other parts of the building, like hallways, lobbies, elevators, shared areas, and the building itself, are covered under the condo corporation’s insurance.
- Tenant Insurance: Tenant insurance, also known as renters insurance, is a policy that covers your personal belongings and liability when you’re renting a home, apartment, or condo. Many tenants assume that landlords are responsible for providing rental property insurance, but this isn’t true. Landlord insurance only protects the building itself, but it doesn’t protect your possessions or liability.
Which Home Insurance Plan Is Right for You in Edmonton?
Choosing the right home insurance plan depends on your budget, the value of your home, and the level of protection you want. We care about our clients and will take the time to create long-term relationships, ensuring the contents of their home policy always meet their needs with the right coverage. We will provide you with all the details you need, and we will start with the three main types of home insurance plans you can consider:
- Basic Plan (Named Perils): This insurance coverage specifically guards your residence and its contents in Edmonton, shielding them solely from the specific risks outlined in your policy, like fire, wind, and theft.
- Broad Plan (Standard Coverage): This insurance provides comprehensive coverage for your Edmonton home and its contents, shielding them from any potential loss or damage. Exceptions only apply if certain items are explicitly excluded from your policy.
- Comprehensive Plan (All Perils):As included in the name, this coverage protects your personal property and belongings against nearly all risks, except the ones listed as “exclusions”.
If you aren’t sure about the right insurance plan for you, contact our Edmonton home insurance brokers today. We’ll review your needs, compare quotes on your behalf, and help you choose the coverage you actually need.
Get a QuoteWhat Are Home Insurance Coverage Options in Edmonton?
Home insurance is a type of property insurance in Edmonton that protects your house, personal belongings, and liability. It provides financial protection against unexpected events, such as fire, theft, water damage, or certain natural disasters.
Homeowners in Edmonton can choose from different coverage options, both standard and additional, depending on their needs.
Some of the essential coverage options are:
Dwelling Coverage
This coverage protects the physical structure of your home and any other structure attached to it, like a garage or a deck, against risks like theft, wind, fire, and vandalism. This coverage is an essential part of your home insurance in Edmonton, AB, but it’s important to understand that it only applies to the structure itself and doesn’t cover any contents inside. Exclusions apply to normal wear and tear, maintenance issues, and damage caused by certain events like sewer back-up and earthquakes.
Personal Property Coverage
Personal property coverage provides protection for all the contents inside your house, including furniture, clothing, appliances, and electronics, up to a certain limit. If your belongings are stolen or damaged by a covered peril, such as fire, theft, or water damage (if included in your policy), this coverage helps pay for repairs or replacements.
Liability Coverage
Having guests over is great, but it comes with risks. Even if this guest is a close friend, you could still be held responsible if they’re injured on your property. General liability coverage protects you from the financial burden of third-party liability claims of personal injury or property damage. It helps cover medical expenses, legal fees, and potential settlements resulting from the claim.
Additional Living Expenses (ALE)
Severe events like fire or natural disasters can cause noticeable damage to your home that forces you to leave it while it’s being repaired. Additional living expenses coverage pays for temporary housing and day-to-day costs such as meals, transportation, and utilities if you can’t live in your home due to a covered claim.
Don’t miss out on the best home insurance in Edmonton! Request an online quote or contact us to secure your coverage today.
Get a QuoteWhat Extra Coverage Options Are Available for Edmonton Homeowners?
The standard home insurance covers the basics like your dwelling, personal belongings, liability, and additional living expenses. However, many homeowners in Edmonton choose to enhance their policy with optional add-ons to address risks that aren’t included in a standard plan. There’s no right or wrong in this because the right coverage varies based on your home’s location, the value of your belongings, and your comfort level with risk.
Our experienced personal property insurance brokers recommend purchasing these additional coverages in Edmonton to ensure complete protection for your house and belongings:
- Sewer Back-Up Coverage:Water damage caused by sewer or drain backup is common in Edmonton, especially during heavy rainfall or rapid snowmelt. When water backs up through toilets or drains, it can damage basements, flooring, and personal belongings. That’s where this coverage steps in to help cover the cost of cleanup, repairs, and replacements.
- Overland Water Coverage: Homeowners who live near rivers or water surfaces need this coverage because they are at risk of flooding caused by rising water levels, heavy rainfalls, or rapid snowmelt. These events can force water into your home, potentially damaging foundations, flooring, and personal belongings. Overland water coverage protects you from financial setbacks by paying for cleanup, replacements, and repairs for damaged items.
- Earthquake Coverage: Although earthquakes aren’t common in Alberta, earthquake coverage is available as an add-on for homeowners who want to protect their houses against this risk. If an earthquake occurs, it can cause serious structural damage to your house, which must be fixed because it can make your house unsafe to live in. To be on the safe side, you can add earthquake coverage to ensure you are protected from this peril that a standard home insurance policy won’t cover.
- High-Value Items Coverage: If you own valuable items, like fine art, jewellery, collectibles, or even high-end electronics, your standard home insurance policy won’t be able to cover them. Most policies only provide coverage up to a certain limit, which is often much lower than the actual value of these items. High-value items coverage ensures these valuable possessions are protected and allows you to insure them at their full replacement cost.
- Detached Structures: If you have any detached structures, such as a garage, shed, workshop, or fence, you’ll need to have them protected under your insurance policy. Some insurers cover these structures under the standard home insurance policy, but others don’t. Which is why you’ll need to check with your insurance provider to confirm what’s included in your plan and whether additional coverage is required.
Whether you need extra coverage for water damage, valuable items, or natural disasters, contact Leibel, the best independent home insurance broker in Edmonton. Our experts ensure you get the coverage that aligns with your individual needs and works well alongside your standard home and fire insurance in Edmonton.
Get a QuoteComprehensive Insurance Options for Alberta Residents
Besides our reliable home insurance solutions in Edmonton, we offer the following services in Alberta:
Allow us to Compare Your Edmonton Home Insurance Quotes Today and Find Out How Much You Can Save
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Edmonton’s Best Home Insurance Broker
Looking for the best home insurance broker in Edmonton? Contact Leibel Insurance today for a home insurance quote at affordable rates in Edmonton, Alberta, as well as other cities in Alberta and Ontario. Fill out the FREE quote request form, or call today to receive your personal insurance quote.
How to Get Edmonton Home Insurance Quotes
Here’s a simplified process for obtaining a home insurance quote through Leibel Insurance, the cheapest home insurance broker in Edmonton:
- Contact us by phone or submit a request using our “Get a Quote” form to set up an appointment. Discuss your Edmonton home insurance needs and preferences with one of our brokers, including desired coverage options and any specific requirements.
- We gather home insurance quotes from our list of approved insurers. We also look into applicable discounts and extra savings, whether for combining home and auto policies, installing security systems, or having a good claims history.
- Review the home insurance quotes provided by Leibel Insurance and select the policy that best meets your requirements.
Once the policy is approved and issued by your chosen insurance company, arrange for payment of the premium and receive proof of insurance. - Once you’ve chosen your plan, we’ll handle the paperwork for you and get your policy set up quickly. We’ll also walk you through your policy details to ensure that you’re fully aware of your coverage, deductibles, and exclusions.
We only partner with the best insurance companies in Alberta to ensure our clients get the best service when they need it. If you’re searching for house insurance near you, our brokers at Leibel are here to help you find the right coverage at the best rate. Contact us today or fill out our online form for a quote.
How Much Is Home Insurance in Edmonton?
The average cost of home insurance in Edmonton ranges between $900 and $1,800 per year. This estimate varies depending on several factors, such as your home’s age, location, replacement value, and even the materials used in building your house. Some homeowners may even pay up to $2,000 annually because premiums increase with larger homes, higher replacement costs, and in neighbourhoods with a high crime rate.
To get a clear picture of your home insurance rate, we recommend using a home insurance calculator in Edmonton or requesting a home insurance estimate online from Leibel, the best broker in Alberta. If you want to secure the best home insurance near you, fill out our form and receive a free quote from top-rated insurance providers in Edmonton.
Get a QuoteWhat Are the Factors that Affect Your Home Insurance Rates in Edmonton?
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Location
Your postal code is one of the major factors that affect your insurance quotes for homeowners’ insurance in Edmonton. When calculating your premiums, insurers look at the neighbourhood’s crime rate, proximity to fire hydrants, risk of natural disasters, and even the condition of surrounding properties. For example, two homes with the same replacement value can have different insurance rates simply because of their location and mailing address.
Below are some examples of how your postal code can affect your home insurance quotes in Edmonton:
- T5W (Highlands/Beverly): Homeowners expect to pay an average of $1,800 annually for home insurance.
- T6A (Capilano/Fulton Place): The annual rate for this area is $1,650.
- T5N (Glenora): Since this is a historic neighbourhood with larger custom homes, insurance rates may be higher, around $2,200 annually.
- T6X (Summerside/Walker): Homes in this area get lower rates because they are mostly newer builds. The annual rate for this postal code is around $1,400.
If you’re a first-time homebuyer in Edmonton and you want to find affordable and reliable personal property insurance near you, contact us today, and we’ll connect you with one of our experienced brokers.
(866) 484-8880-
Age and Condition of Your Home
Older homes may have outdated wiring, plumbing, and HVAC systems, which can increase the risk of fire, water damage, or costly repairs in the future. These houses usually get higher insurance rates in Edmonton; meanwhile, newer houses or those that have been recently renovated get lower home insurance costs.
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Your Home’s Replacement Value
Your home insurance rates are mainly based on the cost of rebuilding your home in case of a total loss. So, homes located in areas like T5N (Glenora) usually get an annual average of $2,200 because they are larger, custom-built, and are built with high-end materials. In contrast, smaller homes in areas like T5E (Northmount) or T5C (Belvedere) may get lower rates, averaging $1,400 annually.
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Security and Safety
Many people don’t know that installing security and safety features, such as monitored alarm systems, smoke detectors, and sprinklers, can actually reduce home insurance rates. Besides lowering your insurance rates, these systems also add another layer of protection for your family and belongings by helping prevent or minimize damage during emergencies.
How to Get Cheap Home Insurance in Edmonton
Here are some helpful ways to get the cheapest home insurance in Edmonton:
Bundle up for savings
Edmonton property owners can combine their home and auto insurance for up to 25% off on home insurance for their dwelling! Get a quote for your home and car insurance online and start saving with a bundled policy today.
Increase Your Deductibles
The deductible is the amount you pay out of pocket before your insurance coverage kicks in. Choosing a higher deductible can lower your home insurance premiums, but it also means you’ll pay more out of pocket if you need to file a claim. When adjusting your deductible, you should also review your payment options with your broker, since flexible monthly or annual payments can make it easier to manage your budget.
Ask About Discounts
Many home insurance companies in Edmonton offer discounts for various factors, such as having multiple policies with the same company. However, each discount may come with specific eligibility requirements, such as installing security and safety features, being mortgage-free, or maintaining a claims-free history. Speaking with your insurance broker will help you understand which discounts you may qualify for and how you can get lower insurance rates in Edmonton.
Compare Insurance Quotes
Shopping around and comparing quotes from multiple insurance providers can help you save money. However, this can be time-consuming, especially when you have to check each company individually. That’s why homeowners rely on home insurance broker reviews in Edmonton to see how brokers are rated for service and reliability. Leibel is proud to be one of the top-rated home insurance brokers in Edmonton. We guarantee excellent service and prompt support whenever you need it.
Pay Your Premiums Annually
Although paying your insurance premiums monthly seems more affordable, paying them annually can save money in the long run. Many insurers add small administrative fees, which can increase the price you pay annually for your home insurance.
Review Your Policy Regularly
It’s important to review your current policy regularly to ensure it still makes sense for your needs. You might find yourself paying for coverage that you don’t need, or even missing out on coverage that you should have. Our brokers at Leibel take time to go through your policy with you, explain the details clearly, and identify areas that may only apply under certain conditions.
Partner with Leibel today and receive the most competitive Edmonton Home insurance quotes for free.
Get a QuoteHow Does Home Insurance in Edmonton Compare to Other Major Cities in Alberta?
Although Edmonton is a city in Alberta, insurance rates aren’t the same across the province. The average annual premium for home insurance in Alberta is $2,423, which is higher than in other provinces like British Columbia, Saskatchewan, or Manitoba. Meanwhile, the average home insurance cost in Edmonton in 2025 is around $1,725 annually.
Below is a house insurance comparison to get a clear idea of where Edmonton stands in relation to other cities regarding annual home insurance premiums:
- Edmonton: $1,725
- Calgary: $2,484
- Red Deer: $1,600
- Lethbridge: $1,500
What Risks Do Homeowners Face in Edmonton?
- Severe Weather Conditions: Heavy snowfalls, freezing temperatures, and ice storms can damage roofs, plumbing systems, and exteriors.
- Flooding: Snowmelt and heavy rain increase the risk of sewer backup and overland water damage.
- Fires: Fires are a risk in any city, especially in older homes with outdated wiring.
- Theft and Vandalism: Certain neighbourhoods have higher crime rates.
- Liability Claims: Third-party liability claims of bodily injury and property damage can lead to costly lawsuits and financial setbacks.
What Is Not Covered by Most Edmonton Home Insurance Policies?
- Overland Flooding: Damage from river overflow, surface water, or heavy rainfall isn’t covered by the standard home insurance policy, and you’ll need to add a special coverage to cover it. By providing your location and a valid postal code, our experts in Edmonton can tell you whether you need this coverage.
- Sewer Backup: Damage caused by sewer backup isn’t included in standard policies; it requires an optional add-on.
- Earthquakes – Structural damage caused by seismic activity is excluded without additional coverage.
- High-Value Items: High-value items, like fine art and jewellery, are only covered up to a certain limit, so you’ll need an add-on to cover them properly.
- Wear and Tear: Normal aging, maintenance issues, and gradual deterioration are never covered.
- Pest Infestations: Damage caused by pest infestations isn’t covered by home insurance.
- Mould: Damage caused by mould, moisture, or humidity is considered a maintenance issue and isn’t covered by home insurance.
Home Insurance, Edmonton - FAQs
Yes, the standard home insurance policy in Edmonton covers damage caused by fire. This includes repairs to the structure of your home and replacement of personal belongings lost in the event of a covered claim. If your house becomes uninhabitable because of the event, home insurance will also provide coverage for additional living expenses.
A loss settlement option is how your insurer decides to pay you after a covered claim. It could be based on the item’s actual cash value (what it’s worth today) or replacement cost (the amount needed to buy a new one).
- Bundle your insurance policies, like combining home and auto insurance into one cost-effective bundle.
- Ask about discounts.
- Maintain a good claims history by only filing necessary claims.
- Install security systems and safety devices.
- Increase your deductibles.
- Work with Leibel, the best insurance broker in Edmonton.
There’s no certain company that offers low home insurance rates. However, each insurance provider calculates risk differently. By partnering with Leibel Insurance, we’ll get you the best quotes from several insurance companies in Edmonton and ensure you get the coverage you truly need.
No, it’s actually the opposite. Buying insurance through a broker unlocks exclusive discounts, as brokers have access to multiple insurers and can compare rates on your behalf.
On average, homeowners in Edmonton can pay between $900 and $1,800 per year for the standard home insurance coverage. Contact our insurance brokers at Leibel to get an accurate quote.
Home insurance is expensive in Alberta because the province is highly exposed to severe weather events like hailstorms, heavy snowfalls, and flooding.
Home insurance isn’t legally mandated in Edmonton, but it’s very important to protect your house and belongings from unexpected risks. Also, many mortgage lenders won’t approve or maintain a home loan without proof of insurance.
Edmonton property insurance provides coverage for your belongings up to a certain limit. So, normally, the standard home insurance policy won’t be enough to cover your high-value items, and it’d be better to buy additional coverage tailored for them.
Yes, liability coverage is important for homeowners because it protects against third-party liability claims of bodily injury and property damage. Without this coverage, you can pay thousands of dollars if someone simply slips and falls in your house, or if you accidentally cause damage to someone else’s property.
To protect your Edmonton home against fires, you should purchase home insurance from a reliable provider. Contact Leibel today to get the best home insurance in Edmonton.
Home insurance in Edmonton doesn’t provide coverage for:
- Overland flooding
- Sewer backup (without add-on)
- Earthquakes
- High-value items beyond limits
- Wear and tear
- Pest infestations
- Negligence
- Mould
Yes, you can get your free quote today by filling out our online application or contacting us directly. Our brokers will get you the cheapest and most comprehensive insurance quotes in Edmonton for free.
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