Skip to main content
Ratehub logo
Ratehub logo

Compare Alberta home insurance quotes

In under five minutes, compare home insurance quotes from Alberta's top providers – find your best rate with us today.

How to compare Alberta home insurance quotes with

  1. Share information

    Tell us a little about yourself and your property coverage needs.

  2. Compare quotes

    We instantly show you home insurance quotes from top Alberta providers.

  3. Save money

    Choose your quote and secure your home insurance rate online.


Recent Alberta home insurance quotes from

Shopping for Alberta home insurance is easy with – thousands of users visit our site weekly, in search of the lowest rate possible. By taking advantage of our free quote comparison tool, you can view all your options in just a few minutes. Here are a few sample quotes our users received in June 2023.

  • $144/month

    1,000 square-foot side-duplex in Calgary

    for one person, under Aviva Canada

  • $168/month

    1,000 square-foot detached home in Claresholm

    for one family, under MAX Insurance

  • $276/month

    1,500 square-foot detached home in Spruce Grove

    for one family, under Travelers Canada

  • $309/month

    1,300 square-foot detached home in Edmonton

    for one couple, under Economical Insurance

A few things we're proud of

  • 1,200,000

    monthly users

  • 11 years


  • Over 1M

    better choices made

  • Trusted partner

    to Canada’s top financial institutions

How does home insurance in Alberta work?

Matt Hands

While homeowners insurance isn't required by law in Alberta, mortgage lenders will typically require you to carry coverage to protect such a large investment – your home.

By paying regular premiums to your insurer, you'll be able to limit the financial risks that come with being a homeowner. This includes the loss and damage of your physical dwelling (and the contents within it), as well as a liability suit. 

Types of Alberta home insurance policies

Home insurance policies aren't all designed the same – here's a quick breakdown of the three main types of plans you can consider. The majority of homeowners will opt for a comprehensive policy as it provides the highest level of protection.

Types of Alberta home insurance coverages

While the type of home insurance policy you have will determine the type of risks you're insured against, most plans in Alberta should offer the following types of standard coverages. You can also increase your protection with a selection of optional add-ons.

Building coverage – Home insurance protects your physical home, of course. Your building coverage is there in case your dwelling is damaged due to risks, such as fire and severe weather – it'll pay the repair or rebuild costs involved.

Contents coverage – Aside from your physical home, contents insurance is there to protect your personal belongings (e.g. furniture, technology, clothes) in the event of loss or damage. Keep in mind that certain valuables have set limits, so you may need to add an endorsement for added protection.

Liability coverage – Liability insurance protects you financially against from third-party claims of bodily injury and property damage. Say your mailman slips and falls on your driveway – in this case, your policy can foot the medical bills, settlement fees, and legal expenses. 

Additional living expenses coverage – If you're unable to live in your home due to an insured loss (e.g. fire), your policy can help cover the added expenses you're facing during this period. Some examples include hotel bills, restaurant meals, and storage expenses. 

What is the average home insurance cost in Alberta?

Due to various market conditions, such as ongoing inflation and climate change, the average cost of Alberta home insurance has risen to be about $1,800 to $2,000 annually. To find the exact premium you'll be paying, be sure to compare home insurance quotes with us – it'll take you less than five minutes to find your lowest rate today.

compare quotes

The average home insurance cost by Alberta city

Home insurance rates can differ greatly across the province – the city you live in plays a big role in the rates you'll receive. For reference, here are the average rates of our Alberta users by city (plus a few more interesting numbers) as of June 2023. To find the exact cost you'll be paying yourself, be sure to compare home insurance quotes with us.

  • $223/month

    Edmonton home insurance

    We found that the average replacement cost of a home in Edmonton is $474,384.

    get a quote
  • $293/month

    Calgary home insurance

    Based on our user data, the average replacement cost of a Calgary home is $615,604.

    get a quote
  • $321/month

    Cochrane home insurance

    According to our user data, Cochrane homes cost an average of $603,100 to replace.

    get a quote
  • $343/month

    Airdrie home insurance

    Based on numbers from our Airdrie users, homes here cost an average of $596,426 to replace.

    get a quote

Factors that impact your Alberta home insurance quote

Home insurance companies look at many factors to determine your personalized quote – here are a few key ones that help indicate the level of risk you bring as a policyholder.

Property type

Home replacement cost


Internal construction


Renovations & betterments


Pools & acessory dwellings

Special use

Credit score

Insurance history

How to get the best Alberta home insurance quotes

  1. Shop and compare

    With, you can view multiple home insurance quotes from Alberta's top providers, all at one instance. You won't know which insurer offers the cheapest rates until you shop around.

  2. Bundle policies

    By purchasing your home insurance under the same company as your other coverage products (e.g. landlord insurance, auto insurance), your provider will thank you with a discount.

  3. Install safety systems

    Many home insurance companies in Alberta offer safety system discounts – this can include a centrally-monitored alarm system or a fire alarm system.

  4. Upgrade your home

    Some renovations will increase your home replacement value (which raises your insurance premium), but opting for safer plumbing, heating, and electrical systems can help lower your rate.

  1. Stay loyal

    While shopping around is one way to find the lowest rate, you can also receive loyalty discounts from your current home insurance provider if you stay with them for an extended period.

  2. Improve your credit

    In Alberta, home insurance companies won't penalize you for bad credit, but you'll often be rewarded with much better rates if you opt-in for a soft credit check (and you have a good score).

  3. Increase your deductible

    A standard home insurance deductible in Alberta can range between $500 and $2,000, and selecting a higher amount will lead to a lower premium.

  4. Ask about discounts

    You won't know what savings you're eligible for until you ask. For instance, you may be able to get a discounted group rate if you're a certified professional or special alumni.

Compare cheap home insurance quotes in Alberta

Looking for your lowest home insurance rate? We can help – compare personalized quotes from the province's top providers in just under five minutes.

Alberta home insurance FAQs

How do I get the best home insurance in Alberta?

What are the best home insurance companies in Alberta?

Is home insurance mandatory in Alberta?

How do I get high-risk home insurance in Alberta?

Does my home business need insurance in Alberta?

Do I need home insurance for Airbnb in Alberta?

Can I bundle auto and home insurance in Alberta?

Can I cancel my Alberta home insurance?

Matt Hands, Business Director of Insurance

With 6+ years of experience at, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio

The knowledge bank

A wealth of knowledge delivered right to your inbox.

By submitting your email address, you acknowledge and agree to’s Terms of Use and Privacy Policy. Contact us for more information. You can unsubscribe at any time.


Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.

When it comes to mortgages, is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place. has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada.

How does make money?

Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry-leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.

read more about us