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Home Insurance Calgary

From the inner-city to the suburbs, Calgary has living options aplenty. Home insurance in Calgary is essential, so it helps to have tools that discover the best rates for your lifestyle and wallet. We strive to find you the best home protection for your most precious investment — your home. Your concerns are unique as are your policy option preferences. We help you tailor a policy suited for you and your lifestyle. Get a free quote today — it’s quick and easy!

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Why Sharp Insurance?

Sharp Insurance is a Calgary-based, and an award-winning and progressive insurance brokerage. Thousands of our clients trust us to do right by them and find them the most fitting coverage. Here are some of the many reasons why you should work with Sharp Insurance.

We’re independent.

We represent many insurance companies, but we work on your behalf.

We’re competitive.

Since we have so many network connections, we can get you competitive quotes easier.

We’re experts.

Our brokers know insurance like the backs of their hands. Trust us as your insurance resource of choice.

We’re digital.

The landscape of insurance is becoming increasingly digital. We’re adaptive and innovative and use tech to make insurance more accessible.

What Does Calgary Home Insurance Cover?

Similar to renter’s or condo insurance, home insurance in Calgary is a type of property insurance policy designated to cover your physical assets. However, unlike condo or tenant insurance, home insurance will also cover your physical, owned asset.

12 common insured perils you’ll find in a standard Calgary home insurance policy:

  • Lightning
  • Weight of snow (roof collapse)
  • Water damage (depends on your policy)
  • Wind
  • Hail damage
  • Impact of a car or plane
  • Vandalism, theft or civil unrest
  • Fire
  • Smoke
  • Explosion
  • Electrical current
  • Falling objects

Depending on your specific policy, your coverage may include all or some of the above insured perils. You may also customize your insurance further with the addition of homeowner’s insurance endorsements. Read below for some popular endorsements.

Common Calgary Homeowner’s Insurance Endorsements

Since every property is different, it can be a great thing to have additional coverage to customize your protection even further. Having the right home insurance endorsements can go a long way toward protecting you and your property against potential exposures.

Here are 3 of the most common endorsements.

Sewer Backup 

When water seeps or backs up from your sewer, septic tank or sump pump — you want to be protected.

Overland Water Damage 

This damage occurs when water enters your property from an overflow of rivers, lakes, torrential rainfall or spring thaw. It excludes flood water from tidal waves, intentional breaches of water and more.

Earthquake and Landslides 

Earthquakes are uncommon in Alberta but coverage exists to protect your belongings if there is a loss.

Home Insurance in Calgary: Is It Necessary? 

While it’s not mandatory to have home insurance, not everyone has enough “rainy-day funds” to pay to rebuild their home, replace all its contents or repair unintentional damages to their neighbor’s property. Also, if you use a lender or bank to get a mortgage, your financial institution may insist that you carry insurance on any property with a mortgage. 

Top 4 Reasons to Buy Home Insurance in Calgary 

  1. It’s necessary once you have a mortgage.
  2. Adequate funds to repair or restore home and its contents.
  3. Money to pay for a lawyer in the event you’re sued.
  4. Confidence that a loss will be covered financially.

Cost Breakdown for Calgary Home Insurance 

Here is the cost breakdown for Calgary home insurance:

  • The total cost to rebuild your home (considering that the average cost for houses in Calgary is currently $557,400, and including labour costs, material costs and rework.)
  • Insurance claims and insurance history
  • Condition of your home and the condition of its systems, including plumbing, electrical, sewer, HVAC, etc.
  • Potential insurance risks (e.g. pool)
  • If you’ve installed security tools (e.g. burglar alarms, sump pumps)
  • The size of your home
  • Proximity to the closest fire station or fire hydrant
  • How close you are to risks, such as rivers or lakes
  • If you have a renter or tenant
  • Crime rates in your community
  • Claims made in your neighborhood
  • Frequency and severity of natural disasters in your area
  • Discounts you are eligible for
  • The coverage options you select
  • Credit score


On average, it will cost you $1,923 to insure a home in Calgary. That’s $160 a month. This cost compares to the provincial average of $1,837 a year, or $153 a month. For comparison, Edmonton’s average cost comes in at $1,504 annually.

The best way to see your estimated home insurance price is to get a free Calgary home insurance quote. Simply click the “get a quote” button or call us at 1.877.218.2008 to begin the conversation.

Many different factors will affect your home insurance costs, and as such, no one homeowner will pay the same for their insurance.

Did you know?

On average, it will cost you $1,923 to insure a home in Calgary. That’s $160 a month. This cost compares to the provincial average of $1,837 a year, or $153 a month. For comparison, Edmonton’s average cost comes in at $1,504 annually.

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Find the Right Home Insurance Coverage in Calgary That Fits. 

We provide exceptional service when you need it the most. After a loss or when you’re buying a new home, we guide you to where you need to go. Our tech-savvy team and skilled brokers help you through the often-complicated insurance terms and policy options. Most of all, we’re a friendly and helpful team when you call in with concerns or questions.

A few benefits to joining us

  • We make it easy to compare between multiple insurance quotes thanks to our use of innovative insuretech.
  • We partner with some of the best insurance companies to give you the best options.
  • We’re independent — we’ve always been.
  • And, finally, you can always trust in our expert brokers to give you sound advice!

Get a free Calgary home insurance quote today to begin.

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Currently Not Accepting Walk-Ins

Please be advised that due to unforeseen circumstances, Sharp is unable to assist walk-in clients at the moment.

We are happy to assist you with all your insurance needs over the phone at 1.877.218.2008