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Home Insurance for Manitoba Residents 

Living in Manitoba offers a distinct experience characterized by natural beauty, diverse culture and a strong sense of community. The province is known for its breathtaking landscapes, including serene lakes, expansive prairies and the iconic Churchill region, where visitors can witness polar bears in their natural habitat. Manitoba’s vibrant cities, such as Winnipeg, provide a mix of urban amenities and a relaxed atmosphere, making it an ideal place to call home. With a rich history and a variety of recreational activities available year-round, residents of Manitoba enjoy a balanced lifestyle that embraces both outdoor adventures and cultural experiences. 

To preserve your lifestyle here in Manitoba, it’s crucial to safeguard your home with reliable Manitoba home insurance. Whether you own a house, condominium or rent an apartment, home insurance provides essential protection against unforeseen events. From extreme weather conditions to accidental damages, having the right insurance coverage ensures that your home and belongings are protected. 

With Manitoba home insurance, you can have peace of mind knowing that you are prepared for any unexpected situations and can continue to enjoy the beauty and comfort of your home in this wonderful province. Get a free quote with Sharp Insurance today. 

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Why Sharp Insurance? 

As one of Canada’s fastest-growing (independent) brokerages, Sharp Insurance has what it takes to serve the community members and households of Manitoba with comprehensive home insurance. What makes us so great is our innovation and usage of digital technology and assets to forward the insurance industry and help make its access so much easier for our clients. 

Below are just a few of the many reasons why residents of Manitoba choose us for their home insurance coverage: 

We’re independent.

While we have a network of many different top-rated insurance providers, our priority is always you. 

We’re competitive.

We work with some of the most competitive insurers to provide you with the best Manitoba home insurance quotes possible. 

We’re experts.

Our expertise allows us to give you the advice you deserve, as well as answer any questions you have.  

We’re digital.

Tech makes insurance simpler and easier to access. We make use of online portals, digital apps and other tech-forward approaches to make your policy documents easier to access and your insurance information easier to understand. 

What Does Manitoba Home Insurance Cover? 

Homeowners insurance is an umbrella phrase for various types of residential insurance coverage, such as condo insurance, tenant insurance and so on. Manitoba home insurance precisely protects your actual dwelling, its belongings and your responsibility. Depending on your policy, the specific risks that your insurance covers may differ. 

10 common insured perils you’ll find in a standard insurance policy: 

  • Lightning 
  • Fire 
  • Smoke 
  • Wind and hail 
  • Weight of snow (roof collapse) 
  • Impact of car or aircraft 
  • Explosion 
  • Falling object 
  • Vandalism and theft 
  • Water damage (depends on your policy) 

Every policy is different. We recommend reading over the details of your policy to see what specific perils are considered “insurable” and which are not.  


Common Manitoba Homeowner’s Insurance Endorsements 

Standard policies are called standard for just that reason — that they’re the standard offering. To customise your insurance further, look at some of the most common endorsements offered in Manitoba for homeowners. 

Sewer Backup

Sewer backup is generally not included in standard home insurance policies, and so adding it as an endorsement will help protect your property against losses due to sewer backing up in your home and causing water damage. 

Overland Water Damage

Manitoba has a history of flooding. Its history of major flooding dates to the early 1800s, but did you know standard home insurance won’t cover overland water damage? You will need an endorsement water coverage to be protected against flooding

Earthquake and Landslides

Unfortunately, no standard policy automatically includes coverage against earthquakes or earth movements. You will need an endorsement to be covered against these perils. In addition, you will need to define coverage limits and deductibles for these kinds of losses. 

Home Insurance in Manitoba: Do You Need It? 

In short: no, home insurance in Manitoba isn’t required. There are no laws governing it nor regulating its application, and therefore it’s up to the homeowner to choose whether or not to have it. As you might imagine, most insurers highly recommend it — but for good reason! Homes are expensive, and losing yours could be financially devastating. You never know what could happen. 

3 Reasons to Get Home Insurance in Manitoba 

If home insurance in Manitoba isn’t mandatory, then why get it at all? Here are 3 reasons why you should have home insurance in Manitoba. 

  1. Cost savings if anything unexpected ever happened to your property, or if a liability claim was filed against your household. 
  2. Compliance, if your mortgage lender/bank requires coverage. 
  3. Peace of mind, that you have a financial backing if anything happens. 

Cost Breakdown for Manitoba Home Insurance 

Unfortunately, home insurance costs have been impacted by a lot as of recent years, and some of this can be attributed to the numerous uncontrollable factors that affect home insurance rates. Individually, your home insurance costs in Manitoba can be attributed to the following key factors and characteristics:  

  • Information about your insurance history, coverage options and deductible. 
  • Your location and proximity to any potentially harmful environmental features. 
  • The crime rate in your area. 
  • The worth, condition and age of your property. 
  • Anything that may increase your liabilities, such as a pool. 

If your home insurance rates are higher than you’d like them to be, then there are a few steps you can take to ensuring you get the best price for your home insurance in Manitoba. 

  • Take care of your home and do any necessary renovations. Older systems, older roofs, etc. will affect your home insurance rates negatively. 
  • Try to maintain a good credit score. 
  • Be open and honest with your broker about your home — they’re the one who will be working hard to save you as much money as possible! 
  • Pay off your mortgage. Being mortgage-free can save you up to 15% on your home insurance. 
  • Try to quit smoking. Smokers tend to pay more for their insurance than non-smokers. 

For more tips on how to save on home insurance, ask a home insurance broker in Manitoba. 

Find the Best Home Insurance Coverage in Manitoba. 

Sharp Insurance understands fully that the world of insurance can be complex at the best of times, and having the information you need to make the most informed decisions can go a long way. That’s where having a broker comes in. 

We understand that you want the best possible protection for your investment. However, this does not imply that you know exactly which options to select. Allow the professionals to handle that worry for you! Sharp Insurance is an expert in all things home insurance, and because to our use of digital resources, we can confidently state that we can bring you what you need faster. 

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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