Get a quote from our local Edmonton brokers to understand the costs and coverages available for your house, condo or apartment.
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Working with Alberta Homeowners Since 2005
At Capital Insurance Brokers, our brokers understand that having the right insurance coverage when the need arises is very important for you and your family. Whether you need a policy for your house, condo, rental property, tenancy, or apartment, our number one priority is to put together the right insurance package at the right cost.
As a member of the Insurance Brokers Association of Alberta (IBAA) and representing several top-rated national insurance carriers, our brokers have been working hard for Edmonton homeowners and tenants since 2005.
Click below to start a quote for various types of home and property insurance:
Your home insurance policy will ensure that your largest investment is protected against losses from events such as fire, vandalism, severe weather and more. Your policy will also cover the personal belongings in your home, and offer liability protection in case someone is injured on your property.
Our team at Capital will help you find the level of coverage you need for your home, including:
- Dwelling coverage for repair or rebuilding
- Personal property coverage
- Liability insurance
- Housing and living expenses during major damage repairs
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Our plans can be customized to make sure you have the coverage that you need. Above basic coverage, there are many options available to enhance your home insurance policy, including:
- Guaranteed replacement
- Identity theft protection
- Additional personal property
- Water damage/sewer backup
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Capital Insurance Brokers wants to help you get the best value on your home insurance policy, regardless of the size of your home, who you are or where you live. Your dedicated broker will work with you and your family over the years to create an individual home insurance policy that meets your needs and saves you money. As we believe that having a strong relationship with our clients is the foundation to a robust risk management strategy, all of our brokers have direct lines, direct emails and voicemail.
Home Insurance FAQs
Yes. Most homeowner’s insurance policies provide more than just coverage for your home and belongings. They typically include personal liability protection if someone is injured on your property or if you accidentally damage someone else’s property. Depending on your policy, coverage may also extend to personal belongings stolen from your vehicle or certain recreational vehicles, such as a watercraft or RV.
No, home insurance is not legally required in Alberta. However, if you have a mortgage, your lender will almost always require you to maintain home insurance to protect the property until the loan is paid off. Even if you own your home outright, insurance provides valuable financial protection against unexpected damage, theft, and liability claims.
It depends on what caused the damage. Home insurance may cover roof leaks or foundation repairs if they result from a sudden and insured event, such as a windstorm or burst pipe. Damage caused by normal wear and tear or poor maintenance is generally not covered. Mold is also typically excluded unless it results from a covered loss.
- Home insurance premiums are based on several factors, including your home’s location, age, construction, condition, and replacement cost. Insurers also consider your claims history, the type of coverage you choose, whether you operate a business from home, proximity to fire services, and available discounts. Every home is different, so premiums are customized to your individual level of risk.
There are several ways to lower your home insurance premium. Bundling your home and auto insurance, increasing your deductible, and paying your premium annually can all help reduce costs. Keeping your home well maintained and installing features like security systems, water sensors, backwater valves, or alarmed sump pumps may also qualify you for additional discounts while helping prevent costly claims.
Here are some of the discounts you may be eligible for:
- Age discount
- Alarm discount
- Claims-free discount
- Deductible discount
- Loyal client discount
- Mortgage-free discount
- New home discount
- Multi-policy discount
