Homeowner Insurance

Comprehensive Homeowners Insurance Edmonton

Are you looking to get a homeowners insurance quote for a residential property in Edmonton? ARC Insurance Brokers is a top provider of comprehensive home insurance policies from leading Canadian carriers.

Cover your house, belongings, living expenses, lawsuits, and more with comprehensive coverage. Get started with a free quote.



Home Insurance Edmonton

At ARC Insurance, we realize that your home is likely your greatest asset and most important investment. It is the hub of activity for your family, and contains all the personal belongings that you have accumulated over a lifetime.

Homeowner insurance is something that people often do not think about until they need to use it. Fire, burglary, hail, windstorm – these occurrences happen everyday to someone, somewhere. Buying a homeowners insurance policy will not stop these terrible things from happening, but it can help you quickly recover from the event and shield you from a potentially devastating financial loss.

If you were to experience a traumatic event such as a fire or break-in, it would be impossible to immediately replace your house and contents inside. It would also be difficult organizing temporary accommodation while still needing to pay down a mortgage and trying to continue everyday life. Likewise, a passerby could potentially sue you if they slipped and fell on your sidewalk. The combination of litigation expenses, court costs, attorney fees, and resulting settlement could be upwards of tens or even hundreds of thousands of dollars. Such situations causing negative impact to you and your quality of life could have been mitigated by a homeowner’s insurance package.

ARC Insurance provides free quotes on insurance packages for the following:

  • Standard homeowners policies
  • High-valued home policies (Homes valued at over $800,000)
  • Rental property policies (only in conjunction with an insured primary residence)
  • Seasonal/cottage policies (only in conjunction with an insured primary residence)
  • Condominium owners policies
  • Rented condo policies (only in conjunction with an insured primary residence)

Our brokers are standing by to help you make an informed decision for your home insurance needs.

Basics of a Homeowners Policy

Your homeowners’ insurance policy can provide protection for many different risks:

  • Building coverage protects your home if it is damaged or destroyed due to certain perils
  • Personal property coverage will cover for your personal contents that are damaged or destroyed by certain events
  • Liability coverage will pay for legal defense costs as well as settlements when you cause injury to another person or damage others’ property
  • Additional living expenses coverage will cover the cost of temporary accommodation such as hotels or apartments when you cannot live in your home due to damage caused by certain perils

Important Coverages for Edmonton Home Insurance Policies

Building Coverage

In the event of damage or loss to your house itself, the cost of repairs or rebuilding can be covered. “Comprehensive” or “all-risk” type policies are ideal, especially those that include a replacement cost clause in the contract. One thing to note is that in Alberta, your dwelling building coverage should increase a little bit every year to account for inflation costs in materials and construction costs over time. If you’re not sure whether you have enough coverage on your house, give us a call today and one of our brokers can run a free rebuild evaluation for you.

Personal Property Coverage

In a standard home policy, your personal contents limit is generally 75 percent of the building limit and protects the contents of your home against events such as fire or theft. Personal property is everything not attached to the dwelling including appliances, clothing, and furniture.

Some certain classes of personal property may have special limits or exclusions, such as jewellery, cash, and bicycles. Additional coverage, or “floaters,” can often be purchased for these items.

Liability Coverage

Liability coverage in a home policy is extremely important also. All of our standard home insurance policies come with at least $1,000,000 personal liability coverage to cover potential lawsuits and wage garnishments arising from personal liability such as slip-and-fall claims, or dog bites. If a guest of your home, or even a neighbor, is injured by your negligence, they can file a claim against your coverage. Without the right coverage in place, you may be in for years of headaches and risk losing assets that you’ve worked years to obtain.

Additional Living Expenses Coverage

If damage to your home as a result of a peril covered by your policy forces you to move temporarily to a hotel or apartment, your insurance company will pay reasonable and necessary additional living expenses that are above and beyond what you would normally pay. This can include the extra cost of eating out as opposed to cooking, or rent above and beyond what you would normally pay to live at home.


Home Insurance FAQs

Does home insurance cover anything beyond my home and personal belongings?

Yes – Personal liability coverage under homeowners insurance helps to protect you if you or a family member accidentally causes property damage or bodily injury to others, at home or anywhere in the world.

What are factors that affect home insurance rates?
  1. Your claims history and discount eligibility.
  2. Type of residence (ie. single- or multiple-family, rental property, condominium, recreational property)
  3. Construction material used (ie., brick, cement), age, size and location
  4. Heating, plumbing, electrical systems, roofing and land grading
  5. Fire protection (ie. distance from a fire hydrant, type of nearest fire station)
  6. Loss experience (ie. rate of crime and fire in the neighbourhood)
  7. Type of coverage, optional coverage and deductible
When do I need to update my policy?

We recommend that you review your policy every year with your broker to ensure that your insurance coverage continues to meet your needs. You should also contact your broker to update your policy should there be any significant changes, including when you:

  • Move or change your address, contact, or billing information
  • Plan to renovate your home
  • Acquire new costly items for your home (ie. jewellery or art)
  • Setting up a home-based business
Am I covered if I am temporarily unable to live in my home?

Homeowners insurance includes coverage for additional living expenses in the event that your home becomes uninhabitable due to a loss covered by your policy.

Will home insurance cover wear and tear?

Wear and tear is not covered under a homeowners policy.

Can I get a discount if I bundle my car and home insurance?

Having several insurance products in a bundle (from the same insurer) traditionally entitles customers to a bundling discount.


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ARC Insurance Brokers is backed by some the biggest names in the industry.