High-Risk Home Insurance in Alberta — Get Covered Today
Been turned down or charged extra? That's not the end. We've helped 500+ high-risk Alberta homeowners get covered.
Wildfire risk near Fort McMurray. Flood zones around Calgary. If a standard insurer said no, we look at your property differently — real coverage, built for the risks other insurers walk away from.
Clicking the quote button starts a quick step-by-step form where you enter your info, get matched with discounts, customize coverage, get a quote, and (if you want) pay — all online in minutes.
Trusted by Alberta Homeowners For Risks — Backed by Numbers
in insured damage from the 2016 Fort McMurray wildfire — Canada's costliest insured natural disaster.
Source: Insurance Bureau of Canada (IBC)Alberta homeowners insured through Insurely to date.
Distinct from our 107,000+ national quotes figureServing Calgary, Edmonton, Fort McMurray, Red Deer, and every city in between.
Licensed to sell home insurance in Alberta.
Coverage Built for Alberta's Worst Days
Wildfire & Fire Damage Protection
Designed to handle the cost of rebuilding your home and replacing your personal belongings after a fire.
Overland Water & Sewer Backup Coverage
Protects you from water damage caused by heavy rainfall, spring thaw, and backed-up city sewer lines, covering costly clean-up and repairs.
Guaranteed Replacement Cost
Guarantees you have enough funds to fully rebuild, even if material and labour costs have spiked.
Liability Protection
Handles liability claims and legal fees, protecting your family's most valuable assets.
Fort McMurray's 2016 wildfire caused $3.7B in insured damage — Alberta's costliest disaster on record.
Your policy addresses the real-world disasters that happen here.
Get Your Quote Now →The Right Policy for Your Property : Who We Cover
Your situation might be complex, but your coverage shouldn't be. We offer clear insurance solutions for different types of Alberta properties.
Homeowners
Protection for your house and everything in it. Covers rebuild costs, your personal property, and liability.
Condo Owners
Covers what your condo corporation's policy won't, including your unit's interior, upgrades, belongings, and liability.
Tenants
Protect your rental property with coverage for fire damage, tenant-related risks, and lost rental income during repairs.
Landlords & Secondary Units
Renting a high-risk property? Tenant insurance protects your belongings and covers living expenses if you're forced to move.
Get Covered Online in Minutes: How It Works
You've likely had enough stressful conversations about your home insurance. Our process is different.
Free Quote in Minutes
Answer a few questions and get a real quote — no phone call required.
Control Policy 24/7
Manage your policy, coverage, and documents anytime online.
Flexible Payment Options
Pay monthly or annually — whatever works for your budget.
Instant Proof of Insurance
Download your pink card or lender letter the moment you're covered.
Trusted by Homeowners from Fort McMurray to Lethbridge
Prairie homes face freeze-thaw stress, shifting soils, and seasonal flooding — Insurely's high-risk insurance is built for that.We serve homeowners with the right coverage in Calgary, Edmonton, and Red Deer, and everywhere else in between.
It's the safeguard you need against challenging weather and other risks resulting from nature. When a covered event occurs, your coverage kicks in immediately.
- ✓Over 107,000 quotes and counting
- ✓Trusted by Canadian homeowners, renters, and landlords
- ✓4.9/5 rating from hundreds of real-life customers
Insurely Inc.
4.9 ★★★★★ (445)
Insurance broker · Google review
FAQs
Yes, it is often possible. While most insurance companies are wary of flood zones, specialized high-risk home insurance might provide “overland water” coverage, which protects against damage from overflowing rivers or heavy rainfall, though the premium and deductible may be higher.
A wood-burning stove increases the risk of fire damage, so it often leads to higher premiums. To get coverage, you will need to prove it was installed by a certified professional and passes a WETT (Wood Energy Technology Transfer) inspection.
A cancellation for non-payment could put you in a high-risk status for 3 to 6 years. The key is to secure a high risk policy now and maintain a perfect payment record to prove reliability to future insurers.
Vacant home insurance is for an empty property. The premium is higher because an empty home is more susceptible to undetected issues like burst pipes, vandalism, or theft.
Typically, a homeowners insurance policy provides very limited coverage for motorized vehicles. To properly protect an ATV or snowmobile from theft or damage, you need a separate auto policy for it.
Yes. A high risk home insurance policy is a valid form of property insurance. It will satisfy the mandatory insurance requirement from your mortgage lender, allowing you to protect their investment and your own.
While standard insurers may decline to renew your policy, you could still get coverage through a high risk insurance provider. You may face a higher deductible specifically for hail claims.
Don't Face Another Season Unprotected. Get Your Quote
You've seen what Alberta weather can do. From spring floods to wildfire smoke, your home needs real protection, not wishful thinking. Start with a fast, accurate home insurance quote that covers what matters and pays when it counts. It takes minutes, saves money, and could spare you thousands when disaster hits. Don't wait until the next storm's already on the radar. Lock in your coverage today.
Coverage descriptions on this page are for informational purposes only and not a substitute for insurance advice or your policy's specific terms and exclusions.